A. Direct Beneficiaries (Core Users) ● Cooperative members ● Ibimina participants ● Market traders ● Farmers ● Students and youth saving groups ● Women savings groups

B. Caretakers (Support Community Wellbeing) ● Cooperative leaders ● Group treasurers ● Community mobilizers ● Women group coordinators ● Local church leaders involved in saving groups

C. Stakeholders (Systems & Institutions) ● Local cooperatives ● SACCOs ● Microfinance institutions ● Village savings associations ● Local government community development offices ● NGOs promoting financial inclusion

D. Emerging Leaders (Influencers & Change Agents) ● Youth innovators ● Tech-savvy community members ● Digital payment agents ● Social activists advocating transparency ● Community business owners adopting digital tools

E. Affected Groups (People Impacted by the Problem) ● Low-income families ● Informal workers relying on savings groups ● Women who depend on rotating funds ● Students trying to save small weekly amounts ● Farmers whose produce depends on cooperative fair management