Become a co-owner.
Membership in Phakama / Arise is by application. Members co-own the cooperative, vote on material decisions, and receive returns in proportion to their stake.
A single, simple monthly contribution. Each member contributes the same amount and receives a proportional ownership stake in the cooperative pool.
- ✓Cooperative membership and proportional stake
- ✓Vote on investment policy and material decisions
- ✓Quarterly performance report
- ✓Onboarding orientation included
- ✓Exit terms defined in cooperative agreement
What happens after I apply?
You will receive an onboarding email with the cooperative agreement, the current investment policy, the operating budget, and a verification step for South African residency. Once your application is reviewed, you will be invited to your first contribution cycle.
Can I leave?
Yes. Exit terms are defined in the cooperative agreement, in line with South African cooperative-law principles. There is a notice period and a defined valuation process for buyback of your stake.
How do I pay?
After your application is approved, you will receive the cooperative's bank details and a personal payment reference by email. Use that reference on every EFT so contributions are matched to your account.
Can I miss a month?
Occasional missed months are tracked as outstanding balance, not as removal from the cooperative. Sustained non-contribution is handled per the cooperative agreement.
Final cooperative terms are set out in the cooperative agreement provided during onboarding. Nothing on this page constitutes financial advice or a public offer of securities.