Ledger software for SACCOs, MFIs & chamas

Every contribution.
Every loan.
Balanced.

Akiba360 keeps your group's books the way a good treasurer would — accurate, transparent, and reconciled to the last shilling. Whether you're running a registered SACCO, a lending MFI, or a chama of twenty friends.

Get started→ See how it works ↓

M-Pesa native · Double-entry ledger · IFRS 9 provisioning · Multi-branch

Group ledger Today

Member Entry Amount Balance

W. NjorogeCr — Contribution+2,000142,000

A. WanjiruDr — Loan disbursed-15,000127,000

J. OtienoCr — Repayment+3,500130,500

M. ChebetCr — Contribution+2,000132,500

S. KimaniDr — Loan disbursed-8,000124,500

Balanced ✓

Built for three kinds of groups

1000

SACCOs

Registered savings and credit cooperatives that answer to members and regulators alike.

Share capital and dividend tracking
Audit-ready statements, on demand

2000

MFIs

Lending institutions where disbursement and collection are the whole business.

Branch-level books, one dashboard
Repayment schedules that track themselves

3000

Chamas

The merry-go-round, table-banking group that started on a WhatsApp thread.

Simple enough for a volunteer treasurer
Every member sees the same numbers

Everything the back office needs

4000

Savings & deposits

Shares, fixed deposits, and chama rotations, as separate products
Interest crediting on a schedule you set, with withholding tax split off automatically
Standing orders for recurring contributions

4100

Loans

Four interest methods, from flat rate to reducing-balance EMI
Multi-stage approval with maker-checker controls
Auto-disbursement by M-Pesa the moment a loan clears approval

4200

M-Pesa, natively

STK push, C2B paybill, and B2C, wired straight into Safaricom Daraja
Every payment matched to the right loan or savings account automatically

4300

FOSA & tellers

Current accounts, teller sessions, and real-time cash position tracking
Bulk salary processing with loan deductions applied automatically

4400

Ledger & reporting

Every transaction posts a proper journal entry, immutably
Trial balance, P&L, balance sheet, and cash flow, exportable on demand
IFRS 9 provisioning, calculated automatically by arrears bucket

4500

Branches & access

Unlimited branches, each with its own staff and data boundary
Role-based access with a full audit trail on every action

How it works

1
Register your group

SACCO, MFI, or chama — set up in minutes.
2
Add your members

Invite by phone number; they confirm on M-Pesa.
3
Start recording

Contributions, loans, and repayments — balanced automatically.

Talk to us

Questions about pricing, migrating off spreadsheets, or a specific SACCO regulation? We're happy to walk you through it.

5010 Email info@mobikuza.com 5020 Phone +254 745 720 800 5030 WhatsApp +254 745 720 800

5040 Office Contrust House, Moi Avenue, Nairobi

Every contribution.Every loan.Balanced.