Getting Started

Register with your phone number and verify via OTP.

• Go to the QSavings app and click Register
• Enter your full name, phone number (+250...), and a strong password
• You will receive an OTP on your phone
• Enter the OTP to verify your account
• You are now logged in and ready to create or join a group

Set up your group with custom rules for contributions, loans, and cycles.

• Navigate to Groups and click Create Group
• Set a name and description (e.g. "Family Savings 2026")
• Choose your share value (e.g. 10,000 RWF per share)
• Select contribution frequency: weekly or monthly
• Configure loan multiplier (default 3x), interest rate, and penalty rate
• Set the cycle duration (e.g. 12 months) and grace period
• You automatically become the chairperson of the group

Add members by phone number and appoint your committee.

• Open your group and go to the Members tab
• Invite members by entering their registered phone number
• Assign committee roles: treasurer and secretary
• Committee members can verify contributions and approve loans
• All role checks are enforced per-request for security

Members record contributions by buying shares. Committee verifies each one.

• Go to the Contributions page and select your group
• Click Record Contribution and enter the number of shares
• Amount is calculated automatically (shares x share value)
• A 5% platform fee is deducted; the net amount goes to the group pool
• Committee members verify or reject each contribution
• Rejected contributions can be corrected and resubmitted

Eligible members apply for loans. All committee members must approve.

• Check eligibility: max loan = total verified contributions x loan multiplier
• Apply for a loan specifying the amount and repayment term
• All committee members review and approve or reject the application
• Once approved, the loan is disbursed from the group pool
• Repayments are tracked with interest; penalties apply after the grace period
• Only one active loan per member per group at a time

Create campaigns for members in need. Track pledges and progress.

• Go to Campaigns and click Create Campaign
• Set a title, description, target amount, and select the beneficiary
• Group members pledge amounts toward the campaign
• Progress is tracked with a visual bar showing collected vs target
• A 5% platform fee applies to collected funds
• Campaigns can be completed or cancelled by the committee