How it works
Contribute, pool, allocate, grow, achieve
Five steps, repeated every month. The app keeps the records and runs the numbers. People make the decisions, and nothing is bought or sold on its own.
Step 01
Contribute
Each member pays a fixed monthly amount and a yearly top-up. The committee sets the amounts and can adjust them for a member when life calls for it.
You record each deposit from your dashboard with a photo of the receipt.
Step 02
Pool
Deposits become the cooperative's capital. A cashier checks every one against the bank or bKash record before it counts.
Verified records are never edited. A mistake is fixed with a correcting entry, so the history stays honest.
Step 03
Allocate
The committee spreads capital across short, mid and long-term positions, judging each on sector, risk and how fast the money can come back.
Every position carries the cooperative's Shariah review record.
Step 04
Grow
Positions earn variable returns: profit when it is received, and changes in value as they are revalued. Your dashboard keeps what you put in apart from what growth added.
Nothing here is guaranteed. Projections are labelled as scenarios.
Step 05
Achieve
Part of the capital is set aside in the Dream Fund for the current goal. When it is big enough, we buy the land, then build. Then the next goal begins.
The Dream Fund is separate from the total portfolio, so progress is never overstated.