Register of members
Every member with number, join date, shares, nominee and status; the register stops at fifty, as the regulations do.
For VICOBA
Your group's books, from the first share to the share-out.
Every weekly meeting recorded at the table: shares, social fund, fines, loans and the cash box count. Its rules follow the Microfinance (Community Microfinance Groups) Regulations 2019 and your own constitution.
01
Members and leaders
Ten to fifty members, and the leaders the constitution names.
Leaders and key holders
Chairperson, secretary, treasurer, money counters, key holders and the discipline master, with terms and elections.
Constitution checklist
The thirteen matters of the First Schedule ticked as your constitution covers them, with the internal controls person on record.
02
Cycle and shares
One share price for the cycle, whole shares every meeting.
The cycle
Open the cycle with its share price and rules copied from your constitution; it runs until the share-out.
Shares within the band
One to five shares per member per meeting, recorded to the member's shares account with the meeting on the slip.
Social fund
A flat contribution each meeting, grants and interest-free loans for bereavement, illness, school fees and emergencies, repaid to the fund.
Fines
Your constitution's schedule of fines, assessed at the meeting, taken in cash or waived with a reason, and set off at the share-out.
03
The meeting and the cash box
Every shilling moves at the meeting, and the box is counted twice.
Open the box
Sign members in, open the session, count the cash and record the counters and key holders present.
Record at the table
Shares, social fund, fines, loan payouts and repayments from one tab, each named to the meeting.
Cash book and count
The cash book is derived from the records; the closing count is kept against the expected figure and printed in the meeting report.
04
Member loans
Up to three times the member's shares, repaid before the cycle ends.
Loans that fit the cycle
A flat monthly charge, a term no longer than the constitution allows, one loan per member, none while a fine is unpaid.
Social collateral
Members of the sumaku stand as guarantors with a written disclosure, pledging no savings.
Paid out and repaid at the meeting
Approved loans are paid out of the box and repayments taken at the table, both in the meeting's cash book.
06
Member portal
Members see their own passbook on their phone.
Sign in by phone
A code by SMS to the number on the register; no password.
Passbook
Shares this cycle, social fund paid, fines owed, loans and the last share-out.
Meeting notices
SMS before each meeting, paid from the group's SMS credits.
07
Know what is due, and hand it in on time.
The reporting calendar tracks every statutory deadline, and the system prepares the reports from the records you already keep.
Reporting calendar
Every obligation generated twelve months ahead from your licence and financial year, with dates moved off weekends and public holidays.
Reminders before each deadline
Email at 14, 7 and 1 days before and when overdue, optional SMS, and a notice on the home screen.
Submissions on record
Owners and admins record the date, reference and the regulator's acknowledgement for each return.
Complaints register
A registration number on receipt, 14-day and 48-hour due dates, Bank of Tanzania referrals and the monthly Form No. 2.
Council return and registers
The quarterly report in the Third Schedule shape, the cash book of meeting sessions, the social fund and fines registers and the share-out statement.
Group rules
Registration with the council, meeting day, share band, social fund contribution, cycle length, longest loan term and the share-out basis.
Reports the system prepares
Reports open on screen with period and branch filters and download as PDF and Excel, headed with your institution, licence and period.
- Quarterly report to the Local Government Authority
- Cash book (meeting sessions)
- Social fund register
- Fines register
- Share-out statement
- Register of members
- Register of nominees
- Register of board and committee members
- Reporting calendar
- Meeting report with the cash box count
Deadlines on the calendar
- Quarterly report to the Local Government Authority
- Annual general meeting and election of leaders
- Begin operations within three months of registration
- Members' written consent to credit-information sharing
- A copy of the constitution for every member
- Complaints and dispute procedure in the constitution
Included for every institution
- Branches, with an all-branches view for owners and admins
- Staff sign-in with a phone number and an SMS code
- Maker-checker approvals with named makers and checkers
- A double-entry ledger behind every posting
- Audit history of who did what and when
- Reports as PDF and Excel downloads
- SMS and email paid from a prepaid credit wallet
- English and Kiswahili throughout
- Bank reconciliation on the Scale plan
Bring your kikundi onto Adili.
Register the members, open the cycle and record the next meeting. Plans are priced by the size of the register, about a thousand shillings per member per month.