Digitize Your VSLA Today — Build Trust, Grow Wealth.
Chomoka is the leading digital solution for village saving groups — track every transaction, meeting and decision with offline support and mobile-first simplicity.
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Digitizing Your Village Savings Group
Chomoka isn't just an app — it's an ecosystem for informal financial groups. Replace paper books with a unified, secure hub accessible via web or mobile. Whether your group has 10 or 100 members, Chomoka scales and works offline.
Chomoka Mobile for Added Accessibility
Capture attendance, contributions, loans, and repayments on any smartphone. Members can fully participate regardless of literacy or connectivity. Built mobile-first for real community impact.
Member Contributions
Track contributions, fines, loans and social funds in real-time with automated calculations.
Group Meetings
Log attendance with QR or biometric check-ins and keep accurate minutes and agendas.
Member Profiles
Generate instant PDF reports for audits, with visual charts on savings trends and fund health.
Mobile Money
Seamless linking to mobile wallets (M-Pesa, Airtel Money) for digital contributions and payouts.
Predictive Insights
Forecast cash flow, flag at-risk loans, and suggest optimal share prices based on history.
Automatic Reminders
SMS/WhatsApp reminders for dues, meetings, or birthdays—boosting engagement with minimal effort.
Say Goodbye to the Hidden Struggles of Paper-based Management.
Village Savings and Loan Associations have empowered millions, fostering self-reliance in rural and urban communities. Yet handwritten ledgers, manual calculations, and physical cash boxes create costly barriers. Chomoka replaces these challenges with reliable digital trails, transparency, and inclusive access for every member.
Error-Prone & Time-Intensive Processes
Recording attendance, contributions, loans, and repayments by hand leads to frequent mistakes—miscalculated interest, overlooked dues, and reconciliation errors. These issues erode trust and can consume up to 50% of meeting time.
Vulnerability to Loss & Fraud
Lost notebooks, theft, or disagreements over "who said what" can dissolve groups overnight. Studies show up to 25% of VSLAs collapse due to accountability failures.
Limited Scalability & Inclusion
Manual systems exclude remote members and younger generations. Groups struggle to generate reports needed for financing, blocking access to microfinance, grants, and partnerships.
Enhanced Accountability & Trust
Digital audit trails eliminate disputes and reduce fraud. After adoption, 98% of groups report zero disputes while safely managing larger funds—growing from about $500 to $2,000 per cycle.
Inclusive Participation for All
Voice-assisted input and multi-language support engage women, youth, and low-literacy members—key demographics in over 70% of VSLAs. Remote access increases attendance by up to 40%.
Accelerated Growth & Economic Empowerment
Access to clean, structured data unlocks external capital. Over 60% of Chomoka groups secure loans or grants within their first year, fueling education, small businesses, and long-term poverty reduction.
Take the Next Step: Digitize and Empower Your Savings Group Today
With our risk-free trial, set up your group profile, run a mock meeting, and explore features at your pace. Our team provides white-glove guidance to ensure success.
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