Save
Record every payment.
Save together.
Build trust.
Digitizing Book and Hand for financial inclusion.
Traditional savings, contributions, loans, and repayment behavior become trusted digital records.
Track
See balances and loans.
Update
Send receipts on WhatsApp.
Disburse
Pay members clearly.
Inside Clubmoni
See the platform at work.
From community contributions to lending decisions and programme disbursements, every movement stays visible and accountable.
Platform overview
Groups, wallets, lending and programmes.
Member journey
Aminata joins, contributes and builds standing.
One shared record
Everyone sees the same numbers.
Group leaders record money once. Members, officers, and partners work from the same clear record.
01Set group rules
02Record savings and loans
03Share member updates
Lumley Market Women Group
Records current
Members
32
Saved this round
SLE 3,800
Paid on time
94%
Member
Payment
Amount
Hawa Conteh
Book payment
+ SLE 150
Abu Kamara
Loan repayment
+ SLE 300
Fatmata Sesay
Wallet payout
- SLE 200
Book and Hand, simply.
Set the rules once. Clubmoni calculates dues, balances, loans, and repayments.
01
Set the rules
Choose service type, Book and Hand values, payment cycle, and penalties.
02
Record money
Track contributions, loans, repayments, payouts, and balances.
03
Update members
Send simple WhatsApp reminders, receipts, and balance updates.
G
Clubmoni
Group updates
Channel
WhatsApp
Record
Saved
Status
Confirmed
No new app to learn
Members get updates on WhatsApp.
Send reminders, receipts, balances, loan updates, and consent requests through a tool members already know.
01Reminders
02Receipts
03Balances
Field stories
Clubmoni is here to enable seamless contribution and lending.
At the stall
Market women can send contributions.
Group savings stay current even when members are busy selling. Through Tenkipay, a contribution is sent, recorded, and visible to the club right away.
01Send the contribution through Tenkipay.
02Receive an instant receipt and wallet update.
03Keep the group record accurate without leaving the stall.
Contribution sent
SLE 50,000 from the stall
Trade unions
Bike riders unions can collect dues.
Clubmoni helps transport unions, rider associations, and worker groups record dues, issue digital tickets and receipts, and keep member standing current from the field.
01Collect daily or weekly union dues through Tenkipay.
02Issue digital tickets and receipts for each payment.
03Track member standing for access, control, and accountability.
Union ticket issued
Bike riders union dues recorded in Clubmoni
Farming cooperative
Seasonal farm groups can move money together.
Clubmoni keeps input contributions, harvest savings, and repayment plans visible for farm groups that fund seed, fertilizer, or shared equipment.
01Collect seasonal contributions or seed money from members.
02Track loaned inputs, repayments, and group balances.
03Keep the cooperative record clear for every farmer.
Cooperative ledger updated
Farm group savings and repayments in one view
Village projects
Local communities can fund bore holes and shared work.
Families, descendants, and village committees keep contributions for water, school repairs, and welfare transparent in one record.
01Collect project money from relatives and residents.
02Track bore hole costs, materials, and progress.
03Show everyone what was sent and what remains.
Community project funded
Bore hole money kept visible
Family welfare
Families and villages can fund shared projects.
Welfare support, bore hole contributions, and village project funds stay visible in one record that everyone can trust.
01Collect welfare or project contributions from the family group.
02Track bore hole money and shared community goals.
03Keep every member aligned on what was sent and received.
Family welfare sent
Support for relatives kept visible
Alumni giving
Old school alumni can keep their giving together.
Reunion support, thanksgiving giving, and school project contributions stay transparent for everyone in the group.
01Collect reunion or thanksgiving contributions.
02Track support for school projects and shared gifts.
03Show the full alumni record without manual chasing.
Alumni contribution recorded
Thanksgiving giving in one shared ledger
Office susu
Office coworkers can run Osusu at work.
Workplace savings move from the desk to the ledger in one step, with a clear receipt for every contribution.
01Collect weekly or monthly office susu.
02Send a simple Tenkipay receipt to the group.
03Keep the office balance visible without extra paperwork.
Workplace susu saved
Office contributions confirmed instantly
Shop lending
Business women can borrow to start a shop.
A group fund can support starter stock, rent, and early repayments while the standing stays visible.
01Fund starter stock or a new shop setup.
02Track loan repayments and open obligations.
03Use the record to guide the next lending decision.
Shop-start loan tracked
Funding for a new business begins here
Program disbursement
01
Target by district, service type, or group profile.
02
Upload or approve beneficiary lists from Excel.
03
Disburse to wallets and monitor delivery.
Move funds to verified communities.
Government, NGO, and donor programs can target registered groups, upload beneficiaries, and disburse support into Clubmoni wallets with audit-ready records.
Program
Seed Fund
Target
Agriculture groups
Channel
Wallet
Credit score layer
Financial history that supports lending decisions.
Clubmoni turns savings discipline, loan repayment, overdue records, penalties, and wallet activity into a consent-led Member Trust Score for BNPL, lending, and micro-credit partners.
BNPL
Check standing before offering goods on credit.
Lending
Review repayment behavior and open obligations.
Micro-credit
Set safer limits for funded community loans.
Partner score view
Consent verified
82
Score
Abu Kamara
Excellent standing based on contributions, repayments, and no overdue obligations.
Recommended limit
SLE 2,500
Clubmoni gives the signal. The partner makes the final decision.
For organizations
See clear records before making decisions.
Clubmoni helps trusted organizations see informal money movement clearly, so groups can build visible financial history and access better support.
Cooperatives
Run member savings and loans.
Lenders
Review consent-led standing.
Government and NGOs
Disburse targeted support.
Make every payment clear.
Start a group or open the platform.