Ibimina Cloud

Automated micro-finance, savings, and credit lifecycle engine for corporate organizations in Rwanda.

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corporate organizations in active production

End-to-end

savings, loan origination, yield payouts, and audit logs digitized

Solo

creator and developer

Why I built it

End-to-end community savings, lending, and credit automation for enterprise organizations, with immutable audit trails and one-click financial exports for HR and Finance teams.

I built Ibimina Cloud after watching savings groups run on spreadsheets and WhatsApp. Money moved in the dark, and no one could prove who was owed what.

Today it runs the full savings, lending, and payout lifecycle for corporate organizations, with every transaction on a ledger that never forgets.

See it in motion

The whole flow, start to finish. Every screen, one take.

What's inside

Savings & Contribution Management

Flexible contribution models, fixed or variable
Automated dividend and yield distribution
Real-time member balance portals

Automated Lending & Credit Engine

Smart loan eligibility based on savings ratios
Flexible repayment schedules with reducing-balance interest
Automated penalty management

Corporate Governance & Audit

Multi-tier approval workflows with RBAC
Immutable financial audit logs
One-click financial export for HR and Finance

Bank Account Integration

In progress

Direct bank transfers for contributions, loans, and yield payouts
Real-time balance and statement sync with the member ledger

Technical & Security Focus

End-to-end type safety across the stack
Multi-tenant isolation per organization
Automated ledger reconciliation
High-reliability infrastructure

Built with

TypeScript
Bun
Express
Prisma
PostgreSQL
React
Tailwind CSS
Zod
OpenAPI
RBAC

Come see the ledger.

Request a demo or ask questions. I read everything.

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