Made for group leaders in Tanzania

Run your kikoba with records everyone can trust.

Replace scattered notebooks and late-night spreadsheet fixes with one simple place for contributions, loans, meetings, and member balances.

Wezeshi Fund
For chairpersons For treasurers English and Kiswahili ready
Saturday meeting Umoja Kikoba
Dar es Salaam
Today to confirm 23 member payments Secretary and treasurer see the same list before the meeting starts.
Member Purpose Amount
Mama Asha Contribution TZS 50,000
Juma K. Loan repayment TZS 120,000
Neema S. Welfare TZS 10,000
Next action

Send unpaid members a reminder before 4:00 PM.

Chairperson See group position before decisions are made
Treasurer Record collections without rebuilding spreadsheets
Secretary Keep minutes, attendance, and member records together
Members Know balances, loan status, and meeting updates
Built around the meeting table

Less argument. Less guessing. Cleaner records.

Kikoba Smart follows the actual rhythm of a kikoba: members pay, leaders verify, loans are discussed, minutes are kept, and reports are shared.

Live savings and contribution balances
Loan requests, voting, repayment, and arrears
Meeting schedules, attendance, and minutes
Reports that are ready before the meeting starts
This week's collections TZS 2,640,000
Fatuma N. Paid TZS 50,000
Juma K. Loan due TZS 180,000
Amina S. Welfare TZS 20,000
What the system handles

Practical tools, not decoration.

Every feature exists because a group leader, treasurer, or secretary needs it during normal kikoba work.

Contributions

Track deposits, fines, welfare payments, and registration fees with automatic member balances.

Loans

Move requests through approval, disbursement, repayment, penalties, and overdue follow-up.

Meetings

Schedule sessions, record attendance, manage quorum, and keep group decisions visible.

Reports

Give leaders clean summaries for collections, arrears, members, savings goals, and loan health.

Simple rollout

Launch your group without slowing down operations.

01

Create your organization

Choose a plan, add your organization name, and create the first admin account.

02

Set up your kikoba

Add members, rules, loan products, meeting days, and savings targets.

03

Run with live records

Collect, approve, repay, export, and review group performance from any device.

Transparent pricing

Choose a plan that matches your group size.

Start with a free plan or trial Pro. You can upgrade as your organization grows.

Starter
TZS 10,000
/month

For small groups moving away from notebooks.

  • 1 Kikoba
  • Up to 50 members
  • Contributions and loans
  • Meetings and attendance
  • Advanced reports
  • Training center
Most popular
Pro
TZS 15,000
/month

For active groups that need reports, goals, and offline work.

  • 1 Kikoba
  • Up to 150 members
  • Savings goals
  • Advanced reports
  • Offline sync
  • Training center
Business
TZS 30,000
/month

For growing organizations running several vikoba.

  • Up to 5 Vikoba
  • Up to 500 members each
  • Impact tracking
  • Advanced reports
  • Offline sync
  • Training center
Enterprise
TZS 45,000
/month

For organizations managing many groups and branches.

  • Up to 10 Vikoba
  • Unlimited members
  • Impact tracking
  • Priority support
  • Custom branding
  • Dedicated onboarding
Member activation

A small member contribution keeps every account active.

Alongside the group's plan, each active member contributes a small monthly amount that keeps their personal account, reminders, and records running.

TZS 1,000 / month

One simple amount per member.

Every active member pays the same small monthly contribution - no hidden charges, no surprises for the group.

Mobile money

Members pay directly from their phone.

A payment prompt arrives on the member's phone via mobile money. No cash handling, and the record updates automatically.

Reminders, not lockouts

Members are reminded - never blocked from their group.

If a member has not paid yet, they simply receive friendly in-app and push reminders. Their savings, loans, and records stay fully accessible.

Kikoba Smart Wezeshi

Learn. Qualify. Get empowered. Grow.

An empowerment academy inside Kikoba Smart for women and small entrepreneurs. Learn business skills, earn certificates, and qualify for real empowerment — cash capital or raw-material support to grow your business. You do not need to belong to a kikoba to join.

Smart Learning Academy

Step-by-step business courses.

Branding, packaging, pricing, digital marketing, customer care, financial management and more, through video and reading lessons with a quiz after each one.

Certification

Earn a digital certificate and business score.

Pass the final exam to receive a digital certificate, a business competency score, and a Smart Entrepreneur ranking.

Empowerment Fund

Qualify for capital or raw materials.

Top learners can apply to the Wezeshi Fund for cash capital or raw-material support — packaging, labels, small machines, equipment — to grow production and reach bigger markets.

Open to everyone

Join Wezeshi even without a kikoba.

Any entrepreneur can sign up with just a name, phone number and PIN, and start learning right away. Existing members reach it from inside the app.

Join Wezeshi

The daily reality

Designed for the moments where records usually get messy.

Before the meeting

Know who has paid and who still needs a reminder.

Open the group list, check contributions, and send follow-up before members arrive.

At the table

Approve loans with the numbers in front of everyone.

Review member balance, repayment history, and committee decisions without searching through papers.

After collections

Close the day with a report your leaders can read.

Share a clean summary of collections, welfare, fines, loan repayments, and pending balances.

Collected TZS 2,640,000
Pending 6 members
Loans due 3 this week
Questions

Answers before you start.

Need help choosing a plan or onboarding your group? Call us on +255 694 256 703.

How much does Kikoba Smart cost?

Plans start at TZS 10,000 per month for one kikoba with up to 50 members. Every plan includes a 14-day trial, and yearly billing saves about 17%.

What is the member activation fee?

Each active member contributes a small monthly amount (currently TZS 1,000) paid directly from their phone via mobile money. Members who have not paid receive friendly reminders - they are never locked out of their group.

Can members use it from a phone?

Yes. Members and leaders can access the platform from phones, tablets, and desktop browsers.

Does it support Kiswahili?

The platform is designed for English and Kiswahili workflows so groups can operate comfortably.

Can we export our records?

Yes. Contributions, loan records, members, meetings, and reports can be exported when needed.

How secure is our group data?

Access is role-based, and group financial records are protected in transit and in storage.

Ready when you are

Move your group from scattered records to one trusted system.

Start your organization today, or call +255 694 256 703 and we will help you choose the right plan.

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