Core banking for Ghana's savings economy
You hold other people's savings. Keep books that prove it.
Susu cycles, savings plans, passbooks and a full loan book; every one of them posting to a double-entry ledger, with a member app your savers can check for themselves.
The problem
The money and the record do not tally — and you find out late.
- Recorded collected
- ₵4,650.00
- Cash banked
- ₵4,200.00
- Unaccounted
- ₵450.00
Arrears surface three weeks late. A loan sits overdue because nothing flags it until someone opens the file.
Month end takes days. One person rebuilds the figures from four notebooks and a WhatsApp thread — every month.
"I paid that week." No shared record to settle it. You lose the member or the money.
The claim
Not a tracker with a balance column. A ledger that can be audited.
Every transaction posts to a double-entry ledger. Every member carries a verified identity. Every action that moves money can be put behind a second approver. And the proof is the oldest one in the book — a trial balance that ties out.
"A savings business without a ledger is a tracker, and we will not ship that."
The ledger is on every tier, including the free one.
| ACCOUNT | DEBIT ₵ | CREDIT ₵ |
|---|---|---|
| Cash at bank | 842,300.00 | |
| Loans receivable | 1,284,500.00 | |
| Member deposits | 1,730,600.00 | |
| Interest income | 208,400.00 | |
| Share capital | 187,800.00 | |
| TOTALS | 2,126,800.00 | 2,126,800.00 |
Who it's for
Three ways in. Same ledger underneath.
Susu collectors
Your collection book, on your phone. Record with no signal — it queues on the device and posts when coverage returns. Members check their own balance instead of calling you.For collectors →02 · DEMO-LEDCooperatives & welfare funds
Records your committee can read and your board can trust. Month-end reports generated, not assembled. Staff roles that actually separate.For cooperatives →03 · DEMO + QUOTEMicrofinance institutions
Your loan book, your susu book and your ledger — one system. PAR and provisioning live, dual control on every action that moves money.For microfinance →The system
Nine modules. A collector runs on two; an institution runs on all nine.
Group susu
Cycles, slot assignment, payouts. Open groups members can discover and join by link.Savings plans
Goal-based plans with schedules, withdrawals and overpayment resolution.Passbooks
Cycles, fee modes, page tracking, and an approval flow on every withdrawal.Lending
Full lifecycle, flat or reducing balance, collateral tracking, live PAR and provisioning, automated arrears.Collections & agents
My book, my day, offline collection, MoMo prompts, cash reconciliation, commission.Accounting
Double-entry ledger, chart of accounts, journal drill-down, trial balance, settlements.Member portal
Pay by MoMo, verify Ghana Card, apply for a loan, withdraw, download statements. Installable.Loyalty & reliability
Bronze to Diamond tiers earned on payment reliability, with points and tier discounts.White-label
Your brand, colours and own domain on the staff console and member portal.Capability switches on — you never migrate to a bigger product.
Start free
No payments, no contract. 5 groups and 50 passbooks cost nothing, forever.Works offline
Record collections with no signal. They queue on the device and sync when coverage returns.Audit ready
Double-entry and dual control from day one, on every tier.Grows with you
Add agents, branches and your own brand as you scale — same system, same ledger.
Payment partners
SusuPaa never holds your members' money.
Moolre
Hubtel
Paystack
LibertePayPayment collections settle to your own accounts over licensed providers, on all three mobile money networks and the banks. We keep the record, the receipts and the audit trail — the money moves on rails you already use, and it never rests with us.
Set it up yourself, today.
Sign-up to first group in under an hour. No card, no sales call.
Start freeBring your own book to a demo.
Thirty minutes, screen shared, no slides. You'll leave knowing what migration involves.
Book a demo