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Community money deserves clear records.

We are a small team in Kigali building the tool we wished every cooperative and ikimina already had.

Community money deserves clear records.

Notebooks, spreadsheets and screenshots weren't built for your group's money.

  • Payments are hard to check. Bank slips and MoMo messages get lost in phones and folders.
  • Members have to trust, not see. Most members cannot check their own savings or loan balance.
  • Year end takes weeks. Sharing profit, paying out dividends and preparing reports for RCA all happen by hand.
A treasurer frowns over a handwritten ledger, with stacks of paper slips, a calculator and a phone on the desk

One record that everyone can trust.

e-Mali turns every contribution, loan and expense into a verified record. The books build themselves from those records, so the reports are ready when you need them.

  1. Payment recordedContribution, loan or expense
  2. Proof attachedDeposit slip or MoMo message
  3. Checked by an officerTwo people, every time
  4. In the booksReports ready when you need them

Our story

Before e-Mali, we worked with accounting software such as QuickBooks, Xero and Zoho. We saw what well-kept books give a business: clear reports, ready whenever someone asks. We also saw what they cost: a skilled accountant to set up the accounts and post every entry correctly.

Across Rwanda, cooperatives and savings groups (Ibimina) hold the savings of millions of people, and few of them have an accountant. Most of that money is still tracked in notebooks and spreadsheets. When a record is lost or a number does not add up, the group loses more than money. It loses trust.

So we built e-Mali to keep the books behind the scenes, following the IFRS for SMEs. Every franc a group handles has its proof, its approval and its place in the books, and every member can check their own balance.

A savings group meets under a tree on a hillside at sunset while one member reads from a notebook

The books, kept for you

You record what happened, in plain words: a payment, a loan, a purchase. Behind it, e-Mali picks the accounts, posts both sides of the entry and checks that they balance. The reports read straight from those books.

  • A chart of accounts for cooperatives, set up from day one
  • Every entry balanced, with its proof and approval
  • Statements that follow the IFRS for SMEs
1You record
Share paymentMobile money · RWF20,000Approved
2e-Mali posts
AccountDebitCredit
1130Mobile money20,000
3100Share capital20,000
Balanced20,00020,000
3It lands in
Statement of financial positionEquity · Share capital+20,000
IFRS for SMEs

What we believe

  • Members first.

    The money belongs to the members, so they should be able to see it.

  • Two people, every time.

    Good controls protect honest officers as much as they protect members.

  • Simple by default.

    A ten-person ikimina should not need an accountant to use e-Mali.

  • Built for Rwanda.

    Our own laws, our own languages, our own way of saving.

Why “e-Mali”

Mali means wealth or property in Kiswahili and is understood across East Africa. e-Mali is that wealth, kept clearly and online.

A small team based in Kigali.

Why we started e-Mali

We kept meeting treasurers who work hard and honestly, yet spend their evenings matching notebooks against bank slips and MoMo messages, and members who can only take someone's word for their balance. We started e-Mali so that keeping a group's money right is easy, and seeing it is every member's right.

We are looking for our first groups.

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Ready to see your group's money clearly?

Set up your cooperative or savings group (ikimina) today. We will help you import your records and get your team started.

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