Small team with big ambitions. And having fun while at it.

At Kwara we are passionate about supporting the financial cooperative movement that currently improves the lives of hundreds of millions of people worldwide.

We uphold the 7 principles of cooperatives:

  1. Voluntary, Open Ownership
  2. Democratic Owner Control
  3. Member Economic Participation
  4. Autonomy And Independence
  5. Education, Training And Information
  6. Cooperation Among Cooperatives
  7. Concern For The Community
  • Voluntary, Open Ownership

    Cooperatives are voluntary organisations, open to all persons able to use their services and willing to accept the responsibilities of membership, without discrimination. You can join, and leave, at any time.

  • Democratic Owner Control

    One Member, one vote. Cooperatives are democratic organisations controlled by their members, who actively participate in setting their policies and making decisions. Your voice will be heard.

  • Member Economic Participation

    Members contribute equitably to, and democratically control, the capital of the cooperative. The economic benefits of a cooperative operation are returned to the Members, reinvested in the co-op, or used to provide Member services. You control the capital.

  • Autonomy And Independence

    Cooperatives are autonomous, self-help organizations controlled by their Members. You decide what happens within your organization.

  • Education, Training And Information

    Cooperatives provide education and training for Members so they can contribute effectively to the development of their cooperatives. They also inform the general public about the nature and benefits of cooperation.

  • Cooperation Among Cooperatives

    Cooperatives serve their Members most effectively and strengthen the cooperative movement by working together through local, regional, national and international structures. You are more successful when you cooperate with others who know how to cooperate.

  • Concern For The Community

    While focusing on Members’ needs, cooperatives work for the sustainable development of their communities through policies accepted by their Members. You can do something for the community even as you keep succeeding.

The forces behind kwara

  • Cynthia Wandia

    Founder, CEO

    Cynthia is an explorer, engineer and polyglot, leading an incredible team to build the infrastructure to turbocharge fair financial institutions.

  • Sam Starling

    Lead Engineer

    Sam is a product-focused full-stack developer. When he’s not describing himself using buzzwords, he’s laying the foundations of Kwara, and building the systems that’ll make life for fair financial institutions easier.

  • Andrew Nicolaou

    Front End Engineer

    Andrew is a developer who makes web software, specialising in crafting the user interfaces that make using Kwara easy and enjoyable.

  • Austin Kabiru

    Software Engineer

    Austin is a Software Engineer formerly working for BBC News via Andela. He is fascinated by simple solutions to complex problems. In his other life, he is a classical musician who enjoys playing trombone and piano.

  • James Maskell

    Product Helper

    James has previously been a startup founder with 7 years experience in product management in startups and established companies, and is now helping to scope and launch the first version of Kwara.

Our advisors

  • Nikolaus von Taysen

    Founding Investor & Advisor

    Serial entrepreneur (PAY.ON – exited, Payreto, Payworks) and Founding Partner of Finparx, a Berlin-based impact oriented startup studio.

  • Norbert Gebhard


    Former GM Travel & Enterprise Partnerships Mastercard worldwide with Executive Roles at Hypovereinsbank, Deutscher Sparkassen- und Giroverband.

We are always on the look-out for smart, enthusiastic people to come help us build the best SACCO product in the world!