Members & groups
Full member registers with contribution history, joining dates, roles and standing per cycle.
eLucive product
Village Banking System
Run a savings group without a single paper ledger
Comprehensive village banking and microfinance management for community savings groups, SACCOs and microfinance institutions across Zambia and the wider region.
Who it is for
- Community savings groups (chilimba)
- SACCOs and cooperatives
- Microfinance institutions
- Employer-run staff savings schemes
Village banking, or chilimba, runs on trust and arithmetic, and the arithmetic is where groups lose confidence in each other. The Village Banking System replaces the exercise book: it tracks every member, every contribution, every loan and every repayment, and it computes interest, share-outs and standing balances the same way every cycle.
Savings & shares
Contributions recorded per meeting, with share values and balances that reconcile automatically.
Loans & repayments
Loan issue, interest calculation, repayment schedules and arrears tracking for every borrower.
Cycle share-out
End-of-cycle distribution computed from real contributions, transparent and reproducible.
Audit trail
Every transaction attributable, timestamped and impossible to quietly amend.
Works on any device
Usable from a phone at a meeting or a desktop in the office, on the connections groups actually have.
Want one built for your organisation?
Every product we ship started as a specific problem someone brought us. If yours does not fit an existing tool, we build it.
eLucive Software · Lusaka, Zambia