A goal, not just a balance — enforced by the system, not willpower.
Name what the money is for, set the amount and date, and optionally lock it against early withdrawal. One standing order can then split a single recurring contribution across every goal a member is saving toward, automatically.
From a named goal to a standing habit
1. Set the goal
Name it, set a target amount and date — school fees, a deposit, an asset of your own.
2. Standing order
One recurring contribution auto-splits across several goals by rule — no manual transfer each time.
3. Lock it, optionally
Choose to lock a goal against early withdrawal — discipline enforced by the system, not just intention.
Breaking a goal early costs something — but never to the cooperative
A locked goal can still be broken before its date if a member genuinely needs to. It carries a penalty, but that penalty is never kept by the cooperative — it donates straight to the Sadaqah pool, so even changing your mind ends up doing some good.
What a goal actually enforces
- A goal can be locked against early withdrawal, if the member chooses to
- One standing order can auto-split across several goals by rule, on schedule
- Breaking a locked goal early is allowed — the penalty donates to Sadaqah
- Every deposit toward a goal lands on the same reconciled ledger as everything else
Goals sit on top of your main account
Every goal deposit is still just money in your cooperative account — see how member accounts work underneath it all.