Guides
Understanding paluwagan
Simple, honest guides to how a paluwagan works, how to run one people trust, and how to tell a real savings circle from a scam.
The basics
How a paluwagan works
The steps, the rotation, and why you get back exactly what you put in.
Practical
How to run a paluwagan people trust
Set the rules, keep it transparent, and plan for a missed payment.
Stay safe
Paluwagan vs investment scams
How to tell a real savings circle from a scheme that promises returns.
The basics
What is a ROSCA?
The savings tradition behind paluwagan, and the names it goes by around the world.
Compare
Paluwagan vs a bank savings account
An honest comparison of two different ways to save.
Practical
Choosing a fair payout order
Who goes first, and fair ways for the group to decide.