AcademyLEARNING PATH
Money Basics
Start here if community finance is new to you. What savings, shares and loans actually are, and how a group turns them into something bigger.
Lessons in this path
- Savings, shares and loans: what's the difference?Three words that get mixed up constantly — and mixing them up costs members money. A plain explanation of what each one actually is.6 min read
- How a savings group worksThe full cycle of a VSLA or savings group — contributions, the loan fund, interest, and share-out — explained from the inside.7 min read
- How to read your member statementYour statement is the only independent record of your money in the group. Here is how to read every line of it, and what to do when something looks wrong.6 min read
Other learning paths
Saving With Purpose
Build savings that survive a bad month — including when your income is irregular and standard advice does not fit.
Borrowing Wisely
What a loan really costs, whether you can afford it, and what you are agreeing to when you guarantee someone else's.
Shares and Dividends
What owning part of your group means, how a dividend is calculated, and how to tell a healthy declaration from a worrying one.
KikumiKyo Academy provides general financial education. It is not personalised financial, investment, tax or legal advice.