UMOZA

Save together, fundraise, and grow with UMOZA

UMOZA brings your community together — form group savings cycles, contribute seamlessly, access loans, share interest, and raise funds for what matters most. All in one trusted platform.

Start saving today Explore how it works
30+
Communities
1K+
Active savers
MK 500K+
Raised together
Features

Everything your community needs to save and grow

UMOZA combines group savings, loans, interest sharing, fundraising and communication in one seamless platform.

Group Savings Cycles

Create savings groups, buy shares, and run numbered cycles with a configured share cost and contribution amount.

Recurrent Contributions

Members contribute on time through your preferred payment methods, with live tracking of paid, partial and pending contributions.

Loans & Interest

Access group loans, repay with ease, and earn shared interest when the cycle closes. Built-in loan performance tracking.

Transparent Disbursements

Record and track disbursements to members with full history and per-member performance summaries.

Community Fundraising

Launch fundraisers for medical, funeral, education and community causes. Collect donations online through secure gateways.

Group & Fundraiser Chat

Stay connected with per-group and per-fundraiser chat rooms — send text and images, reply, and tag members in real time.

Secure Payments

Pay through leading mobile money and virtual bank account gateways with live transaction status and validation.

Growth Together

See cycle summaries, interest distribution, and projected totals so every member understands their savings journey.

How it works

From savings groups to fundraising in four steps

Step 1

Create or join a group

Start your savings community or join an existing one. Invite members by phone and assign admin roles.

Step 2

Run savings cycles

Set a share cost and contribution amount, sell shares, and collect contributions from members.

Step 3

Lend and earn

Members access loans from the pool and the group earns interest, shared fairly at cycle close.

Step 4

Fundraise together

Launch public or group fundraisers and collect online donations through secure payment gateways.

Fundraising

Raise funds for what matters most

Launch personal, group or public fundraisers with cover images, goals and social links. Donors contribute online through secure mobile money gateways and every contribution is tracked in real time.

Medical
Transport
School fees
Community
Church
Charity
Browse fundraisers
UMOZA community fundraising
Mobile app

Take UMOZA with you on the go

The full UMOZA experience is coming soon as a native Flutter app for Android and iOS. Manage your savings groups, fundraisers, loans and chats right from your phone.

Android — coming soon
iOS — coming soon

We'll announce release dates here once the stores are live.

9:41
My group
My Savings Group
Total savings
K 850,000
+12% this cycle
Share cost
K 50,000
My interest
K 42,000
Contributions
9:41
Fundraisers
Explore
Search fundraisers
School fees for Aisha
K 360,000of K 500,000
Medical support · Zomba
Church roof · Mzuzu

Trusted by communities across the region

See why groups and fundraisers rely on UMOZA every day.

“Running our savings group used to be a spreadsheet nightmare. UMOZA tracks shares, contributions and interest for us — it's a game changer.”

MB
Mayamiko Banda
Group Admin — Lilongwe

“I can finally see exactly how much interest my contributions are earning. The loan performance tracking is incredibly transparent.”

CP
Chikondi Phiri
Member — Blantyre

“We raised money for a community funeral within days. Donors paid through mobile money and everything settled instantly.”

TM
Tapiwa Mwale
Fundraiser Organizer

“UMOZA combined our savings and fundraising into one place. My whole community is more organised and trusts the numbers.”

GK
Grace Kamanga
Community Leader

Frequently asked questions

Everything you need to know about UMOZA.

Ready to save together and grow?

Join UMOZA today — start a savings group, fundraise, and watch your community flourish.

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