Modern Table Banking System for Kenyan Groups

Digitize your Table Banking Group by recording and tracking contributions, loans, fines, dividends, and end year payouts in one secure and transparent system built for Kenyan savings groups.

About Us

Built for Kenyan Saving Groups

Kosalo is a digital platform designed to help table banking groups manage their savings, loans, dividends, payouts and member records more easily.

We understand the challenges many groups face when using manual records and calculating end year payouts, and we provide a simple solution that improves transparency, organization, and trust among members.

Our goal is to support Kenyan table banking groups with a simple digital tool that strengthens accountability, improves organization, saves time, and helps groups focus on what matters most – saving.

Kosalo helps your group keep accurate, transparent, and secure records while you continue managing your money the way you always have.

table banking meeting

How it Works

Getting started with kosalo app is simple. Get started in 4 simple steps.

Create or Join a Group

Start by creating a group as a secretary or join an existing group if you had already been added to one.

Add Members

Secretary Role: Add your group members name and phone number, and invite them to kosalo app to track their savings.

Record Members’ Activity

Secretary Role: Record each members’ contributions, loans, fines, social funds, etc.
Members can view their own activity.

Track Financial Reports

View your personal dashboard and track your loans, savings, dividends and end year payout expected. Also track your group’s cash balance, loans, etc.

Video Tutorials

Watch and learn how to use Kosalo step by step

How to Get Started with Kosalo App | Full Walkthrough

How to Get Started with Kosalo App | Full Walkthrough

How to Create & Setup Your Group in Kosalo App

How to Create & Setup Your Group in Kosalo App

How to record contributions & Loans in Kosalo App

How to record contributions & Loans in Kosalo App

How to Add Members to Your Group in Kosalo App

How to Add Members to Your Group in Kosalo App

Features

Powerful Features built to help your savings group grow and save on time and energy in keeping records and calculating dividends

Contribution & Loan Management ​

Record weekly or monthly member contributions, loans, social funds, development fund, etc. And the system automatically calculates each member dividend and end year payout.

AI Assistant

No more manual entries to the app. Use AI to scan images of your books and record all your contributions and loans for you.

Transparent Reporting​​

Members can view group saving summaries β€” reducing mistrust and misunderstandings.

Role-Based Access

Only the secretary has access to updating contributions, Chairperson, Treasurer, and Members can only view.

Secure Cloud Storage​​

No more lost books or damaged records. Access your records conveniently anywhere.

Mobile Friendly

Access everything from your phone app anytime, anywhere in Kenya. Get notified whenever your records are updated

Kosalo Mobile App

Download the kosalo mobile app and track your savings anywhere, anytime.

Now available on playstore.

coming soon... kosalo app on google play store
kosalo app homepage
Real Stories

Trusted by groups across Kenya

Hear from chama leaders, treasurers, and members who manage their finances with Kosalo every day.

Wilson Kamau
Wilson Kamau Chairperson - BLCP WELFARE Nairobi

“Kosalo has completely transformed how our group manages contributions. No more manual calculations on paper, everything is tracked in real time and every member can see the balance.”

Verified User
Brian Otieno
Brian Otieno Secretary - Bondo SHG Bondo

“We used to spend hours reconciling our records at every meeting. With Kosalo, my work and the treasurer's work takes minutes. I recommend it to every group I know.”

Verified User
Paul Christian
Paul Christian Secretary - Kabambe Moyie Yimbo

“Using kosalo has simplified how we check total savings and give loans. Our meetings take shorter time ever since we started using kosalo app”

Verified User
Maureen Okello
Maureen Okello Kosalo Field Agent Kapiyo

“Simple to use even for members who are not tech-savvy. Groups in Kapiyo are happy. The mobile app works well even on slow internet, which matters a lot in our area.”

Verified User
Reginah Wanjiku
Reginah Wanjiku Member - Tembea SHG Thika

“Transparency was our biggest challenge before Kosalo. Now every member including me, gets instant notifications for every transaction. Trust in our group has improved so much.”

Verified User
Peter Odhiambo
Peter Odhiambo Community Group Chair Bondo

“Setting up was quick and the support team was very helpful. Within one week our whole group of 40 members was onboarded and active on the platform.”

Verified User
Wilson Kamau
Wilson Kamau Chairperson - BLCP WELFARE Nairobi

“Kosalo has completely transformed how our group manages contributions. No more manual calculations on paper, everything is tracked in real time and every member can see the balance.”

Verified User
Brian Otieno
Brian Otieno Secretary - Bondo SHG Bondo

“We used to spend hours reconciling our records at every meeting. With Kosalo, my work and the treasurer's work takes minutes. I recommend it to every group I know.”

Verified User
Paul Christian
Paul Christian Secretary - Kabambe Moyie Yimbo

“Using kosalo has simplified how we check total savings and give loans. Our meetings take shorter time ever since we started using kosalo app”

Verified User
Maureen Okello
Maureen Okello Kosalo Field Agent Kapiyo

“Simple to use even for members who are not tech-savvy. Groups in Kapiyo are happy. The mobile app works well even on slow internet, which matters a lot in our area.”

Verified User
Reginah Wanjiku
Reginah Wanjiku Member - Tembea SHG Thika

“Transparency was our biggest challenge before Kosalo. Now every member including me, gets instant notifications for every transaction. Trust in our group has improved so much.”

Verified User
Peter Odhiambo
Peter Odhiambo Community Group Chair Bondo

“Setting up was quick and the support team was very helpful. Within one week our whole group of 40 members was onboarded and active on the platform.”

Verified User

Frequently Asked Questions​

Everything you need to know about Kosalo App

Ready to Digitize Your Saving Group?

Start today for free and simplify your table banking sessions, clean records, automate dividends and payouts calculations.