Tontines involve people, often those with low incomes, organising themselves into savings groups and together agreeing to save a portion of their income every month. The start-up MaTontine digitalises this system, thus allowing group members more planning capability. With this, members of the tontines can thus be rated for their creditworthiness. The loans granted through this have reasonable terms, and the associated opening of bank accounts is free. For members of a tontine on the platform, it is now easier to start a business, buy livestock, build houses or send their children to school.