Step 1: Register Your Stokvel

Go to eswatinistokvels.com and click "Register Your Stokvel".

• Enter your stokvel name
• Add 3 signatories (Chairperson, Secretary, Treasurer) — each with name, ID number, phone, address, and region
• The registrant (you) must have an Eswatini phone number for OTP verification
• Non-Eswatini numbers can be used to log in but will not receive SMS notifications
• Verify your phone number with a one-time code (the other 2 admins verify when they first log in)
• Choose your package (the platform is free — optional SMS credits available)
• All 3 signatories receive an SMS with their login PIN

Step 2: Set Up Your Stokvel

Log in to the Admin Dashboard using your phone number and PIN.

• Monthly contribution — how much each member pays per month (e.g. E200)
• Registration fee — one-time joining fee (e.g. E50), or E0 if none
• Loan settings — interest rate, max term, and max amount (if your stokvel records loans)
• Financial year start — the month your stokvel's financial year begins
• Report email — where weekly Excel reports will be sent (e.g. treasurer's email)
• Modules — enable or disable features like Loans, Shares, Savings, and Reports
• Click Save & Continue when done

Step 3: Add Your Members

In the Admin Dashboard, click "+ Add Member" for each member.

• The 3 signatories from registration are already added as members — no need to re-add them
• Enter each new member's name, surname, phone number, next of kin
• Each member receives an SMS with their login PIN
• Members log in at eswatinistokvels.com/login.html to see their balance

Step 4: Record Payments

When a member pays (via MoMo, bank deposit, or cash):

• Click on the member's name → "Record Payment"
• Enter the amount and select the month
• The system auto-allocates: registration fee first (if unpaid), then monthly contribution
• The member receives an SMS confirming their payment was recorded
• Loan repayments are recorded separately — go to the member's loan and click "Record Loan Repayment"

💡 Record payments the same day you receive them.

Step 5: Share with Members

Send this link to your WhatsApp group:

Members log in to see their contributions, payment history, and loan balance.

Step 6: Weekly Reports

Every Sunday, the platform emails you two Excel reports:

• Weekly Activity Summary — payments received this week
• Full Status Report — member-by-member statement showing who paid and who owes

💡 Add your email in Admin Dashboard settings to receive reports.