BUILT FOR AFRICAN MICROFINANCE

Every repayment, the moment it happens.

Rejesho replaces the paper passbook with one live record of every loan and collection, from the field officer’s phone to head office, across every branch.

Create your accountTry the demo account

SMS receipts · Individual loans · Every branch in one view

Rejesho, screen by screen

  1. DashboardEvery branch, every collector and today’s visits in one view.
    app.rejesho.com
  2. CollectType the total a member pays. The split and the receipt follow.
    app.rejesho.com/collections
  3. Member passbookThe paper passbook, live: every repayment dated and attributed.
    app.rejesho.com/members
  4. SMSA receipt on the member’s phone before they walk away.
    app.rejesho.com/sms

SMS receipts on every Tanzanian network

  • Vodacom
  • Airtel
  • Mixx by Yas
  • Halotel

COMPANY CREDENTIALS

Rejesho is a solution by Kaypee Group Limited

Legal entity
Kaypee Group LimitedPrivate limited company, Dar es Salaam, Tanzania
D-U-N-S® Number
85-041-8647
Verification
Verified by Dun & Bradstreet against the national company registry, December 2024
Check the number at dnb.com (opens in a new tab)

THE PROBLEM

The passbook is paper. The truth is scattered.

A member’s balance lives in a booklet, the officer’s notebook and a spreadsheet at the branch. None of them agree by Friday.

  • Balances drift

    The booklet, the notebook and the branch ledger disagree, and reconciling them costs a day a week.

  • Arrears surface late

    A loan in trouble is visible only after the visit, when the officer is already back at the branch.

  • Reporting is retyping

    Board and regulator reports are rebuilt by hand from paper every month.

Overhead view of a collection on a wooden table: one pair of hands counts Tanzanian shilling banknotes while another writes in a handwritten RISITI receipt, beside a desk calculator and a handwritten ledger ruled into date, amount and balance columns.
A man in a blue shirt sits at a desk with his head in his hands, in front of a laptop showing a dense spreadsheet and surrounded by scattered printed reports and a calculator.

THE SYSTEM

Everything a branch runs on, in one place.

Modules that already match how an African MFI actually works, not a generic ledger bent into shape.

Collections

Plan the day, capture every payment.

Clients

Register once. Track every client.

Loans

Disburse, schedule, catch arrears early.

SMS

Every payment confirmed to members.

Rejesho App

Works with no signal. Now in testing.

Branches & reports

Every branch rolls up to head office.

How it works

Three steps, one day’s work.

  1. 01

    Register the member

    Capture the client once, at the branch or in the field.

  2. 02

    Collect in the field

    The officer opens the day’s visits, records each payment, and the member gets an SMS before they walk away.

  3. 03

    Reconcile at the branch

    The session closes against expected totals. What came back is known by the end of the day.

Collections

The collection session, closed the same day.

The officer leaves the branch with the day’s visits already planned. Every payment is captured where it happens, and the total is reconciled against what was expected before the branch closes.

  • Visits planned by route
  • Captured at the point of payment
  • Session totals signed off
A shopkeeper smiling behind the counter of her general store in Dar es Salaam, a phone on the counter beside her.
Repayment receivedTZS 25,000

M-Pesa · SMS sent

Session: 14 of 18 collected

SMS & member trust

The member knows before they walk away.

Every confirmed payment sends an SMS with the amount, the date and the balance remaining. No argument at the next visit.

  • Instant SMS receipt
  • Sent in the member's language
  • Delivery status on every message
See SMS in a live demo
RREJESHOText message · Today

Habari Amina. Tumepokea rejesho la TZS 25,000 kwa M-Pesa tarehe 2026-09-30. Risiti RC-8842. Salio la mkopo ni TZS 175,000. Asante. Heroic Finance.

10:42 · Delivered

Passbook

The passbook the member already trusts, now live.

Every repayment posts to one running record of the loan, beside the security deposit held against it. At closure the deposit settles what is left and the rest goes back to the member. Nothing depends on a booklet surviving the journey home.

  • Every entry dated and attributed
  • Security deposit tracked to the shilling
  • The member's SMS states the balance
Women seated together on the ground in a village, thatched huts behind them.
Loan passbookPosted
DateRepaidBalance
  • 2026-09-23TZS 25,000TZS 200,000
  • 2026-09-30TZS 25,000TZS 175,000
Security depositTZS 50,000

PRICING

Priced for the institution, never per member.

Three plans, VAT included, paid up front for 3, 6 or 12 months. Every plan has the whole product; they differ in staff, branches, clients and monthly SMS.

Pay up front for

  • FOUNDATION

    TZS 41,667/month

    TZS 500,000 billed every 12 months, VAT included

    For one office starting to leave the paper passbook behind.

    • 5 staff users
    • 1 branch
    • Up to 500 clients
    • 50 SMS a month
    • Collections, passbook, individual lending, SMS receipts
    Get started on the FOUNDATION plan

  • Most popular

    BUSINESS

    TZS 104,167/month

    TZS 1,250,000 billed every 12 months, VAT included

    For a growing institution with a few branches and a field team.

    • 20 staff users
    • 3 branches
    • Up to 2,000 clients
    • 300 SMS a month
    • Collections, passbook, individual lending, SMS receipts
    Get started on the BUSINESS plan

  • INSTITUTION

    TZS 208,333/month

    TZS 2,500,000 billed every 12 months, VAT included

    For a network of branches, with no limit on staff or clients.

    • Unlimited staff users
    • Unlimited branches
    • Unlimited clients
    • 1,000 SMS a month
    • Collections, passbook, individual lending, SMS receipts
    Get started on the INSTITUTION plan

Pay up front for your first term. If Rejesho does not fit your institution, we refund your first payment in full within 30 days. SMS beyond the monthly allowance is charged separately, at network rates you can see before you send.

QUESTIONS

Answers, before you ask.

What happens if the connection is slow?

In the office, Rejesho runs in any browser and is built light on data. In the field, the Rejesho App for collectors, now in testing, keeps recording payments with no signal and posts each one once when the network returns.

What happens to our existing paper records?

You import members, loans and balances at onboarding. The paper passbook stays valid until you retire it.

What languages does the interface support?

English and Swahili, on every screen. Each person switches language from the top bar, and member SMS is sent in Swahili by default.

How is SMS charged?

Every plan includes a monthly SMS allowance. Beyond it, per message at network rates, billed separately from your plan. You see the balance before you send.

Can we run more than one branch?

Yes, on the Business and Institution plans; Institution has no branch limit. Each branch reconciles on its own, each person works in the branches they are given, and head office sees every branch in one consolidated view.

What if a field officer forgets their password?

They reset it themselves: enter their email or phone number, and a code comes to them. They choose the new password, and nobody else ever sees it.

Something else? Talk to us.

Contact sales

Close the books before you close the branch.

Pay up front for your first term. If it does not fit your institution, your first payment comes back in full within 30 days. No installation fee, and no charge to migrate your records.

Create your accountExplore the demo account