Trusted by 500+ Groups

The Smartest Way to manage your Kikoba.

Stop using notebooks. Digitize your group savings, automate reports, and track every shilling with complete transparency. Secure. Simple. Modern.

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Free 14-Day Trial
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Total Savings

TZS 45.2M

Powerful Tools for Your Group

Vikoba includes everything you need to manage shares, payments, and members efficiently.

Member Management

  • ✓ Digital Profiles & KYC Verification
  • ✓ Role Assignments (Chairman, Treasurer)
  • ✓ Meeting Attendance & Minutes
  • ✓ Exit & Withdrawal Processing

Contributions & Savings

  • ✓ Shares, Social Fund & Emergency Fund
  • ✓ Mobile Money Integration
  • ✓ Auto-Penalty for Late Payments
  • ✓ Welfare Claims Management

Smart Loan System

  • ✓ Digital Application & Approval Workflow
  • ✓ Guarantor Management & Limits
  • ✓ Auto-Interest & Schedule Calculation
  • ✓ Defaulter Tracking & Penalties

Financial Intelligence

  • ✓ Auto-Mgawanyo (Share-out) Engine
  • ✓ Balance Sheet & Income Statements
  • ✓ Expense & Cash Flow Tracking
  • ✓ Individual Member Statements (PDF)

Notifications & Alerts

  • ✓ SMS Reminders for Payments
  • ✓ Meeting Schedules & Reminders
  • ✓ Targeted Messages for Defaulters
  • ✓ In-App Announcements

Enterprise Security

  • ✓ Role-Based Access Control
  • ✓ Bank-Grade Encryption
  • ✓ Comprehensive Audit Logs
  • ✓ Document Storage & Backups

Get Started in 3 Simple Steps

Launch your digital VIKOBA in minutes. No technical skills required.

1

Create Your Portal

Register your group and get your own dedicated secure address (e.g., mygroup.yemco.or.tz).

2

Add Your Members

Invite members and assign roles like Chairman, Secretary, or Treasurer.

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3

Start Automating

Record contributions, approve loans, and let the system handle the math and reports automatically.

Start Your Free Trial

Simple, Transparent Pricing

Start with a 14-Day Free Trial. No credit card required. Cancel anytime.

Starter

15,000 TZS/mo
  • Basic reports
  • Track shares & loans
  • Member management
  • Digital profiles & KYC
Choose Starter
Most Popular

Professional

30,000 TZS/mo
  • Advanced reports
  • PDF statements
  • Member portal access
  • SMS reminders & alerts

See all 6 features

Get Started

Enterprise

50,000 TZS/mo
  • Advanced reports
  • SMS reminders & alerts
  • Email notifications
  • Priority support

See all 7 features

Choose Enterprise
Compare plans and see what's included

Ready to upgrade your Vikoba?

Join 500+ groups managing their funds securely. Start your 14-day free trial today.

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