A South African shop owner welcoming a customer buying fresh groceries

A division of Luthando Maduna Foundation

SAMBO.

South African
Multi-Business Owners.

Own more than your everyday purchases.
Participate in multiple businesses, property ownership and shared value — as you shop where you own.

Membership contributions from R250 per month.

BUILDING OWNERS. BUILDING COMMUNITIES.Powered by the Stratum ecosystem

Everyday spending. Shared possibilities.

A membership that builds ownership.

SAMBO is the membership body of the Luthando Maduna Foundation, a registered Public Benefit Organisation. We bring together South Africans to participate in a growing network of businesses and property through the Stratum Fintech platform — connecting groceries and essentials to pathways towards community wealth.

Funds remain with banksLicensed fund managersCommunity-focused ownership

More value in your membership

Your membership. Your possibilities.

Explore membership

Multi-business & property ownership

Participate in the businesses you support and the properties that house them. Build ownership interests across a professionally managed network.

Explore ownership

Shop where you own

Connect everyday spending on groceries and essentials to automatic participation, with an option to top up.

Start your ownership journey

Join SAMBO

Monthly contributions from

R250 / month

Become a member

Shared profits

Participate in eligible distributable profits from trading businesses and property rental across the network.

Professional management

Stratum Financial Services manages the ecosystem, supported by licensed financial services providers working with banks.

Meet the ecosystem

Building people-owned inclusive cities.

Support the Foundation's mission of economic inclusion, community development and generational wealth — starting with Alexandra.

Our purpose & mission

Your journey starts here

From everyday spending to ownership.

01

Join & verify

Register on Wealth Rotation and complete the required identity and FICA/KYC verification.

02

Activate & shop

Start your monthly contribution and shop for groceries and essentials at participating businesses.

03

Participate automatically

Eligible spending connects to ownership participation. Add an optional top-up when you choose.

04

Track & share in value

View your activity and statements on the platform and participate in eligible shared value.

Meet Susan: how we help members

Additional member offerings

Support for life beyond ownership.

All member services

Explore lending solutions and protection for you, your family and your business through banking partners and authorised specialist providers.

Personal & business loans

Explore personal finance and working capital through partner banks.

Vehicle finance & refinancing

Find finance options for your vehicle or explore refinancing.

Insurance & protection

Motor, home, life, pet and vehicle warranty options through partners.

Home loans & wills

Explore property finance and plan for your family’s future.

Products are partner-provided and subject to eligibility, credit criteria, affordability assessments, approval and applicable terms.

Be part of the economy you support.

Building Owners. Building Communities. Building Generational Wealth.

Important to knowOwnership depends on valid investment agreements and documented allocations. Business and property participation involve risk, including possible loss of capital. Profits, distributions and returns are not guaranteed. Financial products are provided by the responsible banks and licensed providers under their own terms.