For example: students, colleagues at work, neighbors and homeowners in an estate, church and alumni groups, women's and youth groups, family and friends.
Only what keeps the money right. Everything else is optional. Committees, meetings, extra checks and papers stay off until your group turns them on.
Daily, weekly, every two weeks or monthly. You choose. Run the social fund for weddings, funerals and school fees.
Two kinds of loan, the way groups already lend. Within your savings, or with guarantors who give their consent.
Two people, always.
One officer records and another confirms.
Registered or not, start today.
Add your SITATI and certificate whenever you have them.
Growing into a cooperative?
e-Mali supports both, so when you are ready you will not have to start from scratch. Talk to us about it
Members sign in with their phone number and a PIN. They see their savings, shares, loans and dividends, and can send a payment with a photo of the receipt.
Most cooperatives and savings groups still run on notebooks, spreadsheets and a cash box. Here is what that costs them, and what e-Mali changes.
Proof attached
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Records and trust
Safe even when the notebook isn't. Rain, fire or a lost bag can wipe out years of records. In e-Mali they are kept online, not in one person's bag.
Know your balance any day, not just meeting day. Members check their own savings and loans on their phone, instead of asking the secretary and taking their word for it.
No more "I paid, but it isn't written." Every payment carries its proof and is checked by a second officer, so there is nothing to argue about.
Leaders change. The records stay. When the treasurer travels, falls ill or steps down, the next one picks up exactly where they left off.
RWF370,000.00
Money and calculations
Every franc counted right, every time. Interest, fines and contributions are worked out for you, so the totals never depend on someone's arithmetic.
Every loan and every late payment at a glance. See who borrowed, what is left to repay and who is late, without flipping through pages.
Year end in minutes, not weeks. Cooperative dividends and savings group share-outs are worked out from the records, and every member can see how.
Paid by MoMo? It is on the record. The MoMo message or bank slip is attached to the payment, so it lands on the right member.
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2
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Meetings and admin
Spend meetings deciding, not counting. Payments are recorded as they come in, so nobody waits in a queue for the secretary or the accountant to write.
Members, shares, savings and loans in one place. One register instead of separate lists that never agree with each other.
Less paperwork for the people who keep the group going. Leaders give their time for free. e-Mali does the writing and the adding up.
General assembly minutes that never go missing. Meetings, quorum, signed minutes and numbered decisions are kept next to the books.
RWF20,000.00
For members and partners
In Kinyarwanda, on your phone. Members sign in with their phone number and a PIN, and see their figures in their own language.
Records good enough for your SACCO or bank. Show a clean history of savings and repayments when the group applies for a loan.
Reports ready when RCA or the sector asks. See what RCA expects and by when, and get reports straight from the records, as PDF or Excel.
Questions groups ask us
How do we register our ikimina?
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.
Is e-Mali only for village groups?
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.
How many members do we need to register an ikimina?
At least 5, each with a valid National ID or passport.
Does our group need to be registered first?
No. Any cooperative or savings group can start right away. If you register later, your records will already be in order.
Do my members need smartphones?
No. Officers can record everything. Members with a phone can sign in to check their balance, using a PIN or a one-time code.
What is the difference between a cooperative and an ikimina?
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.
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.
