Industry-leading solution connecting
savings groups with opportunity

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Chomoka is a smartphone-supported tool

Offering savings groups- and women in particular- a low risk entry point to the digital economy.

Chomoka makes it easy for groups to track their finances, increase recordkeeping transparency, build a credit history and transition from informal to formal financial inclusion.

Application Features

Digital record keeping

Chomoka guides groups to enter each transaction into the application, creating a digital record of each member’s behavior and financial balances. This empowers members with a digital identity and credit history.

Configurable Calculations

Automated calculations streamline meetings, supporting users through loan disbursements and repayments, and all other regular savings groups transactions. Group share-out distributions and all contributions are calculated as per the group’s selections upon Chomoka set up. These are clearly displayed to ensure transparency throughout.

Works Offline & Online

Built to operate without a data bundle or internet, Chomoka’s simple user interface combines with simple technology to automatically back up records at the end of each meeting. When an internet connection is detected, Chomoka automatically ensures all features are up-to-date.

Market Place

Users can view products and services tailored to savings groups & their members. The marketplace enables product comparison and engagement with providers of financial services, agriculture inputs, health insurance and more, leveraging the data users have already entered in Chomoka.

Chomoka enhances transparency and trust.

“Everything is recorded on the phone and you can’t change it with a pen. This gives us confidence that our records do not change between meetings.”

Zena, Chomoka User

Chomoka saves time

“Before Chomoka, loan recordkeeping could take more than two hours. Now we can finish everything in half an hour.”

Damian, Chomoka Agent

Individual records

“One of the many benefits is the summary that is sent to us by SMS. This helps us to be confident in the records as they are entered.”

- Barua, Chomoka User

Our user’s perception is our reality

Chomoka Development

Chomoka HCD with Tanzania SG Members


Initial Software Development


Launch MVP Chomoka Pilot and Chomoka Marketplace

JAN 2019

Collect and incorporate User feedback and re-release for Pilot II

JULY 2019

Scaling Chomoka

OCT 2019

Our Coverage

Current Location
Coming Soon

Our Partners

chomoka partner chomoka partner chomoka partner chomoka partner chomoka partner chomoka partner

Saving groups are a foundation
of CARE's approach worldwide

CARE’s reach and experience with savings groups globally has informed the design and approach of Chomoka. Through CARE programming in Tanzania and throughout Africa, Chomoka has drawn on a wide range of innovative solutions to understand what has and hasn’t worked in the past. Having worked with over 20 leading FSPs to co-develop product for Savings Groups, CARE sees digitizing savings groups as the next step to promoting financial inclusion and promoting access to economic opportunity.

POWERED BY care international
CARE has supported

7.6+ M





Saving Groups

Frequently Asked Questions

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Let's work together!

Are you an organization which promotes savings groups? Are you looking for a new way to support savings groups to access opportunities? Do you offer a product or service that would be suitable for our marketplace? Are you looking for an opportunity to invest in a social enterprise?

Fill out the form here and we will be in touch!

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