SikaTrust is a digital Susu (rotating savings) and loan management platform designed to
help individuals and groups manage collective savings, loans, and financial analytics
securely. It automates contributions, payouts, and reporting.
Sign up on SikaTrust, browse available Susu groups, and request to join. The group
administrator will approve your membership. You can also create your own group and
invite members.
Loans are approved based on your savings history, group rules, and credit score (if
applicable). Admins or automated systems review requests and disburse funds upon
approval.
Late contributions may incur penalties (configurable by the group admin). Repeated
defaults could restrict loan eligibility or suspend your membership.
Payouts are automated based on the group’s cycle (daily, weekly, etc.). Funds are
disbursed to members in a rotating order or via bidding, depending on the group’s
settings.
Yes! SikaTrust uses bank-grade encryption, secure authentication (OTP/2FA), and complies
with local financial regulations to protect your data.
Early withdrawals depend on your group’s rules. Some groups allow it with a fee, while
others require completion of the cycle.
Interest rates are set by group admins or system defaults. They may be flat rates (e.g.,
5% per cycle) or tiered based on loan amount/duration.
Ready to transform your financial management? Join SikaTrust today and experience seamless
Microfinance management, loans, and financial analytics.