Take control of where your money goes — and where it can grow.
The Waya Waya Economy connects household spending through Mela Shopper and Stokvel Waya Waya to savings, investment, trade and business opportunities within the wider Mela Africa ecosystem.
Buying together is the beginning.
Stokvel Waya Waya coordinates everyday household demand. That shared buying power creates a bridge into savings, member finance, supplier opportunity and business growth.
Savings Waya Waya
Active operating modelSavings Waya Waya helps members track and manage savings already held elsewhere, while connecting approved savings programmes to the wider cooperative framework. Savings earn interest through approved cooperative lending and financing activity.
- Track and manage savings already held elsewhere.
- December Grocery Savings Pocket.
- Growth and investment savings.
- Business Builder Savings.
Exact contribution bands and product-package values remain subject to INNOVA product design.
Visit INNOVA Multipurpose Cooperative pageSpending creates demand.
What households spend creates demand that businesses can serve.
B2B Waya Waya — Trade together.
As a B2B Waya Waya member, you:
- get a dedicated e-commerce store for your own products with direct payments to your account;
- can list qualifying products directly on Mela Shopper;
- can supply Stokvel Waya Waya demand cycles;
- gain access to larger retailer and wholesaler supply opportunities where Mela aggregates qualifying suppliers;
- access the cooperative barcode and batch-management platform supporting the GS1 barcode system;
- access product-development, branding, packaging and market-readiness support;
- access digital-commerce and digital-readiness support;
- access qualifying order financing through Savings Waya Waya and the INNOVA cooperative framework;
- access Mela ecosystem demand and order opportunities.
Capital circulates through participation.
Households buy. Aggregated demand becomes visible. Member businesses prepare and supply. Goods move through the ecosystem. Savings and cooperative finance help members build capacity to serve the next opportunity.
The cooperative institutional framework.
INNOVA provides the cooperative institutional framework for savings, member finance and member-development programmes. Mela Africa coordinates commerce and market opportunities.
Visit INNOVA Multipurpose Cooperative pageWaya Waya Economy FAQ
How do Savings Waya Waya and B2B Waya Waya connect?
Savings strengthens member capacity while B2B connects members to demand, trade and market opportunities within the same wider economy.
Are final savings values published?
Exact contribution bands, package values and interest details remain subject to final approved product design.