In markets across Somalia, women traders are relying on traditional savings groups, known as ayuuto, to buy stock, cover school fees and expand their businesses without turning to loans.

Each member contributes a fixed sum every week or month, and one member receives the entire pot in turn. The system is built on trust between neighbours and fellow traders, and many groups have run for years with the same members.

From cash boxes to mobile wallets

A growing number of groups now collect contributions through mobile money, which members say is safer than handling cash and makes it easier to keep records. "Everyone can see who has paid on their phone, so there are fewer arguments," said a woman who manages a group of clothing sellers in Mogadishu's main market.

Traders said the lump sum from their turn often allows them to buy goods in bulk at lower prices, or to add new products such as cosmetics or kitchenware. Some groups have also set aside a small emergency fund to help members facing illness or a family crisis.

Many members say the groups offer more than money. Weekly meetings are a chance to share advice on suppliers, prices and customers, and newer traders often learn the basics of running a stall from more experienced women in the group.

Business trainers say savings groups could be strengthened with simple bookkeeping lessons, helping members track profits and plan how to use their payout.

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