Microsavings and group savings for daily earners

Collect helps ibimina, community groups and daily earners keep clearer Rwanda MoMo contribution records. Credit readiness and insurance remain planned directions with separate provider requirements.

A community planning its savings togetherSave togetherA shop owner and customer using their phonesEveryday progressA business owner discussing a financial planPrepare for your next step

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

From contributions to clearer records, with future service directions kept separate

01Save

Use the eligible Android app for Rwanda MoMo USSD contributions.

02Build a record

Review pending and reconciled group activity.

03Preparation plans

Credit Readiness-as-a-Service is a planned service direction. No active Collect intake or coordinated preparation service is offered here. Contact IKANISA to ask about the plans.

04Credit direction

Loans, bank deposits, collateral arrangements and loan repayments are provider-dependent directions, not services available through the current Collect app. No lender arrangement, eligibility or approval is promised.

05Protection direction

Insurance and claims support are planned, provider-dependent directions. No insurer, policy enrollment, premium collection, proof of cover or claims journey is available through Collect here.

06Group goals

Keep a stated contribution purpose; no investment or finance return is promised.

Everything Collect brings together

Credit ReadinessCredit Readiness-as-a-Service is a planned service direction. No active Collect intake or coordinated preparation service is offered here. Contact IKANISA to ask about the plans.Read the CRaaS plans
InsuranceInsurance and claims support are planned, provider-dependent directions. No insurer, policy enrollment, premium collection, proof of cover or claims journey is available through Collect here.Read the insurance plans

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.
MSMEsMSMEs can keep group-contribution records. Coordinated loan preparation and specialist services remain planned.

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.

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