Stokvel OS

Stop selling vibes at the payout meeting.

Plain Desk Stokvel OS is a year-end / dispute meeting pack for SA savings clubs and stokvels — one download so the room argues from the same file, not from WhatsApp archaeology.

What is in the pack (you edit, you keep): constitution template (membership, contributions, payout/rotation, exit payout rules, loans/emergencies, meetings, disputes), member register, contribution & payout calendar (Excel/Google Sheets), fine & loan log, year-end payout sheet, short treasurer how-to.

Not a blank tracker. Not a bank. Does not hold money. Not insurance. Not a NASASA filing service. Not legal or financial advice.

Buy: https://stofficial.gumroad.com/l/ydbgne · R199 · instant download · Plain Desk