Members contribute, loans go out, repayments come back — and Halisi Ledger records and balances every shilling on its own. No notebook, no calculator, no late-night arguments over who paid what.
Money in Money out Balances itself
The money always stays in your group's own M-PESA paybill. Halisi only keeps the records — it never holds or moves your cash.
Halisi Ledger
Umoja Chama · live demo
Umoja Chama runs on Halisi Ledger. Press Run walkthrough to watch one full cycle — a member contributes, a loan is disbursed, and a repayment reconciles itself. Or click a step.
2:2278%
Umoja Chama
Paybill 4109871 · 48 members · treasurer view
Live
Contributed · Sep
KSh 312,000
▲ on track
Active loans
6
KSh 170,000 out
On-time repay
94%
▲ healthy
Pool balance
KSh 486,200
in paybill
Contribution
STK push
Disbursement
B2C loan
Repayment
C2B match
Loan requests
1 pending approval
WMWanjiru MwangiKSh 42,000
AOAchieng OtienoKSh 38,500
KKKamau KariukiKSh 51,200
NWNjeri WambuiKSh 29,800
Ledger · auto-reconciled
today
The money never touches Halisi. Every shilling stays in Umoja Chama's own M-Pesa paybill. Halisi Ledger is the software that records and reconciles it — it never holds or moves your cash.
Demonstration with sample data — not connected to live M-Pesa. Names and figures are illustrative.
That's the whole cycle
Your books — done automatically.
Every shilling recorded and reconciled the moment it moves — no manual entry, no chasing members.
Members just use M-PESA exactly the way they already do — nothing new to learn.
The money never leaves your own paybill — Halisi only keeps the records.