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Agatabo is a purpose-built financial management platform for tontines and rotating savings and credit associations (ROSCAs). Whether you run a small neighborhood savings circle or a large member-based credit organization, Agatabo gives your team the tools to record deposits, manage loans, maintain accurate books, and generate financial reports — all in one place. Every transaction you enter is automatically posted to a double-entry ledger, so your accounts are always balanced and auditable.

What Is a Tontine?

Understand the savings-pool model that Agatabo is built around and how it applies to your organization.

First Login

Activate your account from your invitation email and access the Agatabo dashboard for the first time.

Managing Members

Invite members and staff, assign roles, and control what each person can see and do.

Savings & Deposits

Record member contributions, view deposit history, and track individual savings balances.

Loans

Create loans with flexible terms, record repayments, and monitor your portfolio and arrears.

Reports

Generate balance sheets, profit and loss statements, member statements, and loan portfolio reports.

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Get Up and Running in Four Steps

Follow these steps to go from a fresh account to a fully operational savings group.
1

Log in for the first time

Open the invitation email your administrator sent you, click the activation link, and set a secure password. You will be taken directly to the Agatabo dashboard.Activate your account →
2

Invite your members

Go to Organization Users in the sidebar and click Invite Member. Enter each person’s name, email address, and role. They will receive their own activation email.Invite members →
3

Record your first deposit

Navigate to Savings → Deposits and click Record Deposit. Select the member, enter the amount, and save. Agatabo automatically creates the corresponding journal entry.Record deposits →
4

Create your first loan

Go to Loans and click Create Loan. The three-step wizard guides you through borrower details, interest and installment rules, and optional securities. Once you confirm, Agatabo generates a full repayment schedule.Create a loan →

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Explore by Topic

Members & Users

Manage organization users, roles, custom permissions, and member profiles.

Finance & Accounting

Record deposits, disburse loans, track expenses, reconcile bank accounts, and close periods.

Settings & Permissions

Configure your organization’s currency, timezone, accounting periods, and role-based access controls.