Nichomez

Nichomez — Growing together

Nichomez is the mobile home for members and officials of help groups, GROUP/SACCOs, and cooperatives worldwide. Sign in to your organisation’s workspace and manage savings, loans, payments, and day-to-day group finance in one secure place — wherever your members are.

FOR MEMBERS
• See balances, loans, e-wallet, and what is recoverable today at a glance
• Contribute to share capital, monthly savings, risk/welfare funds, and related pots
• Apply for loans with guarantors, track schedules, and repay via wallet or mobile money
• Top up, transfer, pay for yourself or another member, withdraw, and review history
• Set savings goals, a self monthly pledge, and family standing orders
• Download statements; check dividend outlook or cycle share-out
• Submit expense claims and exit requests when your organisation allows them
• Get notices, reminders, and push updates; lock the app with biometrics
• Switch organisations and manage your profile — contacts, next of kin, and more

FOR OFFICIALS & ADMINISTRATORS
• Member register, onboarding, approvals, and role-based access
• Post deposits, withdrawals, contribution transfers, and treasury moves
• Run the loan book: products, issue/disburse, arrears, refunds, and quorum workflows
• Manage dividends or cycle share-out, welfare, investments, and assets
• Drive debt collection, referrals/incentives, and communications (SMS, email, push, letters)
• Open reports: balance sheet, income statement, cash flow, trial balance, GL, and exports
• Configure accounts, contribution & fine types, loan products, policies, and audit history

BUILT FOR REAL GROUP FINANCE
Nichomez powers the financial life of member-based organisations: ledgers, contributions, loan lifecycle, fines, dividends, share-out cycles, debt programmes, and referral incentives — each GROUP/SACCO keeps its own policies and records. Smart allocation helps inbound deposits and wallet sweeps land on the right loans, invoices, and standing plans.

PAYMENTS & SECURITY
• Encrypted connections to Nichomez servers
• Organisation-specific payment references for clean reconciliation
• App lock and biometric options on supported devices
• Privacy policy and terms linked in the app
• Account deletion for unpaid demo/trial logins via nichomez.com/account-deletion (live members are managed by their GROUP/SACCO officials)

IMPORTANT
Nichomez is a technology platform used by GROUP/SACCOs and similar organisations. It is not a bank, does not provide personal loans directly, and does not hold your money outside your organisation’s configured accounts and policies. Lending, savings rules, and membership are governed by your GROUP/SACCO.

GET STARTED
You need an account from your GROUP/SACCO or organisation administrator. Existing web users can sign in with the same credentials at api.nichomez.com.

Support & policies: nichomez.com
Privacy: nichomez.com/privacy-policy
Terms: nichomez.com/terms-of-service