Solutions · VICOBA & Savings Groups
Ustawi for VICOBA and savings groups.
- Network
- 48 groups · 1,440 members
- Fund ledger
- Shares, social fund & fines
- Cycle end
- System-generated share-out
- Cash / availableTSh 27.6M
- Loans outTSh 35.4M
- Social fundTSh 11.2M
- Cycle management
- Fund ledger
- Meeting register
- Network dashboard
- Share-out
Why Ustawi fits a VICOBA network
- Cycle management from open to close and share-out
- A real fund ledger — shares, social fund, and fines tracked separately
- A meeting register for attendance and minutes
- Formal share-out calculation, proportional to accumulated shares
- Field officers can manage many groups from an offline-first worklist
- Built for coordinators and federations, not a single consumer group
Real savings groups, one coordination platform
VICOBA and VSLA groups meet, save and lend the way they always have — Ustawi is the record-keeping and oversight layer behind the coordinators who support them.
The complete VICOBA cycle
Follow one group's cycle as the coordinator sees it — from opening the cycle to the share-out at close.
Tap a stage to stop on it. Hover pauses the animation.
What coordinators can see and do
One platform for the whole network — from the coordinator's view across every group down to a single member's record.
One view across your entire network
The network dashboard puts every group on one screen, so you never chase status group by group.
- Total groups, active cycles and members at a glance
- Total savings, outstanding group loans and social funds
- Overdue loans surfaced across the network
- Groups needing attention flagged for follow-up
- Drill down from network → group → member → transaction
Group management
Everything about one group in a single record — its profile, people, money and meetings.
- Group profile, members and leadership
- The active cycle, contributions, loans and repayments
- Fines and the social fund tracked separately
- A meeting register with attendance and minutes
- The fund ledger and the cycle-end share-out
Member management
Every member's VICOBA activity in one place, across the whole cycle.
- Contributions, shares and social-fund payments
- Loans taken from the fund and their repayments
- Fines and attendance history
- A running member transaction history
- Their projected share-out at cycle end
Field operations
An offline-first worklist so field officers keep working where connectivity fails.
- See the groups assigned to you
- Record meetings, contributions and repayments
- Capture fines and social-fund payments
- Work fully offline in the field
- Sync back to the network when you reconnect
Reporting & oversight
The reports coordinators, NGOs and federations need, generated from the live records.
- Group performance, savings and fund balances
- Loans, repayment and overdue tracking
- Social fund, fines and attendance
- Field-officer activity across groups
- Cycle performance and share-out results
Who Ustawi is for
Built for VICOBA networks, not individual members.
Administer many groups from one place — cycles, funds, loans and share-outs across the whole portfolio.
Run and report on savings-group programmes with centralized records and consistent oversight across sites.
See every affiliated group on one platform, with a network view that rolls up savings, loans and fund balances.
Work an offline-first list of assigned groups — record meetings, contributions and repayments, and sync later.
Try the share-out yourself
Umoja Women's Cycle 3 closed with TSh 14.1M to distribute. Change the interest, fines, deductions or Asha's shares and watch each member's payout recalculate.
| Member | Shares | Share % | Payout |
|---|---|---|---|
| Asha M. | 460,000 | 3.71% | TSh 523,065 |
| Neema K. | 380,000 | 3.06% | TSh 432,097 |
| Zainabu A. | 520,000 | 4.19% | TSh 591,290 |
Payout in proportion to shares; other members' shares held as recorded. Share-out rules and deductions are configured per group.
VICOBA vs. group lending
Coordinators evaluating tools often confuse the two, but they are different products. A VICOBA is a member-owned savings circle: members pool their own savings and lend to each other, with its own fund ledger, cycles, and share-outs. Group lending is your institution lending money to a formal group under joint liability. Ustawi supports both, in apps built for each — this solution is for the VICOBA/VSLA network coordinator.
Why organizations move from spreadsheets
Drag the slider: a coordinator's network kept as one sheet per group versus kept in Ustawi.
| Umoja Women | Mtg #18 | 8.4M? | by SMS |
| Sheet 2 | paper register | #REF! | — |
| Sheet 3 | — | fines? | not sent |
| Sheet 48 | ? | — | ask chair |
VICOBA vs. group lending
Coordinators evaluating tools often confuse the two, but they are different products. This is how they differ.
Ustawi supports both models; this solution is designed for VICOBA/VSLA network coordination. See how this differs from Group Lending.
Customer story
Member contributions, loans and repayments in one centralized system
Read the full story →“The biggest improvement for us is having our loan portfolio and repayments organized in one place. It makes daily follow-up much easier.”
Apps this solution enables
Related solutions
See VICOBA methodology modeled correctly.
Book a tailored walk-through and we'll show you the workflow end to end.
Frequently asked questions
It is coordination software for the organizations that run VICOBA/VSLA groups — coordinators, NGOs and donor programmes, networks and federations, and their field officers — not a consumer app for a single member.