Sirka
Create your group

Run your ikimina without the notebook.

Collect contributions automatically, track every franc, and approve loans with a clear trail — on web and mobile.

Create your groupSee how it works
Download on theApp StoreGet it onGoogle Play

Built for savings groups in Rwanda and East Africa

Today vs Sirka

Paper and cash still carry the risk.

  • Cash handed over at meetings

    Contributions debited on schedule from bank or MoMo

  • Notebook balances that go missing or disputed

    A live treasury every member can open and check

  • Signatures that can be forged or argued over

    Loan approvals sealed with OTP or device biometrics

  • Chasing arrears in WhatsApp threads

    Clear who has paid, who owes, and what comes next

What Sirka does

Everything the group needs. Nothing you have to invent.

Automatic collection

Link MTN MoMo, Airtel Money, or a bank account. Contributions debit on the schedule your group already agreed — no cash bag, no chasing.

Group treasury

See balances, member histories, cycles, arrears, and payouts in one place. The treasurer stops being the only person who “knows.”

Loan requests

Members request loans in-app. Interest, term, guarantors, and limits are set once and enforced the same way for everyone.

Secure approvals

Committee members approve with OTP or Face ID / fingerprint. Every decision leaves a tamper-evident trail.

Reports that travel

Statements, contribution ledgers, loan books, and exports ready for the group — or for a bank or SACCO you work with.

Full transparency

Every member sees every contribution, every loan, every balance. Trust is not a speech. It is the product.

Create your group

How it works

From first meeting to automatic collections.

  1. Create the group and set the rules

    Name the group, invite the committee, and record contribution amounts, meeting cycle, loan interest, and who can approve.

  2. Members join and link payment

    Each member joins from a link or invite code and connects their bank or mobile money. No smartphone? A linked number still works with USSD-friendly flows.

  3. Contributions collect themselves

    On schedule, Sirka initiates the debit. The treasury updates. Arrears are visible the same day — not at next month’s meeting.

  4. Request and approve loans in-app

    A member asks. Guarantors confirm. The committee approves with OTP or biometrics. Payout follows the rules you already wrote.

Security & trust

Built for people’s real savings — often their only savings.

Ibimina already work. Sirka’s job is to make the money harder to dispute and the decisions harder to fake.

  • OTP and biometric approval

    Loan and payout decisions require a one-time code or device biometrics. No rubber-stamp signatures on paper.

  • Encryption in transit and at rest

    Member data and money movement details are encrypted on the wire and when stored.

  • Role-based permissions

    Chairperson, treasurer, secretary, and member each see and do only what their role allows.

  • Immutable audit log

    Approvals, edits to rules, and money events are recorded in order. History does not quietly rewrite itself.

  • Data residency you can explain

    Group records are hosted with clear regional controls so leaders can answer where the data lives.

Create your group

Who it’s for

Same product. Different groups. Same need for trust.

  • Ibimina

    Rotating and accumulating neighborhood groups that still meet monthly — now with less cash handling.

  • Cooperatives & SACCOs

    Structured groups that need ledgers, exports, and clean trails for regulators or partner banks.

  • Workplace savings

    Staff associations and employer-linked groups that want automatic payroll-timed contributions.

  • Diaspora groups

    Families and associations saving across borders who need one shared view of the purse.

On your phone

The meeting fits in a pocket.

Group dashboard — balance, next collection, open loans
Member ledger — who paid, who is late, contribution history
Loan approval — OTP or biometrics with a clear trail
Download on theApp StoreGet it onGoogle Play

From groups like yours

What leaders tell us when the notebook goes away.

  • “We used to argue for twenty minutes about who paid. Now everyone opens the same screen and we move on.”

    Jeanne M.

    Chairperson · Twiyubake Women’s Ikimina — Kigali

  • “Loan approvals used to mean chasing signatures. With OTP, I know exactly who said yes and when.”

    Eric N.

    Treasurer · Ubumwe Staff Savings — Musanze

  • “Our members abroad can finally see the balance the same day we do. That alone stopped the rumors.”

    Grace K.

    Secretary · Isano Family Circle — diaspora

Pricing

Start free. Grow when the group grows.

Prices shown in RWF are placeholders for design review.

  • Free

    For small groups getting off paper.

    RF 0

    • Up to 20 members
    • Contribution tracking & treasury
    • Loan requests and basic approvals
    • Member transparency
    Create your group

  • Most popular

    Growth

    Automatic collection and richer controls.

    RF 25,000 /month

    • Up to 100 members
    • Bank & mobile money collection
    • OTP / biometric approvals
    • Reports and audit exports
    • Priority support
    Create your group

  • Cooperative

    For SACCOs, networks, and multi-group orgs.

    Contact us

    • Unlimited or multi-group seats
    • Custom roles and integrations
    • Dedicated onboarding
    • Data residency options
    • SLA and training
    Contact us

FAQ

Straight answers.

Groups under 20 members can use Sirka free. Growth pricing is listed above in RWF (placeholder figures until we publish final rates). Cooperatives and multi-group networks talk to us for a plan that fits.

Put the notebook down. Keep the trust.

Create your group

Free for groups under 20 members. No card required.

Talk to usfor cooperatives and SACCOs