Use cases | Clubmoni

At the stall

Market women can send contributions.

Club savings stay current even when members are busy selling. Clubmoni records a contribution after Tenkipay confirms it. If confirmation is pending, check its status before trying again.

01Send the contribution through Tenkipay.

02See the confirmed receipt and updated wallet in Clubmoni.

03Keep the club record accurate without leaving the stall.

Market woman sending her club contribution using mobile money at a market stall

Contribution sent SLE 50,000 from the stall

Trade unions

Bike riders unions can collect dues.

Clubmoni helps transport unions, rider associations, and worker clubs record dues, issue digital tickets and receipts, and keep member standing current from the field.

01Collect daily or weekly union dues through Tenkipay.

02Issue digital tickets and receipts for each payment.

03Track member standing for access, control, and accountability.

Bike riders union collecting dues and issuing a digital ticket using mobile money

Union ticket issued Bike riders union dues recorded in Clubmoni

Farming cooperative

Seasonal farm clubs can move money together.

Clubmoni keeps input contributions, harvest savings, and repayment plans visible for farm clubs that fund seed, fertilizer, or shared equipment.

01Collect seasonal contributions or seed money from members.

02Track loaned inputs, repayments, and club balances.

03Keep the cooperative record clear for every farmer.

Farming cooperative reviewing club savings and repayments on a tablet

Cooperative ledger updated Farm club savings and repayments in one view

Village projects

Local communities can fund bore holes and shared work.

Families, descendants, and village committees keep contributions for water, school repairs, and welfare transparent in one record.

01Collect project money from relatives and residents.

02Track bore hole costs, materials, and progress.

03Show everyone what was sent and what remains.

Village committee contributing to a bore hole and community project using mobile money

Community project funded Bore hole money kept visible

Family welfare

Families and villages can fund shared projects.

Welfare support, bore hole contributions, and village project funds stay visible in one record that everyone can trust.

01Collect welfare or project contributions from the family club.

02Track bore hole money and shared community goals.

03Keep every member aligned on what was sent and received.

Family contributing to welfare support using mobile money

Family welfare sent Support for relatives kept visible

Alumni giving

Old school alumni can keep their giving together.

Reunion support, thanksgiving giving, and school project contributions stay transparent for everyone in the club.

01Collect reunion or thanksgiving contributions.

02Track support for school projects and shared gifts.

03Show the full alumni record without manual chasing.

Old school alumni club recording a thanksgiving contribution with mobile money

Alumni contribution recorded Thanksgiving giving in one shared ledger

Office susu

Office coworkers can run Osusu at work.

Workplace savings move from the desk to the ledger in one step, with a clear receipt for every contribution.

01Collect weekly or monthly office susu.

02Send a simple Tenkipay receipt to the club.

03Keep the office balance visible without extra paperwork.

Office coworkers contributing to an Osusu club and recording it on mobile money

Workplace susu saved Office contributions recorded after confirmation

Shop lending

Business women can borrow to start a shop.

A club fund can support starter stock, rent, and early repayments while the standing stays visible.

01Fund starter stock or a new shop setup.

02Track loan repayments and open obligations.

03Use the record to guide the next lending decision.

Business women discussing a loan to start a shop and confirming it with mobile money

Shop-start loan tracked Funding for a new business begins here

See how clubs use Clubmoni.