Questions groups ask us

No. e-Mali works for any group that saves, lends or shares a profit, in Kigali or anywhere else in the country. Ibimina of students, colleagues at work, neighbors and church or alumni groups can use it, and so can cooperatives of drivers, artisans, traders and farmers. Members only need a phone to check their balance.

Yes. You choose your type when you sign up, and e-Mali shows the rules, words and tools that fit it.

No. Officers can record everything. Members with a phone can sign in to check their balance, using a PIN or a one-time code.

No. Any cooperative or savings group can start right away. If you register later, your records will already be in order.

No. If you can record a payment in a notebook, you can record it in e-Mali. The books and reports are prepared for you.

Yes. Fill in our Excel template and e-Mali checks every row before importing. We will help you do it.

Yes, for 60 days. No card and no hidden fees, and nothing is charged automatically when the trial ends. You can export your data at any time.

If your group wants to keep using e-Mali, contact us and we agree a plan and price with you. If not, you can export your records before your data is deleted.

Yes. You can export your members, books and reports to Excel or PDF whenever you like.

We agree how to pay with each group when it decides to continue after the trial. Nothing is charged during the trial.

An association of people who join voluntarily to meet shared economic, social and cultural needs through a business they own and run democratically. Cooperatives are registered and supervised by the Rwanda Cooperative Agency (RCA), under Law N° 057/2024.

A cooperative is a business owned by its members, registered with RCA, and it keeps full books of accounts. An ikimina is a savings group: members contribute on a schedule, often lend to one another and share out at the end of the cycle. Ibimina register with their sector through MINECOFIN's IBIMINA platform. e-Mali works for both.

Online, on MINECOFIN's IBIMINA platform (ibimina.minecofin.gov.rw). Create an account with your National ID or passport, enter your ikimina's details, members, leaders and contributions, upload your constitution and founding meeting minutes, then submit. Once approved, the sector where you operate issues the certificate.

At least 5, each with a valid National ID or passport.

RCA lists twelve: the cash book, debtors' book, creditors' book, register of members' shares, purchases book, sales book, stock records, intangible documents, invoices, delivery notes, the balance sheet and the income statement. e-Mali keeps the cash and bank books, the share register and the financial statements for you as you work.

IBIMINA is MINECOFIN's platform to register an ikimina. CMIS is RCA's platform to register a cooperative and handle its official requests. e-Mali is where your group runs its money every day: members, savings, shares, loans and books. You register on IBIMINA or CMIS, and use e-Mali to keep the records those platforms ask for.

No. Only your group can register, on IBIMINA for an ikimina or on CMIS for a cooperative. e-Mali is not connected to either platform. It keeps your member list, contributions and reports ready, so you can export them and submit them yourselves.