Finance built around real income
People earn daily. Finance still works monthly.
Around 90% of employment in Rwanda is informal. Many people earn small, irregular amounts each day, while conventional savings, credit and insurance products are structured around monthly salaries, larger deposits and lump-sum repayments.
96%Rwandan adults financially included
85%Adults saved formally or informally
72%Adults using informal mechanisms
24%Adults using formal borrowing
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From zero fee microsavings to capital accumulation and credit access
01SaveGroup Savings via the app or USSD.
02Build a recordBuild savings history and capital accumulations.
03PrepareGet guidance on loan requirements and support to credit readiness.
04Access creditUse group savings as collateral for loan application.
05ProtectAccess suitable insurance for income, savings protection.
06GrowUse capital for business, productive assets or community goals.
Everything Collect brings together
Group SavingsDigitise group savings via zero-fee microsavings and grow accumulated group capital.Explore Group Savings
Diaspora Group SavingsSave together through a host-country partner bank and build collateral, access credit and capital to invest home.Explore Diaspora
Credit ReadinessMove from a loan inquiry to a complete, structured, bank-review-ready loan application file.Explore CRaaS
InsuranceAccess insurance designed around daily and irregular income patterns to protect income and savings.Explore Insurance
Built for people who earn, save, and borrow differently
IbiminaRotating and accumulating groups that need readable activity records.
Daily earnersPeople saving in small amounts around daily or irregular income.
MSMEsHelps businesses understand requirements, coordinate specialist services and prepare bank review-ready loan file.
DiasporaDiaspora group savings at host-country partner banks. Collateral pledged and Credit access.
Payments work. Financial progress still does not.
Daily-income mismatch90% of employment is informal, yet finance is designed around monthly salaries and lump-sum payments.
Invisible group savings52% of adults save through ibimina, but many records remain manual and cannot support formal credit.
Credit-readiness gapRwanda has extensive payment agents, but no scalable last-mile service helping MSMEs prepare complete, bank-ready loan files.
Microinsurance gapPremiums and claims processes rarely match small, irregular daily incomes.
Diaspora credit barriersMobility risk, thin credit histories, unstable employment and insufficient acceptable collateral restrict access to affordable host-country loans.
