Everything your group's money needs, in one place.
One platform for cooperatives and savings groups (Ibimina). Each group only sees the tools that fit it.
Members and savings
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.
- Member register. Members, national IDs, automatic membership numbers, status history and exports.
- Payments with proof. Attach a bank slip or MoMo message to every payment. A second person verifies it.
- Savings and contributions. Monthly contributions, or savings daily, weekly or every two weeks. Track who is behind.
Loans
Take loans from application to approval, disbursement and repayment. Schedules, interest and arrears are tracked for you.
- Loans. Eligibility, approval, disbursement, schedules, interest, arrears, reversals and guarantors.
- Member portal. Members check their savings, loans and dividends, and submit payments with proof.
- Notifications. In-app and email alerts for approvals, deadlines and reminders.
Books and compliance
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.
- Accounting. A double-entry ledger, cash and bank books, reconciliation, assets, borrowings and period closing.
- Financial statements. Statements compared with last year, quarterly reports and the annual RCA pack.
- RCA compliance page. Every obligation, its deadline and what to fix, most urgent first.
All features
Member register
Members, national IDs, automatic membership numbers, status history and exports.
Payments with proof
Attach a bank slip or MoMo message to every payment. A second person verifies it.
Savings and contributions
Monthly contributions, or savings daily, weekly or every two weeks. Track who is behind.
Share capital
Subscriptions, payments in money or in kind, transfers, caps and numbered PDF receipts.
Loans
Eligibility, approval, disbursement, schedules, interest, arrears, reversals and guarantors.
Accounting
A double-entry ledger, cash and bank books, reconciliation, assets, borrowings and period closing.
Financial statements
Statements compared with last year, quarterly reports and the annual RCA pack.
Year end
Art. 97 surplus distribution, dividend payouts, and the savings group (Ibimina) profit share-out.
RCA compliance page
Every obligation, its deadline and what to fix, most urgent first.
Governance
Meetings, signed minutes, quorum, officers and numbered decisions.
Member portal
Members check their savings, loans and dividends, and submit payments with proof.
Phone + PIN sign-in
Members sign in with a phone number and PIN, or a one-time code by email. Codes by SMS are coming soon.
Reports and exports
PDF and Excel, in English, Kinyarwanda or French.
Notifications
In-app and email alerts for approvals, deadlines and reminders.
Roles and permissions
Edit roles for your own group. Staff only see what their job requires.
Data import
A bilingual Excel template, checked row by row and approved by a second person.
Documents
Store receipts, minutes and papers, with preview and download, kept for 10 years.
Two languages
The app works in English and Kinyarwanda.
Works on any device
e-Mali runs in the browser on a phone, tablet or computer. There is nothing to install.
SMS alertsComing soon
Payment confirmations, loan reminders and meeting notices by SMS, for members without email.
USSD accessComing soon
Members check their savings and loans from any phone by dialing a short code. No internet needed.
We are building in the open. Next on the list: mobile money and bank integrations, WhatsApp alerts, and a mobile app. Our users help decide the order.
See it with your own group's data.Ready to see your group's money clearly?
Set up your cooperative or savings group (ikimina) today. We will help you import your records and get your team started.