Morokotso
● Live · ProductionDigital savings groups (motshelo) with built-in lending.
The motshelo is a cornerstone of Batswana community life — but as groups grow, notebooks go missing, records get disputed and tracking contributions and loan interest by hand becomes a burden that erodes trust.
Morokotso brings transparency and automation to savings groups — accurate records, clear loan terms and timely reminders — without losing the community spirit that makes them work.
The capabilities that matter, in one product.
Fund management
Create and configure savings funds with contribution tiers, schedules, deadlines, loan rules and interest tiers.
Contribution tracking
Real-time visibility into who paid, when and how much — with waivers, backdated entries and grace periods.
Loans & interest
Request, approve, disburse and repay loans with automatic single-rate or tiered interest and configurable caps and terms.
Member administration
Invite members with secure tokens, assign roles and manage a clear member directory.
Smart reminders
Automated push notifications for deadlines, approvals and announcements, with quiet hours.
Proof-of-payment workflow
Members pay by bank transfer or mobile money and upload proof; admins approve or reject — every payment accounted for.
See it in action.
See Morokotso in action.
Explore the live product to see what it does and how it works.
Engineered, not assembled.
A mobile-first PWA in React/TypeScript on Firebase — Firestore, Cloud Functions and Cloud Messaging — with phone-based OTP auth via Twilio Verify.
Explore our other products.
Have something worth building right?
Whether you’re an institution modernizing operations or an investor backing the next layer of African software — let’s talk.