The secure way to save, borrow, and grow together.
Digitize your savings group, cooperative, or SACCO. Request contributions via Airtel Money and MTN MoMo, and track every Kwacha automatically in your group ledger.
Watch how payments post instantly.
Choose a cooperative type, trigger a mock handset payment, and see how the ledger updates automatically without any treasurer reconciliation steps.
Mobile Money Integration
Savora connects to MTN MoMo and Airtel Money sandbox environments. Request-to-pay prompts are automatically delivered directly to your members' handsets.
Deploy Webhook Request
App dispatches secure API payload to Airtel/MTN gateway
Handset PIN Approval
Direct USSD collection prompt triggered on member phone
Balance Settlement
Payment status verified & ledger posts immediately
Account name
Tigwilizane Savings Group
Ledger Balance
K3,500.00
Activity History
Agness Banda
Weekly Contribution • MTN MoMo
+K500.00
SettledChileshe Mulenga
Weekly Contribution • Airtel Money
+K500.00
SettledDaka Phiri
Weekly Contribution • MTN MoMo
+K500.00
SettledSimple. Transparent. Automated.
Digitizing the manual ledger process in four clear steps.
Set up your group
Define savings goals, interest rules, and add members by their registered Airtel or MTN phone numbers.
Approve via mobile PIN
Members receive direct payment requests on their phones and confirm with their secure wallet PIN.
Instant ledger posting
As soon as the mobile network completes the transaction, the group ledger updates instantly.
Audit and disburse
Track loan outstanding balances, monitor arrears, and handle automated payouts directly.
Built for your kind of group.
One shared system, tailored to fit the exact financial rules of your cooperative or savings club.
Savings Groups (Chilimba)
The Problem
“Paper books get lost, and calculating weekly payouts by hand takes hours.”
The Solution
Tracks contributions automatically, keeps a digital record that every member sees, and flags payout orders when group rotation rounds complete.
Included Features
- Automatic member notification
- Clear payout order tracking
- Full contribution logs
Agricultural Cooperatives
The Problem
“Co-op shares and seasonal crop input dividends are difficult to distribute and audit.”
The Solution
Maintains clear registries of shares, validates member standing, and handles automated dividend disbursements through mobile money.
Included Features
- Share capital ledger
- Input dividend tracker
- Mobile disbursement list
SACCOs & Credit Unions
The Problem
“Calculating loan interest, tracking collateral, and managing arrears on paper leads to defaults.”
The Solution
Enforces loan application steps, automatically calculates interest based on group rules, tracks payment schedules, and sends due date reminders.
Included Features
- Loan interest engine
- Collateral registries
- Payment plan calendars
General Savings & Fundraising
The Problem
“Tracking custom fundraising targets, causes, or member contributions by chat gets messy.”
The Solution
Consolidates causes into one workspace, showing target progress indicators, flexible contribution support, and direct mobile money collection registers.
Included Features
- Flexible savings targets
- Target goal progress widgets
- Deadline-driven tracking
Where is our money stored?
This is a real financial tool built on absolute transparency. We address the core question directly: Savora does not hold or store a single Kwacha.
Our software serves purely as a digital record keeper. Every transaction settles directly through your own MTN MoMo and Airtel Money merchant wallets, maintaining the same security and control you have always trusted.
No money pooling
We never hold your group's money on our balance sheet. We have no access to your capital, and we do not pool client money into shared bank accounts.
Group wallet custody
All savings and loan capital reside directly in your group's registered MTN Mobile Money or Airtel Money merchant wallet. You maintain absolute custody.
Direct settlement
When a member approves a request-to-pay, their contribution flows directly to your group wallet. Savora only orchestrates the request and updates the ledger.