MA’AT is a governance-based collective finance system designed for small farming communities worldwide.
A group of 10-30 peasants, artisans …living close by, come together to create their own, self-governed Ma’at fund.
They elect their leaders, define their rules, learn how to use the Ma’at app and start meeting regularly to bring money to their fund.
After a few weeks, they can start investing in their fields and homes, as well as in their collective projects.
Small farmers often face structural barriers when accessing credit, from rigid repayment models to unequal financial conditions.
Small farmers often face structural barriers
Traditional models rarely reflect the seasonal nature of farming
Local lenders and microfinance may offer access, but
A circular, community-based financial system designed to grow from within.
What you cannot do alone, you do as a group.
The money remains inside the community, no external extraction.
Rules are defined by the group, for the group.
Money moves back and forth to increase shared prosperity.
Cooperation and solidarity grow organically.
The individual and the collective strengthen one another.
Since March 2025, 60 Ma’at groups have been launched in northern Mozambique, bringing together 1,340 members and benefiting more than 7,000 people. Group funds already exceed €6,500 and continue to grow through collective savings and investments. The first groups, Nkacupali and Asmuc, started with 26 and 22 members. Today 66% of members and 70% of group leaders are women, investing in initiatives such as irrigation pumps, vegetable seeds, greenhouses, dried fish marketing, cashew businesses, and even a small hairdressing salon combined with agroecology products.
Following the success in Mozambique, the Ma’at network is expanding internationally.
In Mexico, 9 groups of Nahuatl indigenous women are being formed, bringing together 50 women who invest in backyard gardens, medicinal plants, improved cookstoves, handicrafts, and small food businesses.
In Galicia, Spain, 2 groups are already trained and 2 more are preparing to join. Their plans include investments in greenhouses, irrigation systems, farm equipment, food processing facilities, and community initiatives celebrating the history and work of rural women.
The Ma’at network continues to expand, supporting communities across multiple regions.
Target by September 2026 as the Ma’at network continues to expand.
Supporting communities across Mozambique, Mexico and Spain.
China, Mali and Bolivia are currently preparing to launch Ma’at groups.
In Mozambique, the majority of Ma’at members are women farmers and entrepreneurs.
