BUILT FOR AFRICAN MICROFINANCE

Every repayment, the moment it happens.

Rejesho replaces the paper passbook with one live record of every loan, saving and collection, from the field officer’s phone to the branch manager’s screen.

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SMS receipts · Group lending · Live balances

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THIRD-PARTY MARKS · VERIFY USAGE RIGHTS

Sends SMS across major African networks

THE PROBLEM

The passbook is paper. The truth is scattered.

A member’s balance lives in a booklet, the officer’s notebook and a spreadsheet at the branch. None of them agree by Friday.

  • Balances drift

    The booklet, the notebook and the branch ledger disagree, and reconciling them costs a day a week.

  • Arrears surface late

    A loan in trouble is visible only after the visit, when the officer is already back at the branch.

  • Reporting is retyping

    Board and regulator reports are rebuilt by hand from paper every month.

Overhead view of a savings group collection on a wooden table: one pair of hands counts Tanzanian shilling banknotes while another writes in a handwritten RISITI receipt, beside a desk calculator and a KIKUNDI CHA AKIBA ledger sheet ruled into TAREHE, MCHANGO and SALIO columns.
A man in a blue shirt sits at a desk with his head in his hands, in front of a laptop showing a dense spreadsheet and surrounded by scattered printed reports and a calculator.

THE SYSTEM

Everything a branch runs on, in one place.

Modules that already match how an African MFI actually works, not a generic ledger bent into shape.

Collections

Plan the day, capture every payment.

Members & groups

Register once. Track member and group.

Loans

Disburse, schedule, catch arrears early.

Savings

Deposits and balances on one passbook.

SMS

Every payment confirmed to members.

Reports

Portfolio, PAR and collections, exportable.

How it works

Three steps, one day’s work.

  1. 01

    Register the member

    Capture the member and their group once, at the branch or in the field.

  2. 02

    Collect in the field

    The officer opens the day’s visits, records each payment, and the member gets an SMS before they walk away.

  3. 03

    Reconcile at the branch

    The session closes against expected totals. What came back is known by the end of the day.

Collections

The collection session, closed the same day.

The officer leaves the branch with the day’s visits already planned. Every payment is captured where it happens, and the total is reconciled against what was expected before the branch closes.

  • Visits planned by route
  • Captured at the point of payment
  • Session totals signed off
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Passbook

The passbook the member already trusts, now live.

Deposits, withdrawals and repayments post to one running record. The officer and the member read the same balance, and nothing depends on a booklet surviving the journey home.

  • Every entry dated and attributed
  • Balance visible to officer and member
  • No booklet to lose
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SMS & member trust

The member knows before they walk away.

Every confirmed payment sends an SMS with the amount, the date and the balance remaining. No argument at the next visit.

  • Instant SMS receipt
  • Sent in the member's language
  • Delivery status on every message
See how SMS works
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PRICING

Priced per branch, not per headache.

Every plan includes the passbook, collections and SMS. You are charged for branches and officers, never for the members you serve.

  • BRANCH

    TZS 149,000/mo

    One branch, up to 5 field officers, unlimited members.

    • Collections and passbook
    • SMS receipts included
    • Group and individual lending
    • Standard reports
    Start free trial on the BRANCH plan

  • MOST CHOSEN

    INSTITUTION

    TZS 490,000/mo

    Up to 5 branches, unlimited officers, consolidated reporting.

    • Everything in Branch
    • Multi-branch reconciliation
    • Loan approval workflow
    • Board and regulator reports
    Start free trial on the INSTITUTION plan

  • ENTERPRISE

    Talk to us

    Unlimited branches, API access, dedicated onboarding.

    • Everything in Institution
    • API and integrations
    • Dedicated onboarding
    • Priority support
    Book a demo on the ENTERPRISE plan

All prices in TZS, excluding VAT. SMS billed per message at network rates.

WHAT OPERATORS SAY

Built with branches, not for them.

  • “We used to lose a day a week reconciling booklets against the branch ledger. Now the session closes before the officer gets back.”

    Branch ManagerMicrofinance institution

  • “The members trust the SMS. They see the amount and the balance, and the arguments stopped.”

    Field OfficerSACCO

  • “I can see arrears the day they happen instead of at month end.”

    Operations LeadGroup lending scheme

QUESTIONS

Answers, before you ask.

What happens if the connection is slow?

Rejesho is a live cloud system, built light on data and running in any phone browser. On a weak connection it stays usable; it does not hold work on the device.

What happens to our existing paper records?

You import members, loans and balances at onboarding. The paper passbook stays valid until you retire it.

What languages does the interface support?

English and Swahili. The field and member-facing side runs in Swahili, and member SMS is sent in the language on their record.

How is SMS charged?

Per message at network rates, billed separately from your plan. You see the balance before you send.

Can we run more than one branch?

From the Institution plan up. Each branch reconciles on its own and rolls up to a consolidated view.

Who can reset a field officer's PIN?

The branch manager. Officers never reset their own PIN from an unverified device.

Something else? Talk to us.

Contact sales

Close the books before you close the branch.

Start free for 30 days. No card, no installation, no data migration fee.

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