Built for Africa's financial institutions

The complete platform for microfinance excellence

From client onboarding to regulatory reporting — Victoria base gives MFIs, SACCOs, NGOs, and digital lenders a single powerful system to manage every shilling.

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10+
Organisation types
19
Integrated modules
100%
BoT compliant
EN/SW
Bilingual support
Victoria base — Amana Microfinance Ltd · Dashboard
Dashboard
Clients
Loans
Reports
Savings
Compliance
Portfolio Overview ● Live
Loan Portfolio
TZS 4.2B
▲ 12.4% vs last month
PAR > 30 Days
2.8%
▼ 0.4% improvement
Active Clients
8,642
▲ 347 this month
Disbursements — 6 months
Repayment trend
Built for every institution

One platform, every organisation

Select your institution type at setup and the entire system — modules, terminology, chart of accounts, and compliance rules — configures itself automatically.

🏦
Microfinance Institution
Group lending, PAR tracking, teller cash, regulatory returns
🤝
SACCO
Member shares, dividends, cooperative governance, AGM reports
🌍
NGO / Foundation
Grant management, fund accounting, donor reporting, outcomes
📱
Fintech / Digital Lender
e-KYC, credit scoring, API gateway, mobile money, instant decisions
🏭
Manufacturing
BOM, production orders, WIP, COGS, finished goods tracking
🛒
Retail / Wholesale
POS, stock transfers, purchase orders, margin analysis
🎓
Educational Institution
Student registration, fee structures, timetable, academic reports
🏥
Healthcare Facility
Patient records, pharmacy, inpatient billing, NHIF integration
⛪
Faith-Based Organisation
Membership, tithe/offering tracking, outreach fund accounting
💼
General SME
AR/AP, invoicing, expense tracking, payroll, general ledger
Core capabilities

Everything you need, nothing you don't

Every feature was designed for the operational realities of East African financial institutions.

🧙
Guided Setup Wizard
A structured, unskippable wizard that configures your entire system — chart of accounts, posting rules, org hierarchy, compliance — before you serve a single client.
📊
Regulatory Chart of Accounts
Pre-built COA templates aligned with BoT requirements for MFIs, cooperative regulations for SACCOs, and IFRS standards — seeded automatically at setup.
🔒
AML & KYC Compliance
Integrated NIDA e-KYC verification, automated AML screening against sanctions lists, configurable KYC refresh policies by client risk category.
💰
Smart Accounting Engine
Posting rules configured once at institution level cascade to every product. Every disbursement, repayment, and deposit posts correctly — automatically.
📅
Automatic Period Generation
Define your financial year once. The system generates five years of accounting periods instantly, aligned with your regulator's reporting calendar.
🌐
Swahili & English
Full translation architecture from day one. Head office staff operate in English; field officers in rural areas switch to Swahili. Same data, both languages.
🏢
Multi-Branch Hierarchy
Build your org structure from head office down to service points. Each unit gets its own cost centre for branch-level P&L and balance sheet reporting.
🔐
Dual-Control Workflow
Any change to core institution settings requires a separate approver. No self-approval. Every change is permanently logged in an immutable audit trail.
📈
Rate Cap Enforcement
Configure your regulator's maximum lending rate. The system calculates total cost of credit on every product and refuses to save any product exceeding the cap.
Setup experience

Live in 45 minutes, configured for life

Our guided wizard walks you through every configuration decision — from legal identity to chart of accounts — before you can process a single transaction.

1
Organisation type & legal identity
Select your institution type — this reshapes the entire system.
2
Financial foundation
Currency, financial year, 5 years of periods generated automatically.
3
Chart of accounts
Regulatory COA pre-loaded and ready to customise.
4
Compliance & KYC
AML screening, credit bureau, rate caps — all configured here.
5
Review & go live
Dual confirmation, password re-entry, then everything seeded instantly.
Institution Setup Wizard
Step 2 of 11
Legal Identity
Full legal name
Amana Microfinance Company Ltd
Registration no.
CO-2019-00847
TIN
109-456-823
Primary regulator
Bank of Tanzania (BoT)
Organisation type
🏦 MFI
🤝 SACCO
🌍 NGO
📱 Fintech
Compliance built in

Regulated by BoT? We've got you.

Every compliance requirement is a first-class feature — not an afterthought add-on.

🪪
NIDA e-KYC Integration
Verify clients instantly against Tanzania's National Identification Authority database. Every check logged permanently.
● Active
🛡️
AML / CTF Screening
Live screening against World-Check, FIU watchlists, and Dow Jones. Automatic block on match with compliance officer review workflow.
● Active
📋
Credit Bureau Reporting
CreditInfo Tanzania and D&B Tanzania integration. Automated monthly extraction and submission — mandatory for BoT-regulated lenders.
● Active
⚖️
Interest Rate Cap Enforcement
Configure the regulatory maximum. The system calculates full APR on every product including all fees and blocks products that exceed the cap.
⚠ Enforced
📄
Licence Expiry Alerts
90/60/30/14/7-day automated alerts to compliance officers. A permanent red banner appears on all screens the moment a licence expires.
● Monitoring
🔁
KYC Refresh Tracking
Configurable refresh intervals by client risk category — standard, high-risk (PEPs), and low-risk. Automatic expiry alerts generated per client.
● Active
Simple pricing

The right plan for every stage

No surprise price hikes. Every plan includes the full setup wizard and all compliance tools.

Starter
For small SACCOs and community MFIs just getting started.
TZS 180K
per organisation / month
  • Up to 500 active clients
  • 2 branch units
  • Core loan & savings modules
  • Basic compliance tools
  • English interface
Get started
Most popular
Growth
For regulated MFIs and SACCOs ready to scale.
TZS 480K
per organisation / month
  • Up to 5,000 active clients
  • 10 branch units
  • Full AML & e-KYC integration
  • Credit bureau reporting
  • English + Swahili
  • Multi-currency support
Start free trial
Enterprise
For large MFIs, national SACCOs, and multi-entity groups.
Custom
contact our team
  • Unlimited clients & branches
  • Multi-entity architecture
  • Consolidated reporting
  • Dedicated implementation
  • SLA-backed support
  • On-premise option
Contact sales
What our clients say

Trusted by institutions across East Africa

"
The setup wizard alone saved us three months of implementation time. Our chart of accounts was pre-loaded for BoT compliance — we just reviewed and confirmed.
MK
Mama Khadija
CEO, Tumaini Microfinance, Dodoma
"
Our field officers are not accountants. With Nile Axis in Swahili, they handle client registration and loan disbursements flawlessly from their tablets in the field.
JM
James Mwaura
Operations Director, Umoja SACCO, Arusha
"
The AML screening and KYC refresh tracking means we've never had a compliance breach since going live. Our BoT auditors were genuinely impressed with the audit trail.
FN
Fatma Nguyen
Compliance Manager, Baobab Finance, Dar es Salaam
Ready to start?

Start your free 14-day trial today

No credit card required. Full access to all features. Our team will guide you through setup.

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