DMDO’s Savings Group Training Transformed Abdul Musa’s Life

At 26 years old, Abdul Musa worked as a motorcycle taxi driver using someone else’s bike.  Abdul received a small portion of customer fares as payment.  Most of his money went to supporting his family, including his two children. His small-scale cashew nut farming brought some income, but it was unreliable.

Abdul saw that his future prosperity and that of his family lay in motorcycle ownership.

In late 2023, Abdul joined DMDO’s financial training programme, where he learned how to save, manage money and make good financial decisions. Inspired by this opportunity, he joined the Jikwamue savings group and started saving regularly.

Abdul with his Jikwamue group

"Joining the Jikwamue savings group changed my life. I learned how to save and invest," Abdul says.

Savings groups like Jikwamue use capital provided by their members to make short-term loans (up to three months) and trade (profiting from bulk buying and direct selling).  Profits are reinvested and compounding expands the savings group’s capital.

Savings groups operate in annual cycles, with members’ shares being distributed.  

In January 2025, Abdul received $90 as his distribution. Added to cashew nut profits, this was enough to buy his own motorcycle.

Abdul at work with his own Motorcycle

Owning his motorcycle changed everything. Now, Abdul’s income has increase 7 times to $23 per week.  This means that Abdul can fully support his family and have surplus to reinvest in Jikwamue, allowing him to continue benefiting from the savings group’s power of collective compounding: "My next goal is to buy a second motorcycle so I can grow my business even more.”