Simple books.
Stronger groups.
Kitabu Yetu is the financial operating system for Kenya's community groups. Members save and pay from a wallet on their phone, treasurers run the whole book, and SACCO federations oversee hundreds of branches — with every M-Pesa shilling reconciled automatically.
One platform, every role
From a single chama to a national network.
The same ledger powers the member on their phone, the treasurer at the meeting, the federation managing a hundred branches, and the team keeping the whole platform safe.
For members
A wallet in every pocket
Members get a mobile-first app — savings balance, digital passbook, savings goals, and one-tap M-Pesa contributions. Works offline, syncs when signal returns.
- Digital passbook & receipts
- Savings goals
- Loan balance & repay
For group leaders
Chairperson, treasurer & secretary
Run the whole group from one dashboard — contributions, loans, welfare, shares, and dividends. A "Needs you now" queue surfaces every approval, unrouted receipt, and overdue member.
- Contributions & loans
- M-Pesa reconciliation
- Members & meetings
For SACCOs, NGOs & federations
Portfolios across every branch
Roll up savings, loans, and impact across hundreds of groups. Switch organizations, compare branches, run bulk disbursements, and integrate via API, webhooks, and white-label branding.
- Multi-branch portfolios
- Program impact analytics
- API, webhooks & white-label
For platform & operations teams
A control room for the network
Backoffice queues, risk & fraud heatmaps, KYC review, and live Daraja health with a real-time transaction feed — plus a ⌘K command palette to jump anywhere in seconds.
- Risk & fraud monitoring
- KYC verification queues
- Live Daraja & SMS health
The whole book
From the M-Pesa prompt to the posted journal entry.
Kitabu Yetu carries a payment all the way through — collection, matching, allocation, accounting, and notification — so your treasurer doesn't have to.
STK Push collections
Prompt any member to pay straight from their phone. They enter their M-Pesa PIN, the contribution posts itself, and a receipt goes out.
PayBill & C2B routing
Members pay your PayBill using their member code as the account number — no prefixes to remember. Kitabu Yetu matches the payer and books it — no manual entry.
B2C disbursements
Send approved loans, welfare payouts, and dividends directly to members’ phones. The loan flips to disbursed the moment Safaricom confirms.
Auto-split allocation
One KSh 3,000 contribution, split your way — savings, welfare, loan repayment — across the ledger automatically, down to the last cent.
Self-healing reconciliation
Stuck or silent payments are swept every few minutes, queried against Daraja, and resolved. Unmatched receipts wait in a review queue, never lost.
Double-entry ledger
Every shilling lands as a balanced journal entry. Trial balance, P&L, and balance sheet are always audit-ready — not a spreadsheet afterthought.
Receipts & fee tracking
Members get branded PDF receipts. Safaricom transaction charges are booked to the cent and reconciled nightly against your statement.
SMS & WhatsApp
Confirmations, contribution reminders, and loan-due alerts go out over WhatsApp with SMS fallback. A failed STK nudges the member to PayBill.
Digital constitution
Set your share value, weekly share limit, loan multiplier, interest rate, quorum, and fine schedule once. The rules enforce themselves — and every amendment is versioned.
Cycles & share-out
Run your savings cycle end to end. At close, the share fund plus surplus is shared back in proportion to each member’s savings — calculated and recorded to the cent.
Loans & portfolio risk
Constitution-driven eligibility and interest (flat or reducing balance), auto-generated schedules, and live PAR buckets (PAR30/60/90) so arrears never hide.
Members, shares & dividends
Onboarding, roles, member passbooks, share certificates, dividends, and a proprietary credit score — the whole group, in one book.
Member self-service app
Every member gets a mobile-first wallet — digital passbook, savings goals, loan balance, and one-tap M-Pesa pay. Offline-ready, with sync indicators.
Fraud, risk & KYC
Platform-wide risk heatmaps, a live fraud feed, and a KYC verification queue — every money action confirmed and logged before funds move.
Real-time monitoring
Live Daraja, SMS, and API health with a real-time transaction feed, so operations sees a degraded STK push or failing webhook the moment it happens.
API, webhooks & white-label
Programmatic access with scoped API keys, event webhooks, multi-branch portfolios, and white-label branding for federations and enterprise partners.
Three entries
Up and running in minutes, not weeks.
Open the book
Register your group in under two minutes. You get KY-coded accounts, a chart of accounts, and your PayBill reference set up automatically.
Collect by M-Pesa
Prompt members with STK Push or let them pay your PayBill. Each payment is matched to a member and split across your accounts as it lands.
The book keeps itself
Journals post, receipts send, charges reconcile, and reminders go out — automatically. You just read the reports.
No card required · Free for small groups
Signed off by
Group leaders who closed the book on chaos.
“We tracked everything in WhatsApp and spreadsheets. Now contributions reconcile themselves and our treasurer spends 30 minutes a month, not the whole weekend.”
Grace Wanjiku
Chairperson, Umoja Savings Group · Nairobi
“Eighty members, every loan repayment by M-Pesa, alerts going out on their own. Our recovery rate went from 70% to 98% — and disbursing loans to phones takes one click.”
David Otieno
Treasurer, Nyota SACCO · Kisumu
“The double-entry reports are clean enough to put in front of our bank for a credit facility. Auto-splitting each contribution into savings and welfare was the feature we didn't know we needed.”
Fatuma Hassan
Secretary, Pwani Women's Chama · Mombasa
Balance carried forward
Retire the spreadsheet.
Keep a real book.
Join the chamas, SACCOs, and welfare groups across Kenya who let Kitabu Yetu collect, reconcile, and account for every shilling.
Questions? support@kitabuyetu.co.ke