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Home / Savings groups

Ikimina

Run your savings group with clear records: contributions, loans, rotation and reports, in Kinyarwanda, English or French.

4Contribution cycles: daily to monthly
3Languages: Kinyarwanda, English, French
Try it now

Open it in your browser

No download and no sign up. Start with the demo group to look around, or create your own group in two minutes. Everything you enter stays in your own browser.

  1. Press Open the web app.
  2. Choose Explore with demo data to see a full group, or Create my group to start yours.
  3. In the demo, sign in as any member with the PIN 1234.
  4. Use Reports to save a backup of your data.

Open the web app Android app Windows installer Guide (PDF)

Ikimina logo

Demo group

Twisungane Ikimina, a sample group with 13 members, loans, meetings and months of history, so you can try every screen.

Your own group

Create your group, add members and start recording. PIN sign in for each member, with a lock after too many wrong tries.

See it for yourself

Screen by screen

Real screens from the web app, using the demo group. Click a screenshot to enlarge it.

Ikimina
Group dashboard
Screen 1 of 8

Group dashboard

Cash in hand, total savings, loans out and interest earned, with alerts for overdue loans and members who have not paid.

  • Cash in hand at a glance
  • Six month cash flow chart
  • Collection rate for the current period
Ikimina
Members register
Screen 2 of 8

Members register

Every member with role, phone number, shares, savings, arrears and a reliability score.

  • Search and filter members
  • Savings and arrears per member
  • Reliability score from 0 to 100
Ikimina
Contributions
Screen 3 of 8

Contributions

Record what each member paid this period, by cash or mobile money, and see who is paid, partly paid or late.

  • Paid, partial and unpaid board
  • Cash and MoMo with a reference
  • Receipts for members
Ikimina
Loans
Screen 4 of 8

Loans

Apply, approve, disburse and repay loans with the group's own interest rate, a repayment schedule and late penalties.

  • Flat or declining interest
  • Automatic schedule and balance
  • Overdue loans flagged in red
Ikimina
Analytics
Screen 5 of 8

Analytics

See how savings, income and expenses move month by month, and who your top savers are.

  • Savings, income and expenses by month
  • Top savers ranking
  • Loan portfolio at a glance
Ikimina
Rotation and pot
Screen 6 of 8

Rotation and pot

For groups that take turns receiving the pot, keep the order, record each payout and see who is next.

  • Set the rotation order
  • Record each round's payout
  • Payout history
Ikimina
Income and expenses
Screen 7 of 8

Income and expenses

Record fines, fees, donations and group costs so the cashbook always matches the cash.

  • Income by source
  • Expenses by category
  • Who recorded and approved each entry
Ikimina
Reports and backup
Screen 8 of 8

Reports and backup

Group statements and member statements as PDF, a share-out calculator, Excel exports and a full backup file.

  • Group financial statement (PDF)
  • Member statements (PDF)
  • Backup and restore

Tip: use the left and right arrow keys.

In your pocket

Works on a phone too

On a phone the menu slides in from the side and the cards stack, so a treasurer can record contributions at the meeting.

Dashboard on a phone
Menu on a phone
Member account on a phone
What is inside

Everything a savings group needs

The same features in the browser and in the Windows program.

Members and roles

The President approves and oversees, the Accountant records every payment, and members see only their own savings and loans.

Contributions

Set the amount and cycle (daily, weekly, every two weeks or monthly). Members can hold more than one share.

Loans

Flat or declining interest, a maximum loan based on savings, president approval, an instalment schedule and late penalties after a grace period.

Rotation

For groups that pass the pot around: set the order, record each payout and see whose turn is next.

Requests, meetings, announcements

Members ask for loans or report absences, and the group posts meeting notices, minutes and announcements.

Reports

Group and member statements as PDF, a year-end share-out calculator, and Excel exports for contributions, loans, cashbook and members.

Audit trail

Every sign in, payment, approval and change is logged with who did it and when.

Three languages

Kinyarwanda, English and French, with dark mode for evening meetings.

Your data stays with you

Records are saved on your own device. Nothing is sent to us. Save a backup file regularly.

Web, Windows and Android

Which version suits you

WebWindows
Cost to tryFreeAsk us
Needs installingNoYes
Works without internetKeep the tab open after the first visitYes
Where the records liveThis browserThis computer
Backup and restoreYesYes
PDF and Excel reportsYesYes
Good to know. Records live on one device. If several officers need the same books, use one shared computer, or save a backup and restore it on another device. Ikimina is also available as an Android app. Ask us about the installed apps.
Questions

Good to know

Is my group's data safe?

Your records are saved on your own device only. Members sign in with a PIN, and the app locks after ten minutes of no use. Because nothing is stored online, clearing the browser data would remove your records, so use Reports then Backup all data often and keep the file safe.

Can two people use the same group?

Not at the same time on different devices. Records are kept on one device. To move to another device, save a backup and restore it there.

What is the demo PIN?

In the demo group every member's PIN is 1234. When you create your own group you choose your own PINs.

Does it work with mobile money?

You can record a payment as cash or MoMo with a reference number. The app does not connect to any mobile money account or move money.

Do I need the internet?

You need a connection to open the web app. For a fully offline setup, ask about the Windows or Android app.

Ready when you are

See your group's books in two minutes

Open the demo, look at every screen, then create your own group when you are ready.

Free to try, no sign up

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