Change the way you save and borrow money! CIWA is a Tontine (called Daret in Morocco) management application that allows communities to organize, plan and manage their tontines. CIWA aims to expand tontine practices by allowing participants to collaborate across large geographic areas. A participatory finance tool, Ciwa is also a vector of financial inclusion that provides traceability of transactions to participants and protects them against fraud. CIWA is a product of happy smala's startup studio.