How to use this tool?
A 3-step guide for group creators to manage members, verify contributions, and disburse turn payouts effortlessly.
Set Up Your Paluwagan Group
Define your group name, contribution amount, billing frequency, member capacity, and payout sequence order.
Review & Verify Contributions
Track incoming member payments via GCash, Maya, or bank transfer, and approve valid proofs on the transparent ledger.
Disburse Lump-Sum Payouts
Release pooled payout funds to the designated turn beneficiary and advance the circle to the next rotation automatically.
Paluwagan Cycle Simulator
Configure a savings circle and simulate the round-by-round payment flows in real-time.
Group Circle Guidelines
Select the best turn scheme for your circle and follow community-proven best practices.
Understanding Payout Schemes
First-Come, First-Served (Manual)
Payout turns are assigned sequentially in the exact chronological order members join the group (Slot #1, Slot #2, Slot #3). Ideal for pre-arranged queue agreements.
Randomized Sequence (Draw Lots)
The system automatically shuffles and randomizes member slot positions upon cycle start. The fairest, unbiased method when all savers share equal timing preference.
Free Choice Slot Reservation
Members freely browse open rotation slots and reserve their preferred payout position upon joining before the cycle begins. Perfect for goal-based target dates.
Best Practices for Organizers & Members
Choose a Trusted Organizer
Since Siklo handles record keeping and not funds, choose an organizer who is highly trustworthy, accessible, and organized.
Agree on Late Fees Early
Late payments delay everyone's payouts. Setting up a small late penalty per day encourages members to contribute on time.
Maintain Consistent Schedules
Agree on contribution cutoffs and payout dates early so every member knows exactly when their turn begins.
Use Clear Payment Channels
Standardize mobile wallets or bank transfers. Instruct members to send references or receipts directly to the organizer.