Know where your money goes
See contributions, balances and payment status.
Digital tools for member-led stokvels
Your stokvel.
Connected by Helpmekaar.
Helpmekaar provides the digital rails for running a stokvel: contributions, member support, shared decisions and money records in one place. Your stokvel sets its rules; Helpmekaar helps members follow them.
Is Helpmekaar right for you? →Have a say
Review proposals and vote on shared decisions.
Apply for support
Submit a claim and follow its progress.
Connected members.
How it works
From an invitation to taking part.
Join by invitation
An existing member invites you. Complete your application for two candidate sponsors to review.
Set up your household
After approval, complete the identity checks, learn the rules and prepare your first contribution.
Contribute each month
Track your payments and see how your contribution is divided between support pools and running costs.
Take part
Apply for support when you need it, review your money and vote on stokvel decisions.
The tools behind your stokvel
Less chasing. More clarity.
Members need to know what is happening. The people running the stokvel need clear records and tasks. Helpmekaar brings both together.
Contributions
Keep payment records together. Members can see what is due, what was received and where it was allocated.
Member support
Collect claim information, request evidence and keep review decisions and payment progress in one place.
Shared decisions
Give members a place to read proposals, vote and follow what happens after a decision.
Money records
Show balances, movements and withdrawal progress without confusing a request with a completed payment.
Membership
Guide people from an invitation through application and activation, with a clear next step.
Each stokvel has its own contribution amounts, allocation rules and membership requirements. Your private invitation explains the stokvel you have been invited to join.
Before you join
Understand the rules.
Know how membership, support and shared decisions work before you apply.
Who can join?
You need an invitation from an existing member. Your inviter is already your first sponsor. Two candidate sponsors review your application; both must approve before you are admitted.
If the decisions are split, the approval stays and only the rejected seat is replaced. Two accepted rejections end the application.
Continue with an invitation →How do support claims work?
Members submit a claim with the required information. Sponsors and, where needed, the committee review it under the stokvel’s rules. You can track requests for information, decisions and payment status in your account.
An approved claim is not a confirmed payment. The payment status is shown separately.
Who makes decisions about shared money?
Members vote on proposals. The people appointed to run and review decisions have specific duties under their stokvel’s rules. A passed vote and an implemented decision are shown separately so you can see what has happened.
Can I withdraw my money or leave?
Available Rand Wallet funds can be requested for withdrawal. Investments and pooled funds have different release rules. Before you request a withdrawal or start an exit, your account shows the restrictions and steps that apply.
Is Helpmekaar live?
Helpmekaar is in pre-launch. Live payment services are not yet available. Your invitation explains the joining requirements for that stokvel; creating an account does not activate membership or cover.
Need help?
Find your next step.
Already a member? Sign in to track a claim, payment or support request. If you cannot sign in, use account recovery.