Basic Savings Group Record-Keeping App

VSL Associates of Germany, in collaboration with Kalority Ventures Ltd. of Nairobi and Marc Bavois of Catholic Relief Services (CRS), is unveiling a groundbreaking mobile application designed to simplify and improve the quality of record-keeping for independent Savings Groups. The app is tailored to meet the needs of groups that may or may not be supported by a training agency, ensuring they maintain accurate and reliable records that are easily understood and transparent. Its purpose is to improve security and reliability (and therefore confidence in the accuracy of records).

SAVIX IG App

What is different about this app?

We started with the belief that the biggest issue facing savings groups is difficulty in record-keeping and wanted to do something about this, before addressing any longer-term considerations about data mining or external linkages.

The most distinctive features of this application are that it is:

  • free 
  • stand alone and functions completely offline (while allowing for cloud backup, it does so without the involvement of any third party). 
  • primarily meant to help groups keep simple, basic, and precise records – and nothing else. 

We wanted to ensure that users can easily manage day-to-day data entry and record-keeping, and have incorporated the use of observation in the recording of cash, social fund and bank balances, derived from practice in standard SG methodologies.

Flexibility and Simplicity Combined

Despite its straightforward design, the app offers a lot of of flexibility. Users can tailor it to suit their individual group needs, making it adaptable to various contexts.

Supporting Low Literacy Users

Recognizing the challenges faced by users with low literacy, VSL Associates, and Kalority (with technical collaboration from CRS) have prioritized usability in the app's design. The interface is user-friendly, with straightforward instructions and minimal text requirements. This approach makes the app accessible to a broader audience, although basic literacy is necessary.

Collaboration for Innovation

The partnership between VSL Associates, Kalority and CRS has enabled the creation of an application that combines the different expertise of the three organisations. As a result we believe the tool to be technologically sound and practical.

Overview of the Leading DSG Solutions

Select solutions to compare
Functionalities
Digital records
Group procedures
Calculations
Electronic payments and digital money storage
Digital financial
services
Direct
Partner financial service providers (FSPs)
peer-to-peer
Credit scoring
Online marketplace
eLearning
Digital training for Savings Groups
Digital platform for skills development in other areas
Remote monitoring and data analytics
Communications
SMS and push
notifications
In-app messaging
Microsurveys
Coverage
Countries
Partners (clients, institutional users)
Groups
Members
Languages
Languages
Estimated cost of translation (USD)
Costs (in USD)*
Institution
Fixed
Variable
Group
Fixed
Variable
Member
Fixed
Variable
Hardware requirements
Group
Member
Network requirements
Network requirements
Côte d'IvoireGhanaRwandaTanzaniaUganda
EnglishFrenchKiswahiliKinyarwandaLugandaLuoLugbaraRunyakore-RukigaRunyakore-Rutoro
Negotiable
Organizations supporting Savings Groups should contact Chomoka for information on how to access training and leverage Chomoka for groups
Organizations supporting Savings Groups should contact Chomoka for information on how to access training and leverage Chomoka for groups
For a group to begin using Chomoka, they pay a small fee to a local trainer specialized in supporting groups to digitize F
FREE
FREE
FREE
Basic Android smartphone (Tecno F1 or similar)
None required; access to SMS receipts on any basic feature phone
No internet required, data backup through SMS or Internet connection; Full functionality offline, including unique system of backing up data by SMS
Worldwide
EnglishFrenchKiswahiliPortugueseSpanish
Free
Free
Free
Free
Smartphone
Feature phone (optional)
Operates offline. Backup and initial download online
Most countries in Asia, Africa, and Latin America
36 languages, including:
AfrikaansArabicEnglishFrenchIndonesianMalayPortugueseSpanishSwahiliThaiVietnamese
Built-in translation function for user-defined translation
Setup fee depending on level of customization and number of projects. Support services for implementation (data migration, helpdesk, etc.) are optional.
Small annual licensing fee depending on the number of groups supported.
FREE
FREE
FREE
FREE
Android or iOS mobile phone or tablet
No hardware required. Members receive notifications by SMS. Optionally, members can also access our mobile wallet with KaiOS, Android or iOS.
Low-bandwidth requirements; SMS and USSD technology
BangladeshBeninBotswanaEswatiniEthiopiaGhanaGuatemalaHaitiKenyaMalawiMexicoNigeriaParaguayPhilippinesRwandaSouth AfricaSri LankaTanzaniaUgandaVietnamZambia
Akan AmharicBengaliBurmeseChewaEnglishFrenchHaitian CreoleHausaKinyarwandaLugandaOromoRunyankoleSinhalaSpanishSwatiSwahili (Tanzanian)Swahili (Congolese)TagalogTamilVietnamese
$500
$500 on-time setup fee
First 50 groups are FREE; 50+ groups: annual licensing fee starting at $0.30 per group
FREE
FREE
FREE
FREE
Android smartphone
None required; access to SMS receipts, goal updates, and loan reminders on any basic feature phone
DreamSave works completely offline. Anytime a basic 2G mobile network signal is available, DreamSave will automatically back up all records transparently in the background using its DreamSync™ technology. This automatic backup works anytime the phone is turned on, even if the DreamSave app is not running.
The application is available globally and currently used in 50+ countries (bank linkages in Ethiopia only)
5429
112254
Amharic Afaan OromooEnglish Somali Swahili
$1,000
Price dependents on a project. Total cost includes project ID setup, DSG mapping, training, onboarding support, monitoring, and follow-up support
Price dependents on a project. Total cost includes project ID setup, DSG mapping, training, onboarding support, monitoring, and follow-up support
FREE
FREE
FREE
FREE
Smartphone
None
Edge connectivity, with both online and offline capabilities
Uganda
3
485
ArabicBari/KukuEnglishLuo
$500
Training and onboarding organizations onto the system; please contact for details
Post-onboarding software troubleshooting costs, data hosting (minimal costs)
FREE
FREE
FREE
FREE
Android smartphone
None
Network connection required to upload data to the Cloud; Online/offline capabilities for all recordkeeping and calculation functionalities
Senegal The Gambia
6
547
EnglishFrench
$3,500
Negotiable
Negotiable
Negotiable
Negotiable
Negotiable
Negotiable
Android tablet or smartphone
Android tablet or smartphone, or feature phone
Online and offline capabilities
Ghana
5
English
N/A
FREE
$0.22 per deposit
FREE
$0.074 per withdrawal
FREE
$0.074 per withdrawal
Feature phone
Feature phone
USSD functionality does not require internet connectivity
Sierra Leone, Nigeria, Ethiopia
EnglishAfan Oroomo
Please contact MiKashBoks
Fixed pricing depends on an NGO partner's circumstances. There may also be an upfront fee for initial implementation & potential customization.
Monthly licensing fee for access to the dashboard and ongoing support, based on the number of groups.
Free for the digital ledger version of the product.
When members use MiKashBoks wallet and are making profits on their savings, we take a small fee on their benefits.
Android smartphone (only one needed per group)
At least one member in each group must have access to an Android device
Online and offline capability
NigeriaUganda
195
English
N/A
Small cost for organizational onboarding and training
Monthly licensing fee per member; please contact for details
Negotiable
Negotiable
Negotiable
Negotiable
Android smartphone (version 5 or above)
Basic phone
Network connection required; Offline capabilities scheduled for release in the third quarter of 2022
TanzaniaZambiaEswatini
125
2500
3 languages, including:
EnglishSwahiliSwati
Android device running Android 4.0 to latest
3G Internet connection
Rwanda
12
EnglishKinyarwanda
Translation functionality built into the application
FREE
Monthly licensing fee: 0-50,000 users = $0.16/user 50,001-500,000 users = $0.97/user 500,000+ users = $0.49/user
FREE
Monthly licensing fee starting from $0.17/month
FREE
FREE
None
Every member must have a phone to use SAVE. Members with basic feature phones can use the USSD version. Members with smartphones can use the SAVE smartphone app.
Internet connectivity not required; SAVE works on 3G USSD and SMS
N/A
4
100
EnglishFrenchPortugueseSpanishSwahili
N/A
Costs vary depending on location, group maturity, and resources provided by partner organizations; A cost estimate can be provided by contacting sales@hivenetwork.online
Costs vary depending on location, group maturity, and resources provided by partner organizations; A cost estimate can be provided by contacting sales@hivenetwork.online
Costs vary depending on location, group maturity, and resources provided by partner organizations; A cost estimate can be provided by contacting sales@hivenetwork.online
Costs vary depending on location, group maturity, and resources provided by partner organizations; A cost estimate can be provided by contacting sales@hivenetwork.online
Costs vary depending on location, group maturity, and resources provided by partner organizations; A cost estimate can be provided by contacting sales@hivenetwork.online
Costs vary depending on location, group maturity, and resources provided by partner organizations; A cost estimate can be provided by contacting sales@hivenetwork.online
Smartphone
No requirement, but feature phone allows for transaction receipts by SMS
2G Offline capabilities include member creation and meeting transactions
* Excluding hardware requirements, standard airtime costs, and costs of complementary financial and non-financial services acquired on the platform

Leading DSG Solutions

VSL Associate Logo
SAVIX IG
Chomoka 1
Chomoka
Original on Transparent 1
Cyclos for Savings Groups
DreamSave 1
DreamSave
JamiiOne Green 300DPI81 1
Jamii.one
Grameen LedgerLink 1 e1665036946985
LedgerLink
MaTontine 1
MaTontine FIaaS Platform
Maximus 1
Maximus
Logo Horizontal Tagline Color
MiKashBoks
ENSIBUUKO LOGO 1 e1665036603889
MOBIS for Savings Groups
logo
myWORTH
Save 1
SAVE
Hiveonline 1
VSLA.online

Page was last updated on May 23rd, 2025 at 6:58 pm

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