For cooperatives, savings groups and producer unions

From the washing station to the payment

Weigh and receipt every delivery, run fair payments with input credit and savings taken out, and keep members, shares, buyers and meetings in one place. In RWF, ready for MoMo.

A fictional coffee cooperative with sample data. Sign in with one click.

Intake · Kawa Nziza Cooperative
Demo data

Received today

6,420 kg

Season intake

722 t

Value of cherries

RWF 324M

Cherry received per day

Last 12 days

DeliveryKgRWFGrade

Vestine Mukandayisenga

DL-004218

122.558,800Grade A

Jean Bosco Habimana

DL-004217

86.036,120Grade B

Solange Uwase

DL-004216

41.512,450Grade C

Works with

  • MTN MoMo
  • Airtel Money
  • Bank transfer
  • Cash
  • RWF
  • Coffee, tea, maize, rice, dairy

How it works

One season, six steps

  1. 1

    Register

    Member, shares and entry fee

  2. 2

    Inputs

    Fertiliser on credit

  3. 3

    Deliveries

    Weigh, grade, receipt

  4. 4

    Payment run

    Prepared, then approved

  5. 5

    Payout

    MoMo, bank or cash

  6. 6

    Season report

    Intake, sales, surplus

The manager prepares a payment run, the board approves it and the accountant pays it. Each step is done by a different person and written to the audit log.

Features

Everything a cooperative does in a season

Member register

National ID, phone, village to sector, zone, number of trees and area, next of kin, documents, status (active, suspended, exited) and a printable member card.

Share capital and savings

Shares subscribed and paid by instalments, certificates as PDF, transfers and refunds on exit. Compulsory and voluntary savings, with withdrawals that need approval.

Produce collection

A phone-friendly intake screen for the clerk: member, grade, kilograms, rejected weight. The price in force that day is applied, and an 80 mm receipt is printed.

Farmer payment runs

Deliveries × price, minus input credit, savings, levies and share instalments in the order you set. Never below zero. Approval, payout by MoMo, bank or cash, and a statement per member.

Input credit

Fertiliser, seedlings and tools given on credit, recovered from produce payments, with balances per member and the age of what is owed.

Sales to buyers

Buyer contracts, lots of processed coffee, shipments, money received and the stock still in the store.

Cash book

Cash, MoMo and bank in one book. Payments and receipts post themselves; the accountant adds the running costs. Reversals are kept, never erased.

Assemblies and committees

Agenda, attendance, minutes and resolutions for general assemblies and board meetings. Committee terms and an election log. Notices to all members or one zone.

Dashboards and reports

A dashboard per role and twelve reports on screen, in CSV and in PDF: intake by centre, zone, member and day, payment runs, credit, savings, sales, cash book, season summary.

Payments

A payment a farmer can check

Each delivery is valued at the price per grade in force on its date. Then the deductions are taken in the order you choose. Each takes at most what is left, so a member is never paid a negative amount. Savings and levies that did not fit are carried to the next payment.

Gross pay
105,300
Net pay
59,982

Example with sample figures. The rules are covered by automated tests.

Payment statement

Three deliveries, one member

Demo data
DeliveryKgRWF/kgValue
Cherry grade A12048057,600
Cherry grade B8542035,700
Cherry grade C4030012,000
Gross pay105,300
− Input credit38,000
− Compulsory savings (5%)5,265
− Cooperative levy (1%)1,053
− Share instalment1,000
Net pay59,982
Worked out by the same code the app uses for every payment run (input credit owed: 38,000, capped at 60% of gross pay).

Made for Rwanda first

  • RWF by default, with MTN MoMo, Airtel Money, bank and cash as payment channels
  • National ID, Rwandan phone numbers, address from province to village
  • Zones, collection centres and seasons the way a cooperative runs them
  • Phone-friendly intake screen, 80 mm receipts and PDF cards
  • SMS through your provider (setup needed)

Control and safety

  • Six roles, each limited to what it needs; a clerk works at one centre only
  • The person who prepares a payment run cannot approve it
  • Nothing financial is deleted: mistakes are reversed and kept
  • Audit log of every sign-in and every change to money
  • Passwords stored as bcrypt hashes; sign-in attempts are rate-limited

FAQ

Questions cooperatives ask us

Does it work for tea, maize, rice or dairy?

Yes. Products, grades and prices are set in Settings, so a cooperative can collect coffee cherry, tea leaf, maize, rice or milk. The demo is a coffee cooperative.

Can we import our members and balances?

There is no self-service import screen yet. During setup we load your members, shares, savings and open input credit with you, so everyone starts with the right balance.

Does it send SMS to members?

The app can send notices through your own SMS provider. This needs setup: a provider account and a webhook, and SMS credit is not included. Without it, notices still appear in the member portal.

Does it pay farmers by MoMo automatically?

No. You pay by MTN MoMo, Airtel Money, bank or cash as usual, then mark the payout as done in the app with the reference. The app gives you the payout list and keeps the record.

Does it work without internet?

Not yet. The intake screen needs a connection. It is built for phones, and Android and iOS apps are planned; the mobile API they will use is already in place.

Can we use Kinyarwanda or French?

The screens are in English today. The text is kept in one place so other languages can be added.

Where is our data?

Each cooperative gets its own private instance with its own PostgreSQL database. We run instances on Amazon Web Services in the US East region. Ask us if you need another location.

How long does setup take?

It depends on your members, centres and products. We agree a date after a first call.

Request a setup

Tell us about your cooperative: number of members, collection centres and products. We set up your own private instance, load your members and prices, and train your clerks and accountant.