Guided meeting
Co-validated opening, roll call, fines, social fund, shares, loans and cash box: every step in order, with big buttons.
Village savings and loans
Save together, grow together.
Akiba replaces paper passbooks without changing your rules: shares, loans, social fund, fines and share-out are calculated automatically, meeting after meeting — even without network.
- Full meeting offline
- Français · English · Kiswahili
- Three-key shared control
Everything sent to the server
Meeting saved offline
Designed with and for AVECs: their rules, their meetings and their languages, on a simple phone, even without network.
9
meeting steps, in order
3
Mobile Money networks
3
languages from day one
100 %
of the meeting without connection
Features
Everything an AVEC does, in one tool
Akiba faithfully mirrors the meeting, the passbook and the cash box. The group keeps control of its rules; the tool applies them without mistakes.
Savings by shares
1 to 5 shares per member and meeting, double count, cumulative savings updated at once.
Loans without calculation errors
Ceiling, interest, due date and arrears calculated automatically; a repaid loan closes by itself.
Separate social fund
Contributions and emergency grants tracked apart, never mixed with the loan fund.
Reconciled cash box
The expected balance is compared with the count; any gap is flagged and justified before closing.
End-of-cycle share-out
Share-out in proportion to shares, an individual statement for every member, a new cycle in one step.
Optional Mobile Money
Collections and payouts through DRC aggregators; cash always remains possible.
Dashboards
Savings, outstanding loans, portfolio at risk, attendance: support teams follow the groups in real time.
Financial inclusion
Mature AVECs are identified and, with their consent, introduced to banks and microfinance institutions.
For committees and field agents
Run the meeting, step by step
Akiba follows the meeting order the group already knows, whether members meet in person or on a group call on WhatsApp, Google Meet or Zoom. Remote members pay their share by Mobile Money, and sensitive steps are still approved by several officers.
- One screen per step, big buttons and colour codes
- Online meeting on WhatsApp, Google Meet or Zoom: a “Join” button for every member
- Mobile Money contributions from a distance, cash always possible
How it works
From forming the group to share-out, in four steps
- 1
Set up the AVEC
The field agent registers the group and its constitution, enrols the members and has the committee elected.
- 2
Hold the meeting
On the phone, even without network: attendance, shares, loans and cash box are recorded step by step.
- 3
Synchronise
As soon as the network is back, operations go to the server, which recalculates everything and is authoritative.
- 4
Follow up and share out
Everyone checks their passbook; at the end of the cycle, the share-out is calculated automatically.
For members
My passbook, always with me
Every member sees what is recorded in their name: shares, savings, loans and fines. It is the public reading of the passbook, made digital.
- My savings, meeting after meeting
- The history of every transaction
- Available even offline
For remote members
Pay your share by Mobile Money
A member cannot come, or the meeting is held online? The committee sends them a payment request: shares, social fund, fine or repayment, with amounts calculated from the group's rules. The member confirms on their phone, and the operation only enters the meeting once the operator has confirmed the payment.
- One request per member, amounts calculated automatically
- Airtel Money, Orange Money and M-Pesa
- Paid, pending or settled in cash: every request is tracked
Security and transparency
The group's trust, carried into digital
Three keys, like the cash box
Opening, payout, reconciliation and closing require several separate validations.
Nothing is erased
After closing, any correction is a new transaction, dated and traced.
Protected data
Encrypted database on the phone, PIN and fingerprint, HTTPS exchanges.
Consent first
No data is shared with a financial partner without the group's agreement.
FAQ
Frequently asked questions
Is internet needed to hold a meeting?
No. The meeting runs entirely offline; data is sent automatically as soon as the network is back.
Does the group keep its own rules?
Yes. Share value, interest rate, loan ceiling, contributions and fines are set by each AVEC, for each cycle.
Is Mobile Money mandatory?
No. An AVEC can run entirely in cash; Mobile Money stays optional.
In which languages?
French, English and Kiswahili, on the phone as on the Web.
Who can see an AVEC's data?
Its members and committee, the field agent and the programme team. A financial partner, only with the group's consent.
Ready to digitise your AVEC?
Support teams sign in here. Field agents, committees and members download the mobile app on Android or iPhone.