Savings & loans, built for VSLAs and SACCOs.
A secure digital ledger for community savings groups, cooperatives and microfinance institutions — with USSD-ready access so members without smartphones can still transact.
Portfolio insights, in real time
Every deposit, disbursement and repayment feeds the same dashboard. No spreadsheets. No blind spots.
Illustrative data shown — live numbers appear once transactions are recorded.
Monthly disbursements
Portfolio by status
Collection rate
Interest income trend
One platform. Every product your group offers.
From weekly VSLA share-outs to formal SACCO loan portfolios — the same ledger, tuned for the way rural finance actually works.
Savings accounts
Individual and group savings, deposits, withdrawals and daily-accrued interest.
Loans & repayments
Reducing-balance and flat-rate loans with automatic amortization schedules.
Member records
KYC, next-of-kin, and audit-logged updates on every profile.
Reports
Portfolio-at-risk, collection rate, interest earned, monthly disbursements.
USSD-ready API
A dedicated REST surface for USSD gateways to serve rural members.
Audit trail
Append-only log of every financially significant action, for compliance.
How it works
Four steps from registration to your first repayment.
Register
Members sign up online or are added by a loan officer. KYC is captured against each profile.
Save
Open an individual or group savings account. Deposits accrue daily interest.
Borrow
Apply online or via USSD. A loan officer reviews and approves; disbursement issues a full repayment schedule.
Repay
Repayments post via cash, bank or mobile money. Every payment allocates across interest and principal automatically.
Ready to digitise your group?
Register the first member and start posting savings today. Loan officers can begin approving credit as soon as the KYC file is complete.