Your group's money, managed with confidence
Mkutano digitizes every savings meeting — contributions, loans, repayments, and reports — even without internet. Built for women's village savings groups across Africa.
TOTAL CONTRIBUTIONS TODAY
KES 14,200
Mary Achieng
Contribution recorded
KES 500
ConfirmedAlice Njeri
Contribution recorded
KES 700
ConfirmedChristine Mwangi
Contribution recorded
KES 400
PendingKES 8,000
Loans Out
KES 5,500
Repaid
16/18
Attendance
Everything your group needs
From first contribution to final report — Mkutano covers the entire savings group lifecycle.
Meeting Session Manager
Open a session, record attendance, track every shilling contributed per member in real time.
Offline-First Capture
No internet? No problem. Capture all data offline and sync automatically when connectivity returns.
Member Savings Wallets
Each member has a live wallet showing their savings total and outstanding loans.
Loan Issuance & Tracking
Record loan disbursements, terms, and purposes. Track repayments session by session.
Dispute Prevention Screen
A confirmation screen shows totals per member before finalizing — reducing errors and disputes.
Auto Financial Reports
Generate meeting summaries, monthly statements, and cycle-end reports automatically. Download as PDF.
Downloadable PDFs
Share meeting minutes and reports with members, NGO partners, or MFI lenders in one click.
Analytics Dashboard
Visual charts of savings trends, loan repayment rates, and fund growth over time.
Member Registry
Full member directory with photos, national IDs, contact details, and contribution history.
Sync Status Indicator
Always know your data state — synced, pending, or offline — with a visible colored badge.
Notifications & Alerts
Get alerts for overdue loans, upcoming meetings, completed syncs, and new reports.
Audit Trail Logs
Every action is logged with timestamp, actor, and details. Full accountability, zero disputes.
How a Mkutano meeting works
Six simple steps that transform chaotic paper records into a clean digital trail — even in the village.
Open the Meeting Session
The Secretary opens a new session, sets the date, venue, and records who is present. Works offline from the start.
💡 Attendance is captured first — ensuring accurate per-session records even if someone joins late.
Record Contributions
Go through each member one by one. Enter their share count, and Mkutano instantly calculates the shilling amount.
💡 Social fund contributions, fines, and other fund types are all captured separately for clean accounting.
Issue Loans & Log Repayments
Record any loan disbursements with interest rate and purpose. Then log repayments from previous loans.
💡 Loan balances update instantly. Overdue loans are flagged automatically at the start of the next session.
Confirm with the Dispute Screen
Before closing, a full summary screen shows every entry. The group can verify all numbers before signing off.
💡 This single screen has eliminated disputes in 95% of groups using Mkutano. Trust built in real time.
Close & Generate Report
Close the meeting session and Mkutano auto-generates the meeting report, ready to download as a PDF.
💡 Reports include attendance, contributions by member, loans issued, repayments, and running fund balance.
Sync When Online
When internet is available, all offline data syncs automatically to the cloud. A green badge confirms sync.
💡 NGO partners and MFI lenders can view real-time dashboards once data is synced.
Built for the people who run the group
Secretaries
- ✓Run meetings 3x faster
- ✓No manual calculations
- ✓Instant PDF reports
- ✓Offline always works
- ✓Dispute prevention screen
- ✓Audit-proof records
Group Members
- ✓Check my wallet anytime
- ✓See my loan balance
- ✓Review my savings history
- ✓Receive meeting reminders
- ✓Track my loan schedule
- ✓Trust the final numbers
NGOs & MFIs
- ✓Dashboard across all groups
- ✓Exportable data reports
- ✓Loan disbursement tracking
- ✓Group performance analytics
- ✓Faster credit assessments
- ✓Verified financial records
Trusted by groups across Africa
From rural village halls to NGO program offices — here's what real users say.
"Before Mkutano, I spent two hours after every meeting doing calculations on paper. Now I close the session and the report is ready in seconds. My members trust the numbers more than ever."
Grace Wanjiku
Group Secretary · Kangemi, Nairobi
"I can check my wallet balance any time. I know exactly how much I have saved, how much my loan is, and when I need to repay. No more waiting to ask the secretary."
Fatuma Hassan
Group Member · Mombasa, Kenya
"We deployed Mkutano across 45 groups in 3 districts. The reporting dashboard saves our field officers dozens of hours per month. The offline capability is a game-changer for rural areas."
Dr. Amina Osei
Program Officer · CARE Ghana, Accra
"The confirmation screen before we close the meeting has stopped all our arguments. Everyone sees the same numbers and approves them together. There is peace in our group now."
Mary Achieng
Group Member & Treasurer · Kisumu, Kenya
"The PDF reports are exactly what we need for loan assessments. Groups using Mkutano get faster loan approvals because their records are clean, consistent, and verifiable."
John Kamau
MFI Field Officer · Equity Foundation, Kenya
"Even our less educated members can use it. The screen is simple — big buttons, their photo, their amount. No confusion. Our meetings now finish in half the time."
Beatrice Otieno
Group Chair · Eldoret, Kenya
1,200+
Groups Active
21,000+
Members
KES 85M+
Savings Tracked
98%
Secretary Satisfaction
Common questions
Everything you need to know before getting started.
Ready to transform your group meetings?
Join 1,200+ savings groups already using Mkutano. Free to start, simple to use, trusted to scale.
No credit card required · Works offline · Cancel anytime