Our nonprofit aims to strengthen ROSCAs, a traditional form of community-based savings and loans. We propose using AI to analyze participants’ financial behavior, seasonal income variations, and local economic factors to determine the most beneficial saving and borrowing cycles for each ROSCA group. By employing machine learning algorithms, we can optimize the financial impact for each member, ensuring better financial stability and empowerment. This AI application could revolutionize traditional microfinance models, providing a scalable blueprint for enhancing community-driven financial initiatives.