The whole product
From a savings book to your group's whole money life
Mizani Wallet starts as the simple, honest record your group keeps today — and grows into a registered SACCO, a welfare pot, and investing back home together. Here is the full picture, in plain language.
Every group
The everyday record — save, borrow, stay clear
Everything a savings group needs to run honestly, working today and tested end to end.
Save together
Put money in at every meeting — a set amount, a little extra, or towards a goal. Buy shares through the cycle and share out fairly at the end. The merry-go-round, kept straight.
One record nothing can be rubbed out of
Every shilling is written down for good, never edited and never deleted. Upload the bank or mobile-money statement and the app checks it against the books — and members agree it is right before anything is closed.
Borrow, and stand for a friend
Members borrow against their own savings, or a friend stands in as guarantor. The guarantee quietly holds that friend's savings as security until the loan is paid back — so a kind gesture never becomes a nasty surprise.
Run accounts for everyone
Officers can keep accounts for members who are not online yet, and everything done on someone's behalf is written down — so no one can be wronged behind their back.
The meeting is the heart of it
Record savings, repayments and fines as they happen, with who showed up and the minutes kept right beside the money — then count the box together before anyone leaves.
A quiet nudge by SMS
A gentle message when a contribution or a loan is due, or a meeting is coming up — so nothing slips, and no one is chased unfairly.
Your group on WhatsApp
When you join a group, you get a friendly hello on WhatsApp. After that, Mizani reminds you when it's your turn to save, when a loan payment is due, or when a meeting is coming — right there in WhatsApp, where you already chat. Don't want the messages? Just say so, and they stop.
Everyone has their own view
Each member sees their own savings, shares, loans and cover. Officers see how the group is doing, who is behind, and exactly where the cash is.
When you register
Become a proper SACCO, without the headache
When a group registers as a cooperative, the stakes rise — and all of it now runs on the same honest record, carrying the same people and history forward.
Real share capital
Member shares that build up over the years, kept as a list of events — so the history is always there to check, never one figure someone can quietly change.
A share of the year's profit
At year-end, work out the surplus and pay each member a dividend on their shares — backed by a real vote, and split fairly to the last shilling.
Set money aside for a rainy year
Build reserves the way the rules ask, and pay a little interest on members' savings — all from the same books everyone already trusts.
Decisions on the record
Motions with a real count and a quorum, so a decision cannot pass against the very vote it claims to reflect — and leaders kept on the record.
A careful loan book
See who is falling behind, set money aside for loans that may not come back, and write one off cleanly when it truly must — the care a supervisor expects.
Statements anyone can read
A plain picture of where the money is and how the year went, plus a clear end-of-year statement for every member — what they saved, what they earned, what they hold.
Looking after each other
A welfare pot for the hardest days
A shared fund the whole group can see, for bereavement, illness or an emergency — only ever drawn down in the open, never quietly drained.
One pot, topped up together
Members chip in small amounts, and any fines flow in too. The balance is always there for everyone to see — this is the group looking after its own.
Cover for life's hard moments
Sign members up for cover — bereavement, last expenses, an emergency — for a small regular payment into the pot.
Claims decided in the open
When something happens, a claim is raised, looked at, and decided by someone other than the person who raised it — never one person's call. And the pot can never pay out more than it actually holds.
Payouts you can follow
Money goes out to the family — or quietly clears a protected loan — with the whole group able to see it happen.
From the diaspora
Invest back home, together
Family and friends spread across London, Boston or Toronto, pooling into deals back home — now a clean, shared record instead of spreadsheets and group chats. As always, we keep the record, never the cash.
One deal at a time
Each opportunity — a plot, a rental, a business — stands on its own. Members choose which deals to join; no one is carried into something they did not pick.
See exactly what you put in
Every contribution is recorded as it is paid, in your own currency, so everyone knows what they put in and the share they hold.
Top-ups, shared fairly
When a deal needs more money, each member's share of the call is worked out for them — no guessing, and no one quietly carrying the rest.
What it's worth, on the record
Valuations are logged over the life of the deal, so its worth is never just a rumour in a WhatsApp thread.
A fair split at the end
When a deal pays out, the money comes back in a clear order — first everyone's capital, then the agreed return and the organiser's share — with nothing left to argument.
On the way
Still to come
More that builds on the same honest record, arriving under you as your group grows — same members, same history.
Insurance from a partner
Beyond the group's own welfare pot: cover underwritten by an insurer — for life, loan protection and emergencies — with premiums and claims handled just as openly.
A safe for documents
Constitution, bylaws, loan agreements, IDs and signed minutes — kept in order, and shown only to the right people.
Money lessons
Short, local lessons on saving, borrowing, cover and investing — over app, SMS or USSD — meeting every member where they already are.
Email updates
Email summaries to reassure family abroad and keep officers in the loop — alongside the WhatsApp and SMS nudges members already get.
Groups of groups
Linking many groups together — for networks, unions and federations.
Start with what fits you today
You do not wait for anything. Run your group today, turn on what you need as you need it, and the rest grows under you — same group, same history.