Simple books.
Stronger groups.
Kitabu Yetu helps Kenya's savings groups manage money in one place. Members save and pay with M-Pesa from their phone, treasurers keep the books, and every shilling is matched automatically.
One platform, every role
From a single chama to a national network.
The same ledger powers the member on their phone, the treasurer at the meeting, the federation managing a hundred branches, and the team keeping the whole platform safe.
For members
A wallet in every pocket
Passbook, savings goals, and one-tap M-Pesa pay — offline too.
For group leaders
Chairperson, treasurer & secretary
Contributions, loans, welfare, shares, and dividends — one dashboard.
For SACCOs, Organizations & federations
Portfolios across every branch
Savings and loans across every branch, with your own branding.
For platform & operations teams
A control room for the network
Risk, fraud, and payment health — all in one place.
The whole book
From the M-Pesa prompt to the posted journal entry.
Kitabu Yetu carries a payment all the way through — collection, matching, allocation, accounting, and notification — so your treasurer doesn't have to.
M-Pesa payment prompts
STK Push straight to a member’s phone.
PayBill payments
Every PayBill payment matched to the right member.
Send money out
Loans, welfare, and dividends — paid to any phone.
Auto-split contributions
Split into savings, welfare, and loans automatically.
Payments that reconcile themselves
Stuck or missing payments caught within minutes.
Books that stay balanced
Every shilling recorded correctly — reports always ready.
Receipts & fees
Branded PDF receipts, every M-Pesa fee tracked.
SMS & WhatsApp alerts
Confirmations and reminders, sent automatically.
Members, loans & shares
Roles, loans, shares, and dividends — one place.
Member app
Passbook, savings goals, loan balance, one-tap pay.
Fraud & member checks
Every payment verified before money moves.
Live monitoring
Payment and messaging health, live.
API & branding
API access and your own branding for larger networks.
Beyond the ledger
One book. A whole financial ecosystem.
Kitabu Yetu doesn't stop at contributions and reconciliation — a lending relationship, an insured membership, an investment portfolio, or a donor-funded project all run on the same book.
Credit Marketplace
Credit scores built in — lenders issue loans against verified M-Pesa history.
Micro-Insurance Distribution
Health, agricultural, or life cover for members, in a few taps.
Investment Portfolio Management
Track real estate, agriculture, or money-market ventures in their own book.
Grant & Donor Governance
Donors get read-only access and real-time impact reports.
Three entries
Up and running in minutes, not weeks.
Open the book
Register your group in under two minutes. You get KY-coded accounts, a chart of accounts, and your PayBill reference set up automatically.
Collect by M-Pesa
Prompt members with STK Push or let them pay your PayBill. Each payment is matched to a member and split across your accounts as it lands.
The book keeps itself
Journals post, receipts send, charges reconcile, and reminders go out — automatically. You just read the reports.
No card required · Free for small groups
Balance carried forward
Retire the spreadsheet.
Keep a real book.
Join the chamas, SACCOs, and welfare groups across Kenya who let Kitabu Yetu collect, reconcile, and account for every shilling.
Questions? kitabuyetu@gmail.com