THE MA'AT APP
The Ma'at App embodies the learnings of the groups and encapsulates the Maat rules. It is the rules behind the bookkeeping.
It is an application that allows collectives to self-govern and self-motivate. The App enforces a set of behaviours to help the group become autonomous and successful. It alerts on risks.
The App is teaching by doing, acting as a control mechanism that protects the groups when rules are violated.
There is a self-governed business model built into the App with a common language that ensures that collectives can interact.
The App celebrates, reinforces, guides. It helps the social obligations and moral obligations to be enforced. It is a safeguard on fraud.
TRAINING
Training is led by Ophavela which has extensive knowledge on group creation and dynamics and a world success record on loan repayment and on averting corruption.
Awareness raising starts with information campaigns to local communities. The training-by-doing is organised in 3 phases:
Launching phase (3 months): Create and organise the group, democratic elections of the Group Management, drafting of the group regulations; learning and practice, including the roles and responsibilities of each member.
Practice phase (2 ½ months): Building autonomy. A Credit Coach attends the group meetings to ensure that the meetings are proceeding satisfactorily and helps resolve occasional problems.
Maturity phase (2 months): Ensures independence. The Credit Coach helps verify the use of funds in strict adherence to the group rules. The group is now able to function independently and to self-replicate.
The first year the Credit Coach forms between 7 to 15 groups, the second year she/he identifies Facilitators paid by the groups, who will help the functioning, conflict resolution and self-replication of the groups.
The system becomes self-propelling, and a web of credit nodes expands under the care and guidance of the country managers.