Digitize every meeting. Protect every shilling.
Chomoka is the digital backbone for VLAs and savings groups, standardizing meetings and records while generating clean, auditable data that enables embedded access to credit and financial services.
Built for real savings groups, not boardrooms.
Simple enough for first-time smartphone users. Robust enough for donors, auditors, and financial partners who demand clean data.
From ledgers to live records without breaking trust.
Set up your group profile, add members, and mirror your existing rules. Meeting flows guide record-keeping, calculate interest automatically, and produce receipts every member can see.
- Offline-first and sync-safe for rural coverage.
- Transparent receipts keep treasurers and members aligned.
- Export-ready reports that satisfy auditors and donors.
Works in any language — even offline.
USSD, Android, and web keep everyone synced. Voice prompts and intuitive flows support low-literacy members. Mobile money hooks mean safer collections and payouts.
- Multi-language and voice guidance reduce training time.
- Mobile money ready for Airtel Money, M-Pesa, MTN, and more.
- Role-based access keeps data safe for chairpersons and treasurers.
Everything your VSLA needs in one app.
Purpose-built for field officers, chairpersons, treasurers, and every member who needs clarity and confidence.
Smart Contributions
Automate shares, fines, loans, and social funds with instant totals and printable receipts.
Guided Meetings
Run meetings with step-by-step prompts, attendance logs, and audit-ready minutes.
Member Profiles
One source of truth for IDs, KYC, share history, loans, and guarantees.
Mobile Money Rails
Collect and disburse safely through Airtel Money, M-Pesa, MTN, and bank rails where available.
Predictive Insights
Forecast cash flow, flag risky loans, and spot groups ready for external capital.
Automated Reminders
SMS/WhatsApp nudges for dues, meetings, birthdays, and loan follow-ups—no manual chasing.
Extend credit directly to groups with full transparency and control.
Chomoka doesnt stop at record-keeping. It powers digital credit flows into savings groups while keeping banks and Micro Lenders fully compliant. Every loan is traceable from disbursement to repayment with member-level accountability.
Disburse to group wallets, track approvals, and maintain immutable audit trails for every transaction.
Bank-grade views of PAR, cohort performance, and collections, built for lenders and regulators.
Automated reminders and exception flags reduce delinquency and keep NPLs below 2%.
Compliance-ready data exports, KYC support, and secure APIs for banks, Micro Lenders, and impact lenders.
Operational excellence that scales trust.
Chomoka streamlines how savings groups operate and how lenders monitor them. Every action is captured, auditable, and ready for the next funding partner.
Our DCE model brings last-mile execution to life: young entrepreneurs in farming communities with strong business acumen who boost digital and financial literacy, sell phones, airtime, data, and mobile money, and train peers on new digital toolsincluding digital credit to groups and community banks.
By driving adoption of digital financial services, DCEs raise digital literacy, unlock credit uptake, improve farm management, open access to markets and energy, and ultimately lift rural incomes.
Audit-ready by default
Immutable meeting logs, receipts, and approvals keep treasurers honest and donors confident.
Everyone participates
Voice prompts, multi-language support, and low-bandwidth modes keep women, youth, and remote members fully engaged.
Data lenders trust
Clean, exportable ledgers and portfolio views make it simple for banks and Micro Lenders to deploy credit with confidence.
Alerts that prevent loss
Exception flags, repayment reminders, and role-based permissions keep funds secure and NPLs low.
Meetings in minutes
Guided flows, auto-calculations, and one-tap receipts cut meeting time while increasing accuracy.
Ready for the next funder
Standardized data, verified histories, and transparent audit trails position groups to access larger capital pools.
Take the Next Step: Digitize and Empower Your Savings Group Today
With our risk-free trial, set up your group profile, run a mock meeting, and explore features at your pace. Our team provides white-glove guidance to ensure success.
Schedule a Demo