Financial inclusion

IntelliCash VSLA

Digitisation for village savings and loan associations, with a mobile app built for how groups actually meet.

Overview

VSLAs run on trust, a lockbox and a paper ledger. IntelliCash VSLA keeps that meeting rhythm intact while making the record durable — share purchases, the social fund, loans and share-out are captured as they happen instead of being reconstructed later.

Capabilities

01Group and cycle setup: Constitution terms, share value, meeting schedule and cycle dates configured per group.
02Meeting capture: Attendance, share purchases, social fund contributions and fines recorded during the meeting itself.
03Loan ledger: Issuance, repayment tracking and interest against the group fund, visible to every member.
04Share-out: End-of-cycle distribution computed from the ledger, so the arithmetic is not disputed.
05Mobile app: Designed for the field — usable on modest handsets in places where connectivity is not a given.
06Programme oversight: Aggregate views across many groups for the organisations funding or supporting them.

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