Nichomez is a multi-tenant financial management platform for help groups, GROUP/SACCOs, and cooperatives. Each organization keeps its own members, chart of accounts, and policies while sharing secure infrastructure, payment rails, and upgrades.

Where do members and officials sign in?

The live application is at api.nichomez.com. The nichomez.com website is the product overview with live member statistics; registration and day-to-day operations happen on the application.

Does Nichomez support debt collection and referrals?

Yes. GROUP/SACCO officials can enable optional incentive programs: a debt collection hub where approved member collectors recover defaulted loans for commission, and member referral rewards when new members join with a registration fee.

What payments does Nichomez integrate with?

Nichomez integrates KCB Buni e-wallet, M-Pesa STK and paybill flows, and tenant-specific payment references for reconciling member deposits and registration fees.

Nichomez — GROUP/SACCO software | Loans, ledger, M-Pesa & collections

Nichomez Enterprise

GROUP/SACCO finance that scales with every member you add.

Ledgers, loans, contributions, KCB e-wallet & M-Pesa, optional debt collection and referral programs — one platform for help groups and cooperatives that have outgrown spreadsheets.

Start GROUP/SACCO Member sign in See live platform data

Application: api.nichomez.com · This page: product overview

Live from the platform

Real organizations. Real members. Updated continuously.

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GROUP/SACCOs on Nichomez

Active tenant organizations

Members registered

— active · — new users this month

Member growth trajectory

Twelve-month view — new members by GROUP/SACCO registration date, plus running total

Total members New users per month

Hover bars for monthly detail · Join dates from registration fee and contribution records

What Nichomez delivers

From daily teller activity to board reporting — one system of record.

Accuracy at source

Double-entry postings keep deposits, loans, and transfers aligned across every module.

Member transparency

Statements, balances, loan status, and reminders members can trust.

Audit readiness

Trial balance, SASRA-oriented exports, IFRS 9 ECL, and committee reports from live data.

Optional member programs

Officials enable these per GROUP/SACCO under Settings → Incentive programs. Each tenant sets its own rates and rules.

Debt collection hub

Publish defaulted loans to a job board. Approved member Credit Administrators claim cases, log daily contact, and earn capped commission (typically 15–25%) on amounts recovered.

Member referral rewards

Reward members who refer new joiners. Registration fees can split between the GROUP/SACCO and the referrer, with payout via the same KCB → M-Pesa rails when configured.

Automated oversight

SMS and email reminders for loan installments, contributions, collector follow-ups, and official delinquency digests — so recovery work stays visible.

Platform vs your GROUP/SACCO

Nichomez is the product. Each GROUP/SACCO keeps its name, policies, and data.

Nichomez (platform)

Product shell, security, upgrades, and live stats on this site
Shared payment rails (KCB Buni e-wallet, M-Pesa STK & paybill)
Application & API at api.nichomez.com
Built-in assistant for platform guidance (on this page)

Your organization

Your branding on reports and PDFs
Your chart of accounts and loan products
Your members and workflows

Core modules

General ledger

Trial balance, P&L, balance sheet, cash flow, category ledgers.

Members & contributions

Share capital, risk fund, invoices, schedules, statements.

Loans lifecycle

Disbursement, guarantors, fines, repayments, IFRS 9 ECL.

Deposits & withdrawals

Approvals, bulk import, ledger narrations.

E-wallet & payments

KCB FT, STK push, paybill, wallet reconciliation.

Debt collection

Job board, collector claims, commission accrual, daily logs.

Referrals & incentives

Tenant referral fees and collector payout queues.

Communications

Email, SMS reminders, and outbound message logs.

Reports & audit

Financial statements, KPI sync, activity and cron health.

Platform billing

Nichomez is billed to your GROUP/SACCO organization — not to individual members. Officials manage invoices, billing cycle, and M-Pesa payment inside the app at Platform Billing (web and Android).

Core subscription

KES 50 / active member / month

Default platform rate. Your invoice reflects active members in the billing period.

Full ledger, loans, wallet, reports, and member modules
Officials pay via M-Pesa STK or paybill reference on the invoice
2-month free trial for newly provisioned GROUP/SACCOs

Billing cycles

Choose monthly, quarterly, or yearly billing in Platform Billing settings.

Monthly — standard rate
Quarterly — 8% discount on the period total
Yearly — 20% discount on the period total

Sample group — 10 active members

What a GROUP/SACCO with 10 active members pays per billing cycle at KES 50 per member per month (organization invoice — not per-person member fees).

Onboarding cost calculator

Enter how many active members you expect when you go live. We show estimated platform subscription totals for monthly, quarterly, and yearly billing so officials can plan before sign-up.

View your current invoice, paybill reference, and payment history after sign-in.

Open Platform Billing

Frequently asked questions

What is Nichomez?

Nichomez is cloud software for help groups, GROUP/SACCOs, and cooperatives: one system of record for members, money movement, loans, and reporting. Each GROUP/SACCO is a separate tenant with its own data and policies.

Where do I sign in or register?

Use api.nichomez.com for member and official access. This marketing page shows live aggregate statistics only — not your personal account.

Can our GROUP/SACCO run debt collection through members?

Yes, when officials enable the debt collection program. Collectors apply, get approved, claim cases from a tiered job board, and earn commission on recoveries subject to program caps and oversight logs.

Which payments are supported?

KCB Buni e-wallet integration, M-Pesa STK and paybill flows, and tenant-specific references for reconciling deposits, registration fees, and commission payouts.

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