CONTRIBUTION SCHEME

The traditional African rotational savings system, popularly known as Esusu, has long been a trusted model for communal financial support. However, the manual methods still commonly used, such as notebooks or physical record-keeping, were inefficient, prone to error, and lacked the transparency needed to prevent disputes and mismanagement. This project successfully developed a trust-preserved digital application using the MERN stack specifically designed for Esusu groups. The aim was to promote accountability, simplify group savings management, and maintain the cultural integrity of rotational contributions by replacing manual processes with a secure and intuitive digital solution. To achieve this, the following key features were successfully implemented: a digital platform solely for rotational group savings, enabling users to create or join existing groups with clearly defined schedules and Payout Numbers. The application incorporated the Dual Balance Display (Group Total and Individual Total Paid) and automated system functionalities, including in-app alerts for critical activities. All members within a group gained real-time access to the contribution history. A logic-based Integrity Alerts System was also implemented to monitor skipped contributions, automatically block suspicious payout claims, and transparently log all admin actions. The core finance mechanism was secured by the Automated Rotational Payout System integrated with the Paystack API. It is confirmed that a functional, user-friendly, and transparent digital platform for managing Esusu-style group savings was achieved. This justified the need for modernizing traditional savings systems in a way that preserved communal trust while drastically reducing the burden of manual tracking and strengthening administrator accountability through auditable logs. Ultimately, the implemented platform offered a secure, transparent, and culturally familiar solution that enhances the group savings culture in the digital age.