Dashboard
Thabo Savings Circle · Cycle 8 of 12 · April 2025
Pool balance
R 8,400
7 of 10 paid
↑ 70% funded
Next payout
R 5,000
Nomvula · Apr 28
3 days away
On-time rate
87%
This cycle
↑ 4% vs last
Active loans
2
R 3,200 outstanding
1 due soon
⚠️ 2 contributions pending — Lindiwe and Bongi need treasurer confirmation.
💡 New: Sipho Nkosi has applied for a micro loan of R 1,500.
April cycle progress
Confirmed7 / 10
SN
Sipho Nkosi
ConfirmedLM
Lindiwe Mokoena
ZD
Zanele Dlamini
LatePayout approval
AwaitingNZ
Nomvula Zulu
Order #5 · R 5,000
Apr 28
✓
Thabo · Chair
ApprovedNomsa · Treasurer
My Group
Constitution · Members · Rules
Constitution
ContributionR 500 / month
Late fineR 50 after 3 days
Payout approvals2 required
Loan ceiling50% of pool
Max loan rate2.5% / month
Group stats
TOTAL SAVED
R 21,500
PAID OUT
R 15,000
LOANS ACTIVE
2
SERVICES
4
Members (10)
| Member | Role | Order | On-time | Services | Status |
|---|---|---|---|---|---|
TM Thabo Maseko | Chair | #1 | 100% | 3 active | Active |
NK Nomsa Khumalo | Treasurer | #2 | 100% | 2 active | Active |
SN Sipho Nkosi | Member | #3 | 88% | 1 active | Loan active |
LM Lindiwe Mokoena | Member | #4 | 75% | — | Active |
NZ Nomvula Zulu | Member | #5 | 100% | 2 active | Next payout |
Contributions
April 2025 — Cycle 8
Confirmed
7
R 3,500
Pending
2
R 1,000
Late
1
Fine pending
Expected
R 5,000
10 × R 500
All contributions
| Member | Method | Amount | Date | Status | Actions |
|---|---|---|---|---|---|
TM Thabo Maseko | EFT | R 500 | Apr 2 | Confirmed | — |
NK Nomsa Khumalo | Cash | R 500 | Apr 3 | Confirmed | — |
SN Sipho Nkosi | Instant Pay | R 500 | Apr 5 | Confirmed | — |
LM Lindiwe Mokoena | Cash | R 500 | Apr 6 | Pending | |
ZD Zanele Dlamini | — | R 500 | — | Late |
Payouts
Rotation schedule & approvals
April 2025 payout
Dual approval required
NZ
Nomvula Zulu
Recipient · Order #5
R 5,000
Apr 28
✓
Thabo Maseko · Chair
ApprovedNomsa Khumalo · Treasurer
Rotation 2025
1
Jan · Thabo Maseko
Paid2
Feb · Nomsa Khumalo
Paid3
Mar · Sipho Nkosi
Paid4
Apr · Nomvula Zulu
Pending5
May · Lindiwe Mokoena
UpcomingMicro Loans
Borrow from your group · Group pool backed · Auto repayment
Pool available to borrow
R 4,200
50% ceiling · R 8,400 pool
My outstanding
R 0
No active loan
Group loans active
2
R 3,200 total
Loan policy — set by group constitution
MAX BORROW
R 4,200
50% of pool
INTEREST RATE
2.5%
Per month (flat)
MAX TERM
6 months
Auto-deducted
APPROVAL
Group vote
51% majority
Pending applications
Require group vote (51% majority)
SN
Sipho Nkosi
Applied Apr 20 · Purpose: School fees
R 1,500
3 months · 2.5%/mo
Repayment: R 538.00/month · Total payback: R 1,614 · Interest: R 114
Votes: 4 approve / 1 reject / 5 pending
4needed: 6
Active loans
BB
Bongi Baloyi
Disbursed Feb 1 · Grocery stokvel buy-in
R 1,700 left
of R 2,000
Next deduction: R 708 on May 1 · 1 of 3 months repaid
TM
Thabo Maseko
Disbursed Mar 1 · Home repairs
R 1,500 left
of R 2,000
Next deduction: R 538 on May 1 · 1 of 4 months repaid
Loan history
| Member | Amount | Interest earned | Term | Closed | Status |
|---|---|---|---|---|---|
| Nomsa Khumalo | R 1,000 | + R 75 | 3 months | Jan 2025 | Repaid |
| Sipho Nkosi | R 500 | + R 25 | 2 months | Dec 2024 | Repaid |
Interest earned by group pool: R 100 total · Distributed as bonus to all members at year end
Audit Ledger
Append-only · Blockchain anchored · POPIA compliant
Total in
R 21,500
Total out
R 15,000
Balance
R 6,500
Last anchor
Mar 31
0x4a9f...e812
Event log
Hash-chained| Event | Actor | Amount | Time | Hash |
|---|---|---|---|---|
| CONTRIBUTION_CONFIRMED | Sipho Nkosi | R 500 | 2h ago | a3f7...c12e |
| PAYOUT_APPROVED | Thabo Maseko | — | 4h ago | b91a...44fd |
| LOAN_DISBURSED | System | R 2,000 | Mar 1 | d12f...9a4b |
| PAYOUT_DISBURSED | Nomsa Khumalo | R 5,000 | Mar 28 | f02b...9c3a |
| CHAIN_ANCHOR_WRITTEN | System | — | Mar 31 | 0x4a9f...e812 |
My Funeral Cover
Siyakhathala — Delivering A Modern Service With Dignity
● Single Plan · Active
Member since Jan 2025
📞 083 574 5889
💬 078 184 5046 (WhatsApp)
KWT · Mdantsane branches
💬 078 184 5046 (WhatsApp)
KWT · Mdantsane branches
Waiting period
Month 4 of 6
Claims open Jul 2025
JanFebMarApr●MayJun
Next deduction
R 120
May 1 with cycle 9
Status
✅ Cover Active
Policy #DW-2025-0042
My Plan Benefits
Single Plan
✓Headstone
✓Casket (Dutch Half View)
✓Decoration
✓2 Poles Tent
✓150 Chairs
✓50 Chair Covers
✓Removal & Storage
✓Transport: SUV
✓100 Programmes
✓Graveyard Tent
✓Lowering Device
✓Delivery
Group Cover — Thabo Savings Circle
| Member | Plan | Premium | Status |
|---|---|---|---|
TM Thabo | Single | R 120 | Active |
NK Nomsa | Family | R 220 | Active |
SN Sipho | Basic | R 250 | Active |
NZ Nomvula | Premium | R 500 | Active |
BB Bongi | Basic | R 250 | Active |
PD Phumzile | Single | R 120 | Active |
LM Lindiwe | — | — | Uninsured |
ZD Zanele | — | — | Uninsured |
Group monthly cover total
R 1,460 / month
How To Make A Claim
Available from 1 July 2025 · After 6-month waiting period
1
Contact Dwane
Call 083 574 5889 or WhatsApp 078 184 5046 — available 24/7
2
Share Member ID
Your policy is linked to your profile. Instant verification.
3
Submit Documents
Death certificate, ID of deceased, your own ID.
4
Arrangements Made
Dwane Funerals handles everything per your plan.
☎️
Emergency — Dwane Funerals (24/7)
083 574 5889 · WhatsApp 078 184 5046 · KWT & Mdantsane
Premium Payment History
Auto-deducted with each stokvel cycle
| Month | Premium | Joining fee | Total | Deducted from | Status |
|---|---|---|---|---|---|
| April 2025 | R 120 | — | R 120 | Cycle 8 contribution | Paid |
| March 2025 | R 120 | — | R 120 | Cycle 7 contribution | Paid |
| February 2025 | R 120 | — | R 120 | Cycle 6 contribution | Paid |
| January 2025 | R 120 | R 60 | R 180 | Cycle 5 contribution | Paid |
Total paid to Dwane Funerals (incl. joining fee)
R 540
Choose Your Cover Plan
6-month waiting period · R 60 joining fee · Ages 18–84 · Auto-deducted with contribution
📞 083 574 5889
💬 078 184 5046 WhatsApp
KWT · Mdantsane
💬 078 184 5046 WhatsApp
KWT · Mdantsane
✅
You are on the Single Funeral Plan — R 120/month. Premium auto-deducted with your stokvel contribution. To upgrade select a plan below. View my cover dashboard →
📍
KWT Branch
12 Wellington Street, King William's Town
📍
Mdantsane Branch
12-13 Indwe Road, Fort Jackson
— Individual Plan —
Single Funeral Plan
Main member only
R 120
per month
👤 Main member only · Ages 18–84
HeadstoneCasket Dutch Half ViewDecoration2 Poles Tent150 Chairs50 Chair CoversRemovalStorageDeliveryTransport: SUV100 ProgrammesGraveyard TentLowering Device
— Family Plans —
Family Plan (No Extended)
Member + Spouse + 6 Children
R 220
per month
👨👩👧👦 Main member + Spouse + 6 Children · Ages 18–84
HeadstoneCasket Dutch Half ViewDecoration2 Poles Tent150 Chairs50 Chair CoversRemovalStorageDeliveryTransport: SUV100 ProgrammesGraveyard TentLowering Device
Basic Family Plan
Extended family including parents
R 250
per month
🏠 1 Main member + Spouse + 4 Parents + 4 Other Dependents + 6 Children under 21 · Ages 18–84
CoffinDecoration2 Poles Tent100 Chairs10 Chair CoversRemovalStorageDeliveryTransport: 4x4 Bakkie100 ProgrammesLowering Device
Premium Family Plan
Full family · Enhanced service · Speaker + Mic
R 500
per month
⭐ 1 Main member + Spouse + 4 Parents + 4 Dependents + 6 Children under 21 · Ages 18–84
HeadstoneCasket Dutch Half ViewDecoration3 Poles Tent250 Chairs50 Chair CoversRemovalStorageDeliveryTransport: SUV200 ProgrammesGraveyard TentSpeaker + MicLowering Device
Gold Family Plan
Top tier · Mini Dome Casket · 350 Chairs
R 600
per month
🥇 1 Main member + Spouse + 4 Parents + 4 Dependents + 6 Children under 21 · Ages 18–84
HeadstoneMini Dome CasketDecoration3 Poles Tent350 Chairs100 Chair CoversRemovalStorageDeliveryTransport: SUV350 ProgrammesGraveyard TentSpeaker + MicLowering Device
⚠️ Important: All plans have a 6-month waiting period and a once-off R 60 joining fee. Premiums are auto-deducted with your stokvel contribution. Cover provided by Dwane Funerals, not the savings platform. Claims: 078 184 5046 (WhatsApp) or 083 574 5889.
Invest with Dwane Funerals
Put your money to work · Annual payouts every December · Capital protected
📈
Dwane Funerals Investment Fund
Regulated · Capital protected up to R 100,000 · Annual payout December · Minimum 12-month lock-in
8–14%
Annual return
My invested
R 5,000
Since Jan 2025
↑ Growing
Projected payout
R 5,600
Dec 2025 · 12% tier
Interest accrued
R 240
4 of 12 months
On track
Investment tiers
STARTER
8% / year
R 500 – R 4,999
- Annual payout December
- 12-month lock-in
- Capital protected
MOST POPULAR
GROWTH
12% / year
R 5,000 – R 24,999
- Annual payout December
- 12-month lock-in
- Capital protected
- Quarterly statements
PREMIUM
14% / year
R 25,000+
- Annual payout December
- 6-month lock-in
- Capital protected
- Dedicated advisor
- Priority withdrawals
My investment history
| Date | Type | Amount | Return | Status |
|---|---|---|---|---|
| Jan 5, 2025 | Initial deposit | R 5,000 | 12% p.a. | Active |
| Dec 31, 2024 | Annual payout | R 380 | +R 380 | Paid out |
| Jan 10, 2024 | Initial deposit | R 3,000 | 8% p.a. | Closed |
⚠️ Important: Investment products are subject to Dwane Funerals fund terms. Returns are not guaranteed but are based on fund performance. Capital protection applies up to R 100,000. Past returns are not indicative of future performance. Dwane Funerals is not a registered bank. Consult a financial advisor before investing. Minimum investment R 500. Payout date: 31 December annually.
AI Advisor
Ask anything about your group, loans, services or investments
Dwane Funerals AI
Thabo Savings Circle · Full context
👋 Hi Thabo! I have full context on your group, loans, services and investments. What would you like to know?
Who hasn't paid?
Loan summary
My returns
Services overview
Group health
Quick insights
1 member late — Zanele. Fine R 50 applies Apr 28.
Loan pending vote — Sipho's R 1,500 needs 2 more votes.
Services revenue — Group generating R 1,393/mo in service deductions.
Investment maturing — Your R 5,000 pays out Dec 31. Projected: R 5,600.
Group health
87%
Good standing
On-time payments87%
Loan repayment rate100%
Open disputes0
Dwane Funerals — Operations Dashboard
Internal company view · Policy tracking · Claims management · Revenue · April 2025
● KWT Branch
● Mdantsane Branch
Last updated: Apr 25, 2025 09:14
Total policies
1,842
Active across all groups
↑ +94 this month
Monthly premiums (MRR)
R 483K
1,842 policies × avg R 262
↑ +R 24K vs Mar
Active claims
3
2 in progress · 1 pending docs
5 closed this month
Joining fees (MTD)
R 5,640
94 new policies × R 60
↑ +12 vs last month
YTD net revenue
R 1.93M
Premiums collected Jan–Apr
On track for R 5.8M / year
Policies by plan — Net uptake
Total 1,842 active policies
Single Plan · R 120/mo
612 policies
R 73,440/mo
33% of total · +28 this month
Family No Extended · R 220/mo
438 policies
R 96,360/mo
24% of total · +22 this month
Basic Family · R 250/mo
380 policies
R 95,000/mo
21% of total · +18 this month
Premium Family · R 500/mo
284 policies
R 142,000/mo
15% of total · +20 this month
Gold Family · R 600/mo
128 policies
R 76,800/mo
7% of total · +6 this month
Total MRR
R 483,600 / month
Monthly policy growth
+58
Nov
+64
Dec
+71
Jan
+79
Feb
+86
Mar
+94
Apr●
↑ 9.3% month-on-month growth
Branch split
KWT Branch
1,120
policies · 60.8%
Mdantsane
722
policies · 39.2%
⏰ Next premium collection
May 1, 2025
R 483,600
Policies renewing
1,842
Expected new sign-ups
~100
Projected May MRR
~R 509,600
Internal — Platform Admin
Dwane Funerals Platform
Full company oversight · Live mock data · April 2025
Total group turnover
R 2.4M
All groups · YTD 2025
Platform earnings
R 184,200
Fees + cover + loans
Active groups
248
+12 this month
Total members
3,142
Across all groups
Funeral policies
1,842
Active · via Dwane Funerals
↑ 94 this month
Cover premiums (MRR)
R 312,560
Monthly recurring
↑ 8.2% vs last month
Active loans
184
R 1.2M outstanding
98% repayment rate
Investment AUM
R 8.24M
412 investors
11.2% avg return
Revenue breakdown — YTD 2025
Total: R 184,200
Dwane Funerals cover commissionsR 61,400
Platform subscription feesR 49,600
Loan interest earnedR 21,800
Investment fund mgmt. feeR 38,200
Other platform feesR 13,200
Total YTD earnings
R 184,200
Dwane Funerals Cover — Admin View
Total policies
1,842
↑ 94 new this month
Monthly premiums
R 312K
Recurring revenue
Policies by plan
Single Plan (R 120)612 · R 73,440/mo
Family No Extended (R 220)438 · R 96,360/mo
Basic Family (R 250)380 · R 95,000/mo
Premium Family (R 500)284 · R 142,000/mo
Gold Family (R 600)128 · R 76,800/mo 🥇
Total MRR from coverR 483,600 / month
Recent Claims — Dwane Funerals
All claim events across all groups
3 active
| Claimant | Group | Plan | Claim date | Branch | Status |
|---|---|---|---|---|---|
MK M. Khumalo | Soweto Ladies | Premium Family | Apr 3, 2025 | KWT | Completed |
PT P. Tshabalala | Durban Workers | Gold Family | Apr 14, 2025 | Mdantsane | In progress |
NN N. Nkosi | Cape Town Grocery | Basic Family | Apr 18, 2025 | KWT | In progress |
LD L. Dlamini | Pretoria Business | Single Plan | Mar 22, 2025 | Mdantsane | Completed |
BM B. Molefe | Thabo Savings | Family No Ext. | Feb 10, 2025 | KWT | Completed |
All Groups (248)
Live · Click any group to manage
| Group | Type | Members | Pool | Cover enrolled | Loans out | On-time | Status |
|---|---|---|---|---|---|---|---|
| Thabo Savings Circle | Rotation | 10 | R 8,400 | 6 / 10 | R 3,200 | 87% | Active |
| Soweto Ladies Circle | Savings | 15 | R 22,500 | 14 / 15 | R 0 | 95% | Active |
| Durban Workers Stokvel | Rotation | 8 | R 6,400 | 5 / 8 | R 800 | 75% | 1 dispute |
| Cape Town Grocery Circle | Grocery | 12 | R 14,400 | 11 / 12 | R 1,500 | 91% | Active |
| Pretoria Business Stokvel | Rotation | 20 | R 40,000 | 18 / 20 | R 8,000 | 100% | Active |
| JHB Youth Circle | Savings | 6 | R 3,600 | 2 / 6 | R 0 | 67% | Late issues |
| Showing 6 of 248 groups · Load more | |||||||
Investment Fund
Dwane Funerals Fund · 412 investors
Total AUM
R 8,240,000
Dec 2025 payout
R 904,000
Avg return
11.2%
Mgmt. fee earned
R 38,200
Starter: 212 investors · Growth: 156 investors · Premium: 44 investors
Branch Performance
KWT Branch
142
groups · R 1.4M pool
1,120 policies active
Mdantsane Branch
106
groups · R 1.0M pool
722 policies active
Upcoming policy renewals
May 2025 renewals284 policies · R 71,200
June 2025 renewals310 policies · R 84,300
July 2025 renewals328 policies · R 91,600