Group savings and loans
Digitize group contributions, loans, and repayments. Replace paper books with digital records and approval workflows.
VICOBA Integration
Connect Village Community Banks to formal banking. Digitize group savings, loans, and member records with mobile money in Tanzania.
Features for the Tanzania market
Bank and MNO linkage
Connect groups to bank accounts or mobile money (M-Pesa, Airtel Money) for deposits, withdrawals, and disbursements.
Member records
Member profiles, attendance, and transaction history. Support for group leaders and field officers.
Transparency
Shared view of group balance, loan status, and history to build trust and reduce disputes.
Financial inclusion
Designed for women, youth, and rural groups—aligned with national financial inclusion goals and partner programmes.
Frequently asked questions
How do groups get access to banking?
Groups can be linked to a bank (e.g. group account) or use mobile money for collections and disbursements. The platform supports both models.
Can loans be approved on the phone?
Yes. Group leaders can receive requests and approve loans via app or USSD, with funds sent to members via mobile money or bank.
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