Nichomez

Nichomez — Growing together Nichomez is the mobile home for members and officials of help groups, GROUP/SACCOs, and cooperatives worldwide. Sign in to your organisation’s workspace and manage savings, loans, payments, and day-to-day group finance in one secure place — wherever your members are. FOR MEMBERS • See balances, loans, e-wallet, and what is recoverable today at a glance • Contribute to share capital, monthly savings, risk/welfare funds, and related pots • Apply for loans with guarantors, track schedules, and repay via wallet or mobile money • Top up, transfer, pay for yourself or another member, withdraw, and review history • Set savings goals, a self monthly pledge, and family standing orders • Download statements; check dividend outlook or cycle share-out • Submit expense claims and exit requests when your organisation allows them • Get notices, reminders, and push updates; lock the app with biometrics • Switch organisations and manage your profile — contacts, next of kin, and more FOR OFFICIALS & ADMINISTRATORS • Member register, onboarding, approvals, and role-based access • Post deposits, withdrawals, contribution transfers, and treasury moves • Run the loan book: products, issue/disburse, arrears, refunds, and quorum workflows • Manage dividends or cycle share-out, welfare, investments, and assets • Drive debt collection, referrals/incentives, and communications (SMS, email, push, letters) • Open reports: balance sheet, income statement, cash flow, trial balance, GL, and exports • Configure accounts, contribution & fine types, loan products, policies, and audit history BUILT FOR REAL GROUP FINANCE Nichomez powers the financial life of member-based organisations: ledgers, contributions, loan lifecycle, fines, dividends, share-out cycles, debt programmes, and referral incentives — each GROUP/SACCO keeps its own policies and records. Smart allocation helps inbound deposits and wallet sweeps land on the right loans, invoices, and standing plans. PAYMENTS & SECURITY • Encrypted connections to Nichomez servers • Organisation-specific payment references for clean reconciliation • App lock and biometric options on supported devices • Privacy policy and terms linked in the app • Account deletion for unpaid demo/trial logins via nichomez.com/account-deletion (live members are managed by their GROUP/SACCO officials) IMPORTANT Nichomez is a technology platform used by GROUP/SACCOs and similar organisations. It is not a bank, does not provide personal loans directly, and does not hold your money outside your organisation’s configured accounts and policies. Lending, savings rules, and membership are governed by your GROUP/SACCO. GET STARTED You need an account from your GROUP/SACCO or organisation administrator. Existing web users can sign in with the same credentials at api.nichomez.com. Support & policies: nichomez.com Privacy: nichomez.com/privacy-policy Terms: nichomez.com/terms-of-service