Akasente
Field Officer
Out on the daily collection route
- See who to collect from today and how much
- Record repayments and hand the client a printed receipt
- Register new clients with photos, ID and signature
- Note field visits and hand cash in at the desk
UGX Built for Ugandan microfinance
Your whole loan book, in every pocket.
Akasente puts loans, repayments, receipts and the cash desk on the phones of the people who do the work: officers on their round, the cashier at the counter and the owner who answers for every shilling. It works with no signal at all.
Works offline
Prints receipts over Bluetooth
Encrypted on the phone
3 rolesOfficer, cashier, owner, all on one sign-in
0 barsof signal needed to record a day's work
80 mmthermal receipts, printed straight from the phone
Every villagein Uganda, built in for client addresses
Who it's for
One app. Each person sees their own job.
Everybody signs in the same way. Their account decides what they see, so an officer gets their round, the cashier gets the drawer and the owner gets the whole business.
Cashier
At the office cash desk
- Open and close the business day with a counted drawer
- Receive payments and pay out approved loans
- Take cash handovers from officers and record savings
- Know what the drawer should hold before counting it
Business Owner
Answers for the whole portfolio
- Portfolio dashboards, reports and officer performance
- Add staff and branches, and decide what each person may do
- Correct or cancel a mistake, with the reason kept on record
- See every phone signed in, and remove one in a tap
Features
Built around how lending really works here.
These features come from real counters and real collection routes, with the details that decide whether the drawer balances at six in the evening.
Four lending products
Charge the rate once or every month. Collect equal instalments, or interest only with the principal back on the last day. The schedule always adds up to the shilling.
Receipts that print
Send the receipt straight to a paired Bluetooth thermal printer, or share it as a PDF. The receipt on screen, on paper and in the PDF is the same receipt.
Payments that land right
Pay ahead and the next payment gets smaller. Fall behind and the late fee follows the calendar. Arrears and "what to collect today" are worked out for you.
A drawer that balances
Start the day, end the day, and see the figure you should count before you count it. Cash handed in, handed to the owner or banked is followed all the way.
Branches that keep to themselves
Every branch owns its clients and its cash. Staff are posted to a branch, and only the owner sees across all of them.
Business hours
Set your trading week. Officers' apps close outside those hours, and the cashier can read out an unlock code over the phone without either side needing signal.
Reminders that go out
See who to chase, then call or message them on WhatsApp or SMS in one tap. The phone also reminds each officer of their own round every morning.
Bring your old book
Enter existing loans with their real dates and every payment since. Your history stays intact and the reports keep making sense.
Addresses down to the village
Pick District, Subcounty, Parish and Village from the full Uganda location list. It is built into the app, so it works offline too.
Offline-first
One bar of signal is enough. So is none.
Every payment, loan and visit is saved on the phone first and sent to the office when the network comes back. Nobody waits for a connection to do their work.
- Record work with no networkAn officer in a village or a cashier in a power cut can keep working.
- Syncs on its ownSaved work is sent as soon as there is signal, and colleagues' work comes back the same way.
- Stay signed inYou need internet only to register and sign in. After that the app works offline for as long as you need.
Loan calculator
See exactly what a loan costs.
This calculator uses the same arithmetic as the app, so the figures here match the schedule a client would receive.
Interest—
Total to repay—
Each payment—
How they pay—
Getting started
From download to your first receipt the same day.
Register your business
The owner signs up with a Google or Apple account. That sets up the business and its first branch.
Add your team
In Team, add officers and cashiers, post each one to a branch and choose their password. They sign in on their own phones.
Start lending and collecting
Add clients, give loans, record payments and print receipts. Reports fill up as the work comes in.
Security & control
The owner stays in charge of the money.
Clients' details, National ID photos and the cash itself need protecting. These are the safeguards built in.
Encrypted on the phone
Records are stored with AES-256 encryption. The key is kept in the phone's secure keystore.
Passwords checked on the server
No phone stores or checks a password. Sign-in is verified on the server every time.
Branches walled off
A phone posted to one branch cannot read another branch's clients or their photographs.
Phones you can remove
See every phone signed in to an account. Remove one and it stops working within a minute.
Questions
Asked by owners like you
Does it really work without internet?
Yes. Recording payments, giving loans, registering clients, noting visits and printing receipts all work offline. You need internet to register a business and to sign in on a phone. After that you stay signed in and can work offline indefinitely, and your work syncs when there is a connection.
Can one officer see another officer's collections?
No. An officer sees the payments they recorded and the clients on their own round. The cashier and the owner see everything in their branch, and the owner sees every branch.
We already have clients and loans on paper. Can we bring them in?
Yes. The owner can enter existing loans with the date the money went out and every payment made since. Each payment gets a receipt dated on its own day, and the drawer is not charged today for money lent last year.
What printer do I need?
Any 80 mm Bluetooth thermal receipt printer that speaks ESC/POS. Most cheap ones do. Pair it once in your phone's settings, choose it in the app, and Print sends the receipt straight to it. You can always share a PDF instead.
What happens if somebody makes a mistake?
The owner can correct a payment or cancel a payment or a loan, and must give a reason. Nothing is erased. Every change is listed in one place with who made it, when and why, and receipt numbers are never reused.
What if a member of staff leaves?
Stop their account in Team and they can no longer sign in. Their records stay with the business, and you can see and remove any phone that was signed in to their account.
Put your loan book in your team's hands.
Download Akasente, register your business and record your first payment today.