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About Ember & Oak

A women-led community building financial resilience together

Who We Are

A women-led, volunteer-run community association empowering women across Scotland

Our Mission

To strengthen financial resilience and wellbeing among women from the Global Majority across Scotland through collective savings, mutual support, and community-led responses to socio-economic issues.

Our Vision

A future where women can thrive financially through collective action, strong community networks, and fair access to financial support even in challenging economic times.

Our Approach

We bring women together to save collectively, support one another, and build financial confidence through mutual aid. The currency is TRUST!

Our Values

Guided by principles that strengthen our community

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Collective Strength

Together, we create stronger and more resilient futures for ourselves and our communities.

⚖️

Equity & Inclusion

Creating welcoming, culturally responsive spaces where all women feel valued and supported.

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Mutual Care

Built on trust, confidentiality, and shared responsibility. We look out for one another.

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Community-Led

Our members shape our work through collective decisions informed by lived experience.

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Financial Wellbeing

Promoting responsible saving and preventative support to reduce vulnerability to crisis.

Our Impact

Making a real difference in women's lives across Scotland

5+
Cities Across Scotland
100%
Interest-Free Support
£12
Annual Membership
Community Impact

What Our Members Say

"Being part of the ROSCA has helped me plan for bigger goals like buying a home or travelling, using my own money and without stress."

— Member

"This is necessary for people who cannot meet bank requirements. It gives access to money in a way that feels fair, dignified, and community-based."

— Member

"I feel more in control of my finances now, which has reduced my anxiety and improved my wellbeing."

— Member

"Knowing I'm personally accountable to the group makes me more disciplined — I wouldn't want to let them down."

— Member