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Everything we publish in English about the Moroccan daret — a rotating savings circle also called a tontine or جمعية — and about Darret, the free app that organizes one.
What is a daret? A daret is a Moroccan rotating savings circle — called tontine in French, جمعية in Arabic and ROSCA in English. Between 3 and 12 people who trust each other pay How Darret works You sign up on darret.ma, verify your identity with your national ID (CIN) and a selfie, then either create a daret — setting the monthly amount, the number of Security & trust Darret makes trust verifiable: every member is checked with their national ID (CIN) plus a live selfie, so no one in your circle is anonymous; every contributio Is a daret legal in Morocco? A daret is a long-standing private savings arrangement between people who trust each other: members pool their own money, no one lends, no interest is charged a Daret vs a bank savings account A bank account keeps your money available but only ever gives you back what you have already saved; a daret gives you access to a large lump sum long before you Daret glossary The words for one and the same thing: a daret (Morocco) = جمعية (Arabic) = tontine (French) = ROSCA (English). Inside a circle, the contribution is what each me Frequently asked questions Darret is a free Moroccan app for running a daret (tontine / جمعية) online: members are verified with their CIN and a selfie, every payment is recorded and visi About Darret Darret is a Moroccan app built by Finzora SARL in Meknès that brings the traditional daret online: verified members, transparent payment tracking, and no fees. Is a daret halal? A daret involves no interest, no lender and no charge on the contributions: every member pays the same total and receives the same total, so nobody gains at any How much does Darret cost? Darret is free. There is no commission on contributions, no subscription, no fee to create or join a circle, and no charge when you receive the pot. Because Dar How to organize a daret between friends Pick a monthly amount everyone can pay comfortably, keep the circle between 3 and 12 people who genuinely trust each other, fix the order of turns before the fi Daret risks — and how to avoid them The three real risks in a daret are a member who stops paying after receiving their turn, a disagreement over the order of turns, and an organizer who holds eve Daret calculator The pot in a daret is the monthly contribution multiplied by the number of members, and the circle lasts one month per member. You pay that same total across th Daret or a personal loan? A personal loan gives you money immediately and you pay back more than you borrowed. A daret gives you the same lump sum for exactly what you put in — no intere