How Lwakanda Works

Five key activities that drive community financial success

Our platform enables mutuals to create sustainable financial ecosystems through proven mutual support frameworks.

Step 1

Mutual Creation

Start your financial community

Begin by creating your financial mutual. Open to anyone who accepts the values and internal rules and makes an initial voluntary contribution to establish the foundation.

Set up your mutual with custom rules and values
Invite trusted community members to join your mutual
Define mutual contribution amounts and schedules
Access all mutual management tools

Mutual Creation

Start your financial community

Step 2

Monthly Contributions

Build collective resources

Members make regular monthly contributions that build a collective, rotating fund. This creates a reliable financial resource for the entire mutual.

Members contribute to your mutual's collective fund
Contributions rotate to support different mutual members
Transparent tracking of all mutual contributions
Build your community's financial strength

Monthly Contributions

Build collective resources

Step 3

Community Loans

Support when needed

Members can request loans with clear rules and a 10% interest rate. Optional sponsors can support loan applications when additional backing is needed from the mutual.

Members request loans from the mutual fund
Your mutual sets loan terms and approval process
Minimum 10% interest rate grows the collective fund
Clear repayment schedules protect the mutual

Community Loans

Support when needed

Step 4

Mutual Investments

Grow together

Half of loan profits and contribution returns go toward mutual-approved investment projects. All profits are shared proportionally among members.

Mutual decides on investment opportunities together
50% of loan profits available for mutual investments
Proportional profit sharing for all mutual members
Sustainable growth for your community

Mutual Investments

Grow together

Step 5

Member Assistance

Community support

Half of loan profits fund a structured support program for members in need, distributed based on urgency and fairness principles.

Mutual-managed assistance program for members
50% of loan profits fund member support
Distribution based on your mutual's criteria
Community-driven support decisions

Member Assistance

Community support

The Lwakanda Cycle

This continuous cycle ensures sustainable growth and mutual support, creating lasting financial resilience for your entire community.

Build Fund

Contributions and loan interest build collective resources

Generate Profit

Loans and investments create sustainable returns

Share Prosperity

Profits support both investments and member assistance

Ready to Start Your Financial Mutual?

Create your own financial mutual and help your community build financial resilience

Create Mutual