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Commitment Score

Each member gets a trust rating based on their payment history. No more guessing who's reliable — the numbers speak.

Trust, measured.

Score Range: 0–100

Every member starts at 100. Your score reflects your payment consistency — on-time payments keep it high.

Builds Over Time

The more rounds you complete with on-time payments, the stronger your score becomes. Consistency is rewarded.

Late = Score Drop

Late or missed payments reduce your score. It's visible to the whole group — social accountability built in.

Group Health View

Chairpersons can see the group's overall commitment health at a glance. Spot problems before they grow.

Score Levels

90–100Excellent

Consistently on time. A pillar of the group.

70–89Good

Mostly reliable with minor lapses.

50–69Fair

Some late or missed payments. Needs attention.

0–49At Risk

Frequent missed payments. Group may vote on action.

“When everyone can see the scores, people pay on time. It's not about punishment — it's about accountability.”

— Stokvel Treasurer, Khayelitsha

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