By integrating Circles into your programs, you can significantly boost financial inclusion, entrepreneurship, and youth empowerment, all while promoting sustainable and community-driven financial practices that support long-term goals.

Circles 360

Amplify financial inclusion within your programs

Are you a social change venture aiming to boost financial inclusion in communities across the world? Do you believe that technology can provide a way to positively impact people's financial futures? You might be part of non-profit organisation or foundation helping to tackle specific social challenges.

If you're looking for product innovation that is capable of stabilising the financial futures of whole communities, then ask us about a pilot.

Your initiatives can benefit from providing Circles

  • The Circles tool enables group savings, which aligns with the goal of improving financial inclusion. Your programs aims to help millions of young people, especially in underbanked regions, gain access to financial services. The Circles model provides an accessible and effective way for young entrepreneurs to save, manage money, and build credit, helping them take the first steps toward financial independence.

  • Many young people in the poorest regions across the world are aspiring entrepreneurs. The Circles tool can help them save collectively for business investments, seed capital, or operational costs. By pooling resources in a structured and trustworthy manner, it gives them a collaborative platform for funding small businesses, creating a sense of community support that encourages entrepreneurship.

  • Circles inherently foster collaboration and trust among participants. For your programs, creating networks and opportunities for young people is crucial. Circles provide a structured way for participants to work together on their financial goals. This helps build strong networks of support, critical for long-term success in both professional and personal growth.

  • One of the goals of many non-profit foundations is to improve financial literacy among their target groups. Circles help members develop better financial habits through structured savings, responsible borrowing, and goal setting. Participants learn how to manage their finances in a group setting, which can help teach valuable money management skills.

  • The Circles model is easily scalable and accessible, particularly in areas where traditional financial services are scarce. Since many of your beneficiaries may not have access to formal banking systems, Circles offer a reliable, community-driven alternative for saving and investment, which can be adapted for varying needs across different regions.

  • Circles can operate at low cost compared to traditional financial services, making them an attractive solution for non-profits working in resource-constrained environments. You can support more beneficiaries by incorporating a low-cost, scalable savings solution, thus maximizing the impact of their financial inclusion programs.

  • The Circles tool can offer valuable data and insights on participant behavior, saving patterns, and financial progress. This can help you assess the impact of your programs more effectively, understanding how participants are using the funds and how they are progressing towards their goals. These insights can lead to better program adjustments and improvements.

"At Warm Heart, our purpose is to work with communities to make change happen. Circles 360 is a great fit for us because group saving will have a huge and positive impact on the communities we work with. By providing this tool we're equipping people with a platform to motivate each other to reach their financial goals to support their families and community programs. Through Circles 360, we can foster new savings communities so that more people have access to personal financial tools."

— Warm Heart Co-Founder, Evelind Schecter

Deliver powerful, measurable outcomes for the communities served with Savings Circles

  • 79 NPS

    Over 7,000 UK Circles members collectively rated Circles excellent.  Read their own words on Trustpilot

  • £1.4 M Raised

    Nearly 100 different grass-roots communities came together to save with Circles in the UK over 3 years via our Ambassadors engagement program.

  • ₦287 M Self funded

    In our first 6 months in Nigeria, Circles users have saved themselves nearly ₦10 M in interest expense already through collaborative finance.

"Circles 360 is capable of accommodating our community champion initiative group in efforts to scale their operations, reaching more members and expanding their impact without being limited by manual processes. I also really like the transparency and accountability that Circles 360 provides our operators and members. The members are able to see all the transactions in real time through the application."

— Mercy Ogembo, Country Manager at Biochar Life Kenya