POKOTO
Turn paper ledgers into transparent, audit-ready savings groups in a single afternoon.
A complete Village Banking and Savings Group management platform helping groups manage contributions, loans, repayments, reporting and members digitally.
Designed, built and maintained by WATHACI
Key features
What you actually get with POKOTO.
Never lose a contribution
Every deposit, loan and repayment is logged, timestamped and visible to members.
Loans that balance themselves
Interest, schedules and arrears are calculated automatically — no spreadsheet gymnastics.
Reports members trust
Cycle statements and share-outs generate in seconds, ending end-of-year disputes.
Built for every member
Works on modest Android phones and patchy connections, not just head-office laptops.
- Digital village banking
- Loan tracking
- Financial reports
- Member management
- Mobile friendly
Why it matters
Built for Zambia's savings groups
Village banking moves real money through communities every week, yet most groups still run on exercise books that go missing and arithmetic no one can verify. POKOTO gives those groups the same financial discipline a bank enjoys — without the cost or the complexity.
- Cuts share-out reconciliation from days to minutes
- Gives members confidence their money is tracked
- Creates the records groups need to access formal credit
Who it's for
Savings groups, cooperatives, microfinance operators and community banks.
Community savings groups running weekly cycles
Cooperatives managing member loan books
Microfinance operators supervising many groups
Built by WATHACI
Engineered in-house by the same team that advises on governance, compliance and finance.
Live and in use
POKOTO is deployed and serving real users today — not a concept or a prototype.
Supported long term
Ongoing maintenance, training and enhancements from a Lusaka-based team you can reach.
Ready to put POKOTO to work?
Explore the platform yourself, or talk to our team about a guided walkthrough tailored to how your organisation operates.
Or email us at support@wathaci.com