A simple loan tracking app for lenders in Ghana. Record every loan, build the repayment schedule automatically, and see at a glance who has paid and who is overdue — instead of notebooks, spreadsheets and WhatsApp.
Only what a lender actually uses — nothing you'll never touch.
Lending means holding personal information. Akoma is built so you only collect what you need, sensitive fields are encrypted, and every time someone views a Ghana Card or phone number it's logged. You stay in control — and on the right side of Ghana's data protection expectations.
How we protect borrower data →Yes. Akoma works whether you lend as a business or occasionally to people you know. Record the amount, the terms and the repayment schedule, then mark each repayment as it comes in — so you always know the outstanding balance.
No. Akoma is privacy-first: you decide how much to store. You can keep full KYC details or run with minimal records and no contact numbers at all. Sensitive fields are encrypted and access is logged.
Yes. Set flat or reducing-balance interest and the app builds the full repayment schedule with due dates. Overdue installments are flagged automatically and you can apply penalty rules.
You record repayments however you collect them — cash, bank or mobile money. Your own Akoma subscription can be paid by card or mobile money through Paystack.
Set up your lending workspace in minutes. Fourteen-day free trial, no card required.