WHAT IS SIRA FINANCE ?
I’m building a digital platform that transforms traditional savings groups (esusu/tontines) into smart, mobile-powered tools for financial empowerment.
In Djibouti, where 2 out of 3 people are unbanked, informal savings remain the most trusted way communities manage money—but these systems are often vulnerable to mismanagement, conflict, and lack of transparency. Our solution digitizes these trusted practices, allowing users to create or join savings groups, track contributions and payouts in real time, receive automated reminders, and send or receive money instantly through local mobile money platforms. We’re turning informal group saving into a secure, transparent, and user-friendly financial experience. Built with the realities of local communities in mind, our platform blends tradition with innovation to create inclusive, accessible, culturally-rooted financial tools. It’s finance that meets people where they are—empowering the underserved through what they already know and trust.
