No more lost notebooks.
e-Mali keeps the savings, shares, loans and books of Rwandan cooperatives and savings groups (Ibimina) in one place. Every payment has its proof, every approval takes two people, and every member can check their own balance.
No card needed. English and Kinyarwanda.
Real e-Mali screens, from a demo cooperative.
Members, shares, loans and books in one simple place. Your RCA reports and deadlines are taken care of along the way.
For example: farmers, moto-taxi drivers, artisans and tailors, traders, transport and housing cooperatives, and savings and credit cooperatives (SACCOs).
For any savings group, registered or not. Save at your own pace, manage the social fund and loans, and prepare the year-end share-out in minutes.
For example: students, colleagues at work, neighbors and homeowners in an estate, church and alumni groups, women's and youth groups, family and friends.
Members sign in with their phone number and a PIN. They see their savings, shares, loans and dividends, and can send a payment with a photo of the receipt.
e-Mali turns every contribution, loan and expense into a verified record. The books build themselves from those records, so the reports are ready when you need them.
One platform for cooperatives and savings groups (Ibimina). Each group only sees the tools that fit it.
Record members, savings, shares and payments. Every payment carries its proof, such as a deposit slip or a MoMo message, and is checked by an officer before it counts.
Take loans from application to approval, disbursement and repayment. Schedules, interest and arrears are tracked for you.
Your books fill in by themselves as you record payments. When a report is due, it is ready, and e-Mali reminds you before any deadline. No accountant needed.
Yes, for 60 days. No card and no hidden fees, and nothing is charged automatically when the trial ends. You can export your data at any time.
No. e-Mali works for any group that saves, lends or shares a profit, in Kigali or anywhere else in the country. Ibimina of students, colleagues at work, neighbors and church or alumni groups can use it, and so can cooperatives of drivers, artisans, traders and farmers. Members only need a phone to check their balance.
No. Officers can record everything. Members with a phone can sign in to check their balance, using a PIN or a one-time code.
No. Any cooperative or savings group can start right away. If you register later, your records will already be in order.
Yes. You choose your type when you sign up, and e-Mali shows the rules, words and tools that fit it.
Sign up and choose cooperative or ikimina. Answer a few yes/no questions and e-Mali sets your first rules for you. It takes five steps, and you do not need any registration papers to start.
Add members one by one, or upload our Excel template with your members, shares, savings and loans. Errors are shown row by row before anything is saved.
Officers and staff get their sign-in details by email, and members can sign in by phone. Give each person a role that fits their job.
Record payments with their proof and have a second person approve them. The books, statements and member balances update by themselves.
The person who records a payment cannot approve it.
Every action is logged, and the log cannot be edited.
Receipts and documents are stored safely and stay findable.
The app is in English and Kinyarwanda, and reports can also be exported in French.
Members, auditors and regulators need to believe your records. e-Mali was designed around that from the first line of code.
Every group can try e-Mali free. If you like it, contact us to continue.
No card and no hidden fees. Nothing is charged when the trial ends: if you want to continue, you contact us.
Set up your cooperative or savings group (ikimina) today. We will help you import your records and get your team started.