KIKOBA Smart

About KIKOBA Smart

KIKOBA Smart helps savings and lending groups (vikoba) run clear, trusted records, from contributions and loans to meetings and reports, all in one place.

Built for chairpersons, treasurers, secretaries, and members in Tanzania, KIKOBA Smart replaces scattered notebooks and spreadsheets with one secure app the whole group can rely on. Available in English and Kiswahili.

WHAT YOU CAN DO

Savings and contributions
- Record member contributions and track running balances
- See who has paid and who is still pending before each meeting
- Keep an accurate, shared savings history

Loans and repayments
- Apply for loans and track approvals
- Record repayments and monitor outstanding balances and arrears
- Add guarantors and keep a clear loan history

Meetings
- Schedule meetings and share the agenda
- Track attendance and keep minutes in one place

Members and roles
- Manage members and assign roles such as chairperson, treasurer, and secretary
- Role-based permissions so each leader sees what they need

Reports and transparency
- View group reports and member statements
- Give every member confidence that the records are correct

Stay informed
- In-app and push notifications for payments, loan updates, and meeting reminders
- Group announcements that reach everyone

Secure and simple
- Quick, secure sign-in with a personal PIN
- Your group data is protected and only visible to authorised members and leaders

KIKOBA Smart is made for the real rhythm of a kikoba: members pay, leaders verify, loans are discussed, minutes are kept, and reports are ready before the meeting starts.

Start managing your group with records everyone can trust.