Karny

Karny is a free digital credit book app for small merchants who sell on credit and need a simple way to track what customers and suppliers owe.

Key features include:

• One-tap credit and payment entries for customer and supplier accounts, with clear transaction details to reduce manual errors.
• WhatsApp and SMS reminders that send customers their balance and payment details to support faster debt collection.
• Automatic online backup and recovery tied to the user’s phone number, so records can be restored after a lost or changed phone.
• PDF exports of transaction history for sharing or record-keeping.

Available on Android.

It fits individual shop owners, grocery stores, wholesalers, and artisans who manage informal credit in day-to-day retail and trade.

Notable in Morocco, the app is developed by CHARI.MA and is used by 1,000+ merchants across 30+ cities. It focuses on privacy, with that the user owns and that is not shared with third parties.