Refer a Friend, Grow Together

Share Your Link

Share your unique referral link or code with friends, family, or community members via WhatsApp, text, or social media.

They Apply & Join

Your referral applies to join a Tontine group, signs the participation agreement, and makes their first contribution.

You Both Benefit

You receive a trust score bonus and referral credit. Your referral gets priority group placement and a welcome bonus.

What YOU Get (Referrer)

• +10 Trust Score Points when referral completes first contribution
• $25 Service Credit toward any Teranga service
• Priority Payout Position in your next group cycle
• Recognition in the Teranga Community Newsletter
• Unlimited Referrals — no cap on how many you can refer

What THEY Get (Referred)

• Priority Group Placement — faster entry into a group
• Free Consultation with Tontine coordinator
• +5 Welcome Trust Points to start their score
• Waived Application Fee (if applicable)
• Dedicated Onboarding support from our team