For VICOBA, M-Koba and upatu groups
Hisa and Jamii month by month, loans that three officers must each sign, the cash book, and a year-end gawio split to the exact cent. Every member can open it on their own phone.
| Member | Jan | Feb | Mar | Apr | May | Jun | Jumla |
|---|---|---|---|---|---|---|---|
| Member A | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 300,000 |
| Member B | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 300,000 |
| Member C | 50,000 | 50,000 | — | 100,000 | 50,000 | 50,000 | 300,000 |
| Member D | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 300,000 |
| Member E | 30,000 | 30,000 | 30,000 | 30,000 | 30,000 | 30,000 | 180,000 |
| Member F | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | — | 250,000 |
| Jumla | 280,000 | 280,000 | 230,000 | 330,000 | 280,000 | 230,000 | 1,630,000 |
The interface is in English. The money keeps the names your group gives it.
Built against a real group’s annual report. Every figure was checked against the workbook’s own totals before it was let in, and one disagreement was enough to stop the import.
The book stays the group’s. The app only refuses to let it contradict itself.
The group's year
Horizon Vikoba follows the year the way your group already runs it. Nothing is retyped at the end, because it was recorded as it happened.
Each month's Hisa and Jamii go into the grid as they are paid. Kiingilio and faini sit beside them, so a member's statement shows everything.
A member asks. The app writes the letter, the three officers each sign, and riba is charged once at your group's own rate for that term.
A schedule dated from disbursement, arrears shown the day they are late, every balance derived from the ledger.
Faida is worked out, split in proportion to Hisa to the exact cent, and the balances carry into the new year.
What it does
A spreadsheet cannot refuse. This book will not let a total go stale, a loan skip a signature, or a share-out miss the pool.
A one-off percentage of the principal, at a rate each group sets for itself — 5%, 7% or 10% by term, whatever you agreed. Charge it monthly by mistake and a borrower pays four times over.
Total owed 12,100,000
Total owed 15,400,000
A 11,000,000 loan over 4 months at 10%. The rate is yours to set: each group keeps its own table by term, say 5%, 7% or 10%. Horizon Vikoba stores it in basis points and applies it once, so the figure cannot drift.
Pending, active and repaid, with an “only mine” filter. Only the controls differ by office.
The importer checks every figure against your annual report's own totals rows, and writes nothing at all if one of them disagrees.
Collections, loans disbursed, expenses and sundry income, month by month, with a running balance kept apart from the contributions total.
| Month | In | Out | Balance |
|---|---|---|---|
| April | 1,540,000 | 2,000,000 | 3,320,000 |
| May | 1,610,000 | 0 | 4,930,000 |
| June | 1,430,000 | 1,500,000 | 4,860,000 |
Pages render on the server and ship almost no JavaScript. They open on a five-year-old handset, on a connection that comes and goes.
A loan or member id from another group is simply not found. The people who run the platform hold no office anywhere.
Including ours. If an administrator ever looks inside your group, a banner says so on every screen and it lands in your audit log.
Mikopo
A member raises their own request and the app writes the letter. Then the chairperson, the accountant and the secretary each answer it, and the app holds them to that.
Whether the group should lend this, to this member, now.
Whether the cash is there, and what else the borrower still owes.
That the request, the terms and the guarantors are recorded as agreed.
1,240,000.00
Parts add up to1,240,000.00
Gawio
This is the week that used to take an evening with a calculator and end in an argument about the last few shillings.
Riba charged, plus sundry income, less miscellaneous expenses. The figure comes from the ledger, not from a cell someone typed.
The profit is divided in proportion to each member's Hisa by the largest-remainder method, so the parts add up to the pool exactly.
Closing Hisa and Jamii open the next year, closing cash becomes opening cash, and the new year goes active.
A year that made no profit still closes, because its balances have to carry forward either way. Closing is reversible: reopen a year and its share-out is discarded so it can be worked out again.
Reports
Each one has a year switcher and is laid out to print, because the annual meeting still happens on paper.
Scroll sideways to see them all.
Fund position, collections, lending, and a per-member table that foots to the group total
Members down, twelve months across, opening balance and Jumla
The same grid for the community fund
Every loan: dates, principal, riba, adhabu, repayments, balance owed
Month-by-month collections, loans out, expenses and running balance
The share-out — projected while the year is open, frozen once closed
One member's full history, theirs to open at any time
Trust
So the app is built to be checked: by the members, by the officers, and by the group as a whole.
Every amount is a whole number of cents, held as an integer. No floating-point value ever touches a balance.
Permissions are one table, and the guards run for every page and every action. Never in the interface alone.
Recording a repayment and removing it are exact inverses. A closed year can be reopened. Both land in the audit trail.
The platform owner cannot read your books. To look inside they impersonate one of your officers, and your group can see that they did.
Before you start
Something else? Write to us and we will answer within two working days.
No. Horizon Vikoba runs as a hosted service — your group signs in and starts. It can also be self-hosted against any PostgreSQL database if you would rather hold the data yourself.
Yes. The importer reads a DBS-style annual report and checks every figure against the workbook's own totals before writing anything. If one number disagrees, nothing is imported and it tells you which.
Yes. Pages are rendered on the server and ship almost no JavaScript, so they open on a modest phone and a slow connection. Every report is also laid out to print.
Repayments can be removed and the loan reopens; a closed year can be reopened and its share-out recalculated. Recording something and undoing it are exact inverses, and both are written to the audit trail.
No. Every group screen is closed to them. To look inside they must impersonate one of your own officers, and that act is written to your group's audit log where you can see it.
Yes. Riba is configured per group. The chairperson keeps a rate table by loan term — for example 5% for one month, 7% for two, 10% for three to six — and every loan is charged once at the band its term falls in. Change the table and new loans pick up the new rate; loans already written keep theirs.
The interface is in English, but it keeps the group's own terms — Hisa, Jamii, Mikopo, Riba, Gawio — because that is how members read their own reports.
Sign in to the portal, or write to us and we will help you move your workbook across.
