kikaba.app · VICOBA / SACCOS
Group savings,
in the open.
Kikaba is a modern digital chama for groups that save together. Contributions, loans, meetings, and member records, all in one transparent ledger every member can trust.
100%
Open ledger
TZS
Local currency
7
Mobile money + bank rails
Mama Lishe Chama · Apr cycle
TSh 4,820,000
pooled this month · 24 of 28 paid
Asha N.
Paid · 14 Apr
Frank M.
Paid · 13 Apr
Joyce K.
Pending
Hassan B.
Loan · repayment 3/6
Neema P.
Paid · 11 Apr
Open ledger · viewable by all 28 members
The problem
Trust is the bottleneck. Not the saving.
Across Tanzania and East Africa, millions of people save together in chamas, VICOBAs, and SACCOs. Notebooks track contributions. WhatsApp groups confirm payments. The treasurer's memory is the source of truth, and groups break apart when the records and the trust diverge.
Kikaba puts every contribution, loan, and disbursement in one place every member can see, on their phone, in their language. The treasurer keeps the books. The group keeps the trust.
What's inside
Built for the way chamas actually run. Not a watered-down banking app.
01
Member register
Every member, contact details, role, and balance, in one organised place.
02
Contributions
Schedule weekly or monthly contributions. Track who has paid, who is late, and who is owed back.
03
Loans & repayments
Member loan applications, group approvals, repayment schedules, interest tracked automatically.
04
Mobile money in/out
Pay contributions and receive disbursements via TigoPesa, M-Pesa, Airtel Money, Halopesa, and bank transfer, powered by Malipopay.
05
Open ledger
Every transaction visible to every member. No more `did you receive my contribution?` arguments.
06
Group meetings
Minutes, votes, and decisions captured against the group record, accessible from any phone.
Who it's for
Every group that saves together.
VICOBAs
Village community banks running rotating savings and credit, fully digital, fully transparent.
Workplace chamas
Office groups saving together, getting structure without the spreadsheet maintenance.
SACCOs
Larger savings and credit cooperatives needing reporting-grade member and loan management.
Family savings circles
Families pooling money for school fees, weddings, or land, in a place every member can trust.