> ## Documentation Index
> Fetch the complete documentation index at: https://docs.shirikia.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Shirikia DAO

> The main DAO — deposit and withdraw funds from your personal savings, apply for loans, and participate in platform governance.

Shirikia DAO is the main platform where everyone starts. When you create an account, you join the Shirikia DAO and get access to personal savings, loans, and [platform-wide governance](/governance).

## Personal savings

Your Shirikia account comes with a built-in personal savings account. Think of it as your digital wallet within the platform.

### Deposit funds

1. Go to your **Savings** page.
2. Enter the amount you want to deposit.
3. Confirm the deposit.

Your updated balance appears immediately.

### Withdraw funds

1. Go to your **Savings** page.
2. Enter the amount you want to withdraw.
3. Confirm the withdrawal.

Your balance updates right away. You can see your last 20 transactions on the savings page.

## Loans

Need some extra funds? You can apply for a personal loan through Shirikia.

### Apply for a loan

1. Go to the **Loans** section.
2. Enter the **amount** you need.
3. Set an **interest rate** (defaults to 5%).
4. Choose a **due date** for repayment.
5. Optionally, describe the **purpose** of the loan.
6. Submit your request.

Your loan starts with a **pending** status and goes through an approval process.

### Loan statuses

| Status       | What it means                                       |
| ------------ | --------------------------------------------------- |
| **Pending**  | Your application is under review                    |
| **Approved** | Your loan has been approved and funds are available |
| **Rejected** | Your application was not approved                   |
| **Paid**     | You have fully repaid the loan                      |

### View your loans

Go to the **Loans** section to see all your active and past loans, including the amount, interest rate, due date, and repayment progress.

## Governance

As a member of the Shirikia DAO, you can also participate in **platform-wide governance** — voting on proposals that shape how the entire platform works. Head to the [Governance](/governance) page to learn how to delegate your voting power, create proposals, and vote.