Lend, run susu, or do both.
Pick what you need when you sign up — use loans on their own, susu on their own, or run them together in hybrid mode.
The full lending lifecycle — from the first application to the final repayment, no spreadsheets.
- ✓Borrowers with privacy-first KYC
- ✓Flat or reducing-balance products
- ✓Applications, approvals & disbursement
- ✓Repayment schedules & penalties
- ✓Reports, roles & audit trail
Digitise the traditional rotating susu — contributions, payouts and privacy your members can trust.
- ✓Any amount & frequency, your payout order
- ✓Contribution tracking per cycle
- ✓Automatic rotation & payouts
- ✓Member statements & CSV export
- ✓Members' contacts private by default
From sign-up to running, in minutes.
Your whole operation at a glance.
Loans disbursed and collected, outstanding balances, overdue accounts, susu pots and payouts due — all computed live, the moment a payment is recorded.
- ✓Separate loan & susu dashboards
- ✓Overdue & due-today watchlist
- ✓Susu pot vs admin income kept separate
Every loan and every cycle, tracked.
Auto-generated repayment schedules for loans, and a derived ledger for every susu group — contributions, fees and payouts kept strictly separate, corrections by reversal, never deletion.
- ✓Daily, weekly & monthly frequencies
- ✓Partial & early repayment support
- ✓Statements & receipts for members
Your books, protected by design.
We built Akoma Finance privacy-first: store the minimum, encrypt what you do store, and keep every workspace strictly separate.
Built for the way you actually work.
“We moved off three spreadsheets and a WhatsApp group. Now every loan, schedule and repayment lives in one place the whole team trusts.”
“Running my susu used to be a notebook and a lot of trust. Now every contribution and whose turn is next is recorded in one place — no more disputes.”
“The approval workflow and audit trail alone paid for themselves. Our board finally has clean, exportable portfolio reports.”
From ₵39 a month.
Pay for what you run — loans only, susu only, or both. Starter and Growth tiers, billed in Ghana cedis by card or mobile money. No setup fees, no per-transaction charges.
Frequently asked
Run loans and susu in one place.
Create your workspace, pick loans, susu or both, and replace your spreadsheets with one system your whole team will actually use.