Mobilise deposits
Bring daily and group savings into clearer bank-linked records.
The banking opportunity in Rwanda's informal economy.
These customers already earn, save, and borrow - just outside the formal system. Collect turns that existing discipline into deposits, data, and bankable credit relationships.
Bank growth workflow
Convert existing savings discipline into formal deposits, reliable data and bankable credit relationships.
Build data
Turn organised group records into repayment and credit-readiness signals.
Prepare credit
Package MSME and group-backed files for formal bank review.
Grow relationships
Support deposits, lending and diaspora banking under bank approval.
A large savings and credit market already exists, mostly outside formal banking.
Growth Engines for Banks
Reach millions of informal savers through existing ibimina, cooperatives and community networks.
- Daily and periodic microsavings
Collect helps banks design loans around how customers actually earn rather than forcing daily earners into a monthly salary model.
- Daily or periodic micro-repayments
- Earlier visibility of repayment stress
Verified group savings can provide an additional risk-control layer for eligible lending.
- Bank-held savings collateral
- Credit-life or income-protection cover
Collect's Credit Readiness-as-a-Service prepares applicants before formal bank review, helping credit teams receive more complete, structured and decision-ready MSME files.