Nithio
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A free digital record-keeping app for savings groups and chamas to track contributions and loans, build credit history, and access group insurance in Africa.

Jamii is a free digital record-keeping platform and mobile app for informal saving communities (such as savings groups, iddirs, and chamas) that want to replace paper ledgers with accurate, transparent records and unlock group-based financial services.
Key capabilities include:
Available on Android (Google Play) and iOS (Apple App Store). The website provides onboarding and product information.
Target users include group leaders and treasurers managing community savings records, members who benefit from group insurance cover, and NGOs and organisations that support saving communities and use Jamii.one Insights for data and project efficiency.
It is notable in the Ethiopia and Kenya context for combining free digital bookkeeping for informal groups with inclusive, group-based insurance, supporting financial resilience for low-income communities. Support is available via support@jamii.one.
As of Oct 5, 2026, Jamii is rated 4.6 on Google Play from 26 reviews with 10K+ installs.
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Jamii is a free digital record-keeping platform and mobile app for informal saving communities such as savings groups, iddirs, and chamas. It helps groups track contributions, loans, repayments, and records digitally, and can also unlock group-based insurance products.
Jamii’s core digital record-keeping app is free. Insurance and other financial products offered through the platform are paid services, but specific pricing is not publicly listed.
Jamii operates in Ethiopia and Kenya, and it is also based in Denmark. It is used in broader Sub-Saharan Africa through savings-group and partner initiatives.
You can sign up through Jamii’s website and get started with the mobile app. The platform is designed so one smartphone can be used on behalf of a group.
Yes, Jamii is available on iOS and Android. You can download Jamii on the App Store for iPhone, or get it on Google Play for Android.
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