🎉 BoT MSP2 automation is live
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✨ NEW · APRIL 2026 12 integrated modules now shipping

Loan Management.
Powered by 12 Smart Modules

The complete core banking platform built for Tanzanian microfinance. From loan application to MSP2 quarterly return — moja kwa moja.

Get Started Today 🚀 See Pricing 💬 Chat on WhatsApp
✓ 30-day free trial · ✓ No credit card · ✓ Cancel anytime · ✓ 2 months free annually
🔒 app.watukopesha.co.tz/admin
Live
Dashboard

Habari, Raphael! 👋

Active portfolio · Thursday, 24 Apr 2026

Outstanding
Tsh 284M
↑ 8.4% ↗
Collections
Tsh 48.2M
↑ 18% · 30d
PAR > 30
4.6%
Stable ✓
Borrowers
1,847
+22 new ⭐
Daily repayments · Apr 2026
Tsh 48,243,500 collected 🎯
Principal Interest
🏛️
Bank of Tanzania · MSP2
Q1 2026 return is ready to submit
📈 TRUSTED ACROSS TANZANIA

Numbers that speak for themselves.

🏦
50+
MFIs & SACCOS
👥
10K+
Active borrowers
💰
Tsh 4.2B
Disbursed
⚡
99.9%
Uptime SLA
Used by institutions from
Kilimanjaro SACCOS◆ Mbeya Village Bank◆ HBS Microfinance◆ Dodoma Women's Fund◆ Morogoro VICOBA◆ Simanjiro Livestock◆ Arusha Traders Co-op◆ Kilimanjaro SACCOS◆ Mbeya Village Bank◆ HBS Microfinance◆ Dodoma Women's Fund◆ Morogoro VICOBA◆ Simanjiro Livestock◆ Arusha Traders Co-op◆
🧩 12 INTEGRATED MODULES

One platform.
Every workflow covered.

Each module shares the same database and general ledger. No CSV bridges. No integration fees.

💳
Module · 01

Loans

5 interest methods · solidarity groups · restructure · write-off.

🏦
Module · 02

Savings · Akiba

Products · deposits · withdrawals · interest posting.

📒
Module · 03

Accounting

Double-entry · CoA · journals · TB · BS · P&L · cash flow.

💸
Module · 04

Payroll · TZ

PAYE · NSSF · NHIF · SDL · WCF — auto computed.

🧑‍💼
Module · 05

HR

Employees · departments · leave · attendance.

🧑‍🤝‍🧑
Module · 06

Groups · Vikundi

Solidarity · meetings · attendance · collection sheets.

🏷️
Module · 07

Fixed Assets

Register · depreciation · disposal · GL posting.

📦
Module · 08

Inventory · Bohari

Items · warehouses · stock movements · issues.

🧾
Module · 09

Procurement

Suppliers · POs · GRNs · invoices · payments.

📈
Module · 10

Analytics

Arrears aging · PAR · collections · loan officer.

📱
Module · 11

Client Portal · PWA

Phone + SMS OTP · offline-capable · works on 2G.

🏛️
Module · 12

BoT MSP2 NEW

All 10 quarterly sheets — computed automatically.

🇹🇿 MADE IN ARUSHA, TANZANIA

Built for Tanzania.
Not imported.

Every feature reflects how Tanzanian MFIs actually operate. Swahili labels. Cash-heavy operations. Mobile money. cPanel hosting. Ya Tanzania, kwa Tanzania.

🇹🇿
Bilingual SW / EN
Every screen, every button, every report.
📱
Mobile money native
M-Pesa · Tigo Pesa · Airtel · HaloPesa.
🏛️
BoT compliant
MSP2, PAYE, NSSF, NHIF, SDL, WCF.
🖥️
Runs on cPanel
Deploy anywhere. Plain PHP + MySQL.
🏅
Awarded
Best TZ MFI Platform 2025
⭐⭐⭐⭐⭐
4.9 / 5 · 50+ reviews
✓
TBA compliance verified
🔒
256-bit TLS · daily backups
🏆
Voted #1 by Arusha MFI forum
⚡ KEY FEATURES

Everything you need.
Nothing you don't.

📊 FINANCIAL REPORTS

Live financial reports — always up to date.

Trial balance, balance sheet, P&L and cash flow — all computed in real time from your journal entries. No closing cycles. No waiting.

  • Export PDF, Excel, CSV
  • Branch-level & consolidated views
  • Drill down to individual transactions
Trial Balance — Live
as at 24 Apr 2026
✓ BALANCED
CodeAccountDebitCredit
1010Cash — HO12,450,000
1110Bank — NMB88,200,000
1300Loans receivable284,120,000
2200Client savings72,900,000
4000Interest income34,018,420
5000Salaries18,400,000
Payslip · PS-240412
Neema Mwakasege · Loan Officer · Apr 2026
Net Pay
Tsh 682,400
Earnings 💚
  • Basic850,000
  • Housing150,000
  • Transport80,000
  • Gross1,080,000
Deductions 🔻
  • PAYE−172,000
  • NSSF (10%)−85,000
  • NHIF (3%)−25,500
  • Staff loan−115,100
  • Total−397,600
Employer cost: SDL 37,800 · WCF 5,400 · NSSF 85,000 · NHIF 25,500 ✓ Posted to GL
💸 TZ STATUTORY PAYROLL

Payroll. No spreadsheets.

PAYE, NSSF, NHIF, SDL, WCF — all auto-computed against the current bracket table. Payslips delivered as PDF. One click posts to the GL.

  • Tanzania FY 2024/25 PAYE brackets seeded
  • Bulk run for multi-branch payroll
  • Staff loan deductions handled automatically
🏛️ BANK OF TANZANIA · MSP2

Quarterly reporting,
automated.

All 10 MSP2 sheets computed directly from your ledger. Saved as versioned snapshots. Exported as CSV — ready for BoT upload.

📊
MSP2-01
Balance Sheet
📈
MSP2-02
Income Stmt
🌾
MSP2-03
Sectoral
💹
MSP2-04
Interest Rates
💧
MSP2-05
Liquidity
📣
MSP2-06
Complaints
🏦
MSP2-07
Deposits
🌐
MSP2-08
Agent Banking
💰
MSP2-09
Disbursements
📍
MSP2-10
Geographic
See MSP2 Demo 🏛️
🤖 NEW · AI INSIDE

60 AI agents trained for microfinance work

Powered by OpenAI · Reads your data, never your secrets

💰 Tsh 50 / credit (1,000 tokens) 💬 Tsh 30 / SMS (160 chars) · flat pricing, no contract
📊

Borrower Risk Scorer

Reads 12 months of borrower history, returns a 1-100 risk score with three specific reasons in 3 seconds.

✅

Loan Approval Assistant

APPROVE / REJECT / REQUEST_INFO recommendation per application. Cuts committee time from days to minutes.

🏛️

MSP2 Compliance Checker

Reviews your quarterly BoT figures and flags issues before submission. No more rejected returns.

💎

Loan Profitability

Per-loan net profit calculation: interest + fees minus cost of funds, opex, and expected loss.

👔

40 agents for staff

Daily operational AI for loan officers, accountants, branch managers.

💎 Profitability 5
💳 Lending 5
🧑 Customer 4
🔬 Analysis 10
📈 Loans/Borrower 5
📒 Finance 4
🏛️ Compliance 3
⚙️ Operations 4
🏆

20 agents for owners

Strategic, board-level AI for shareholders and oversight.

📋 Strategy 3
💰 Profitability 4
📈 Growth 3
🌡️ Portfolio Health 5
🏆 Comparative 3
🛡️ Compliance 2
🔒
Your data, your DB
Agents read your live database, never copy it. OpenAI does not train on your prompts.
🚫
Key never logged
Your OpenAI API key is encrypted in the DB and recorded as ••• redacted ••• in audit logs.
⚡
2-5 sec response
Every agent typically replies in under 5 seconds with structured JSON or plain-language insight.
📲 NO APP STORE NEEDED

Install on any device

Full Progressive Web App. Click Install in Chrome and it lives on your desktop or home screen like a native app — but with zero install size, instant updates, and no app-store approval.

🖥️

Admin · Chrome desktop

For loan officers, accountants, branch managers.

  • ✓One-click 📲 Install button in the app bar
  • ✓Lives in Start Menu / Dock as its own window
  • ✓Long-press shortcuts: New Loan · Repayment · AI
  • ✓Cached assets — opens in under 1 second
Chrome · Edge · Brave · Opera
⭐ MOST USED
📱

Client Portal · Mobile

Borrowers on Android & iPhone.

  • ✓Floating 📲 Install App pill on first visit
  • ✓Bottom nav: Home · Loans · Statement · Profile
  • ✓Phone + OTP login — no password to remember
  • ✓Works offline — view loans even with no signal
Chrome (Android) · Safari (iOS)
📊

Owner Portal · Anywhere

Read-only oversight for shareholders.

  • ✓Dark theme · works on tablet, laptop, desktop
  • ✓Bottom nav: Dashboard · Reports · 🤖 AI · Logout
  • ✓20 strategic AI agents one tap away
  • ✓Quick board-room dashboards on the go
Any modern browser
⚡
Instant launch
Cached assets open in <1s
📡
Works offline
View what's cached, friendly offline page
🚫
No app store
No 100MB downloads, no approval delays
🔄
Auto-updates
Push a fix, every device picks it up next launch
🚀 HOW IT WORKS

From demo to live —
four simple steps.

Most MFIs go from first demo to full go-live in 2–3 weeks.

1

Try the demo 👀

Explore the live instance. No signup.

2

30-day trial ⚡

We install on your cPanel. Free training included.

3

Pick a plan 📋

Starter, Growth, or Enterprise. Cancel anytime.

4

Grow 🌱

Add branches, modules, users. We support you.

💰 SIMPLE PRICING

Real prices.
In Tanzanian Shillings.

Unlimited users. Cancel anytime. Annual billing saves you 2 months.

Basic

🌱

For single-branch MFIs starting out.

Tsh 350K /mo
Up to 500 active loans · 1 branch
  • Core: loans, repayments, savings
  • Double-entry accounting
  • Client portal + SMS OTP
  • Analytics & 100+ reports
  • Email support
  • ×AI agents (add-on, pay per use)
Start Free Trial

No credit card · cPanel install included

⭐ MOST POPULAR

Standard

🚀

For multi-branch MFIs ready to scale.

Tsh 850K /mo
Up to 5,000 loans · 5 branches
  • Everything in Basic
  • HR & Payroll (PAYE, NSSF, NHIF, SDL, WCF)
  • Inventory & Procurement
  • Fixed assets & depreciation
  • BoT MSP2 — automated 🏛️
  • Group lending + meetings
  • 🤖 60 AI agents — pay per use
  • WhatsApp + phone support
Start Free Trial

30-day trial · data migration included

Professional

🏢

National / SACCOS scale operations.

Custom
Typically Tsh 2.5M–8M/mo
  • Everything in Standard
  • Dedicated VPS + SSO
  • Custom report builder + API
  • Migration from Loandisk / Musoni
  • 🤖 AI credit bundle included
  • 24/7 named support engineer
  • On-site training + 99.9% uptime SLA
Talk to Sales

Tailored quote · 4–6 week rollout

📊 USAGE-BASED

Pay only for what you send / generate

🤖
AI credit
Tsh 50 / credit
1 credit = 1,000 tokens · typical agent run = 1-3 credits
💬
SMS message
Tsh 30 / SMS
Up to 160 characters · longer messages billed per part

All usage charges itemized in your monthly invoice. No minimums.

✓100% money-back · first 30 days ✓Cancel anytime ✓Annual saves 2 months ✓Tsh only — no FX surprises
💬 CUSTOMER LOVE

From our pilot cohort.

⭐⭐⭐⭐⭐
“Closing our quarterly MSP2 return used to take three nights. Now it’s a button. The auditors stopped asking questions.”
MK
Mwalimu Kapinga
Accountant · Mbeya Village Bank
⭐⭐⭐⭐⭐
“My officers have Swahili labels. My owner reads English dashboards. Our clients get SMS statements. It feels built for us.”
AS
Anna Sanga
Branch Manager · HBS Microfinance
⭐⭐⭐⭐⭐
“We moved from Loandisk in 11 days. Our accountant thought it would take a month. PAYE is right the first time.”
JN
James Ngowi
Manager · Dodoma Women’s Fund
❓ FAQ

Got questions?
We have answers.

Didn’t find yours? Email us in Swahili or English — sales@watukopesha.com

💬
Still deciding?

Book a 45-min walkthrough with our team in Arusha.

Book a walkthrough

Do we need our own server, or do you host it?

⌄
Both work. Starter and Growth run on any cPanel hosting (from Tsh 180K/year). Enterprise gets a managed VPS with 99.9% uptime SLA. Everything is plain PHP + MySQL — portable by design.

Is this really Bank of Tanzania MSP2 compliant?

⌄
Yes. All 10 MSP2 sheets (BS, IS, sectoral, rates, liquidity, complaints, deposits, agent, disbursements, geographic) computed from your ledger. Snapshot per quarter. CSV export ready for upload.

How long is migration from our current system?

⌄
From Excel: a weekend. From Loandisk / Musoni: 10–14 days with full opening-balance tie-out. Borrowers, loans, savings, history — all reconciled before go-live.

What about statutory — NSSF, NHIF, PAYE?

⌄
FY 2024/25 PAYE brackets seeded. NSSF 10%/10%, NHIF 3%/3%, SDL 3.5%, WCF 0.5% defaults — editable. PDF payslips. Auto GL posting. Bracket updates tracked quarterly.

Can field officers use it on cheap phones & rural 2G?

⌄
Yes. All portals are installable PWAs with offline fallback. Client portal built for low-end Android, renders under 120 KB of JS.

Who owns the data? Where does it live?

⌄
You do. Full stop. Your MySQL DB lives on your hosting. Export is one mysqldump away. No vendor lock-in.

Is there a free trial?

⌄
30 days, no credit card. We install, seed demo data, walk you through in 90 min (SW or EN). If you migrate, we credit the trial to your first month.
🎉 READY WHEN YOU ARE

Ready to transform
your MFI?

Join 50+ Tanzanian institutions running on WatuKopesha. Demo today. Live in days. Tuko tayari. 🇹🇿

🚀 Try Free Demo 💬 Chat on WhatsApp
📞
Call us
+255 756 24 02 02
✉️
Email
sales@watukopesha.com
💬
WhatsApp
Chat in Swahili