MifosSave
Community banking, digitized end-to-end
MifosSave digitizes the full lifecycle of self-funded savings groups — meetings, savings, lending, and share-out — offline-first, powered by Mifos Fineract. Built for VSLAs, ROSCAs, and every community banking model.
- Android
- iOS
- Web
Download & beta channels
Ship-ready channels for Android, iOS, and Web. Store links go live as each channel is published.
Paper ledgers don't scale
Millions organize into savings groups — VSLA, ROSCA, ASCA, SHG — to pool savings, issue loans, and share out profits. Run on paper, they face record-keeping errors, fraud, and no transparency. Existing digital tools are online-only or don't cover the full group lifecycle.
Why MifosSave
Offline-first
Full functionality with no internet — every record syncs to Fineract the moment you reconnect.
Meeting-centric
Mirrors how real groups work: attendance → savings → loans → decisions → share-out.
Fineract-backed
Enterprise-grade financial record-keeping via the proven open-source Mifos X core.
Low-literacy UX
Icon-heavy, minimal text, large touch targets — usable by every member.
Transparent
Every member sees group balances, loan status, and share-out projections in real time.
Everything a group does, on one phone
From onboarding to share-out — the whole cycle, digitized.
The whole group, on one screen
Savings, loans, fines and the next meeting — every member's balance, live and offline.
Every share, counted correctly
Group and individual savings side by side — no more torn ledgers or lost passbooks.
Fair payouts, calculated for you
Split the cycle's savings and profit by shares — transparent, auditable, done in seconds.
Join your group with one code
Enter the invite code, preview the group, and you're in — no paperwork, no waiting.
Every meeting, start to finish
Take attendance, collect savings, approve loans and record fines — right on the phone.
Loans the group decides on
Apply, review terms and track repayments — lending powered by the members' own fund.
Meet anywhere. Sync later.
Record everything with no signal — data syncs safely to Mifos when you reconnect.
Invite members in a tap
Generate a secure code and add savers instantly — everyone on the same book.
The meeting lifecycle
MifosSave follows the real rhythm of a group meeting.
- 1
Attendance
Check in members, record fines for absence or lateness.
- 2
Savings
Collect each member's contribution into group and personal accounts.
- 3
Loans
Review requests, vote, disburse, and track repayments from the fund.
- 4
Decisions
Log resolutions, action items, and the secretary's minutes.
- 5
Share-out
At cycle end, split savings + profit by shares — auditable in seconds.
Built for every community banking model
One login, roles per group
Anyone can self-sign-up. After login, capabilities are auto-resolved per group — the same person can organize one group and be a member of another.
Creates & owns a group, acts as its loan officer — approves loans, runs meetings, executes share-out.
Records savings, repayments, fines, and attendance.
Approves loans, chairs meetings, initiates share-out.
Keeps meeting minutes and action items.
Views own savings & loans, requests loans, participates in votes.
Built on Kotlin Multiplatform
Compose Multiplatform
One UI across Android, iOS, and Web.
Offline-first sync
Local-first data with conflict-safe sync to Fineract.
Mifos Fineract core
Groups, savings, loans backed by proven core banking.
Forked from the KMP Template
Shipped as MifosSave via the white-label customizer.
Try it now
Explore MifosSave with seeded demo data — no signup required.
| Role | Username | Password |
|---|---|---|
| Demo Explore (guest) | — tap “Demo Explore” — | no account created |
| Organizer / Treasurer | demo | DemoExplore@2026 |
Tap “Demo Explore” in the app, or sign in with the demo treasurer account below.
Open the DemoBring your savings group online
MifosSave is open source and free. Explore the app, read the code, or fork the template to build your own.