How Halawa Works
Halawa connects your group savings, credit access, and item catalogue in one simple flow.
The simple member journey
Join a group, save weekly, and grow your eligibility. When you need an item, you can take items worth 5 times your total savings.
Step 1 Join a group
Start with weekly savings
- Register as a member at any outlet.
- Join a group that meets weekly.
- Your contributions are recorded per week, per member.
Step 2 Build your record
Grow your eligibility
- Consistent savings improves your credit readiness.
- Staff can confirm your history across outlets.
- No confusion: your account stays connected system-wide.
Step 3 Choose an item
Browse the catalogue
- See items by category with pictures and details.
- Understand deposit terms and repayment guidance.
- Ask staff for availability at your preferred outlet.
Step 4 Deposit + repayments
Take goods on credit
- Pay the deposit to confirm the item.
- Repay in structured weekly/monthly steps.
- Payments are recorded instantly for transparency.
One connected system
Sales, membership, collections, loans, and inventory are unified across outlets.
Clear terms
Deposits, repayment guidance, and member history are visible and consistent.
Branch visibility
Head Office + branches stay aligned on stock flow and member activity.
What Head Office and branches do
Halawa serves you from many outlets, Just contact us to learn more.
Head Office Stock + oversight
Central control
- Distributes stock to outlets and monitors balances.
- Manages catalogue items and categories (Admin).
- Tracks reporting across all branches in one place.
Outlets Daily operations
Serve customers and members
- Handles walk-in sales and member support.
- Records weekly collections for groups.
- Receives repayments and updates accounts in real time.
Groups Weekly meetings
Structured savings culture
- Weekly contributions are recorded per member.
- Supports fair access to credit based on history.
- Improves accountability and repayment discipline.
Tip:
On your homepage, link this page as “How it works”. It helps new members understand the system quickly
and increases trust before they join a group.
Quick FAQs
Do I have to be in a group to buy items?
Walk-in customers can buy normally. Group membership is mainly for structured savings and credit eligibility.
How do repayments work?
Repayments follow agreed steps (weekly or monthly). Payments are recorded so your balance is always clear.
Can I use any outlet if I move?
Yes. Your record is connected, so branches and Head Office can view your history and support you across outlets.