Jam'iya · ROSCA Platform

The problem

A jam’iya, the rotating savings and credit association familiar across the Jordanian market, runs on memory and goodwill. Members contribute a fixed amount each cycle, and one member takes the pooled payout each round. It works until someone forgets who has already received their turn, or two members both need their payout early and there is no fair way to decide. Trust does the bookkeeping, and trust does not scale past a small circle.

What I built

A multi-tenant Laravel, Vue.js, and PostgreSQL platform that gives the structure explicit bookkeeping and rules. Each group gets its own space for creating the circle, tracking contributions per cycle, and scheduling the rotation so every member’s turn is recorded and visible. On top of that sits a bidding and auction mechanism: a member who needs their payout sooner can bid for an earlier slot, turning an awkward social negotiation into a transparent, rule-based exchange.

The result

The aim is to move the trust a jam’iya carries in people’s heads into an auditable ledger every member can see. Rotation order is unambiguous, contributions are tracked per cycle, and the auction gives a fair, transparent way to reorder payouts without anyone having to arbitrate. The multi-tenant design lets many independent groups run on the same system without ever seeing each other’s books.