An AI analyst that knows your book
Ask “who are my ten riskiest borrowers this week?” and get names and numbers straight from your own ledger. Every morning at 7:00 it writes you a briefing: what is due, what slipped, and what to handle first.
AI-powered loan management
Every ShillingAccounted For.
Manage loans, collections, repayments, and risk in one AI-powered system built for Tanzanian microfinance.
Built in Dar es Salaam, for Tanzanian lenders.
- Swahili first, English one tap away
- M-Pesa statements reconcile against the loan
- Each company's data walled off by the database itself
- Business days, groups and cash security, exactly as you run them
What you get
Everything tracked. Nothing retyped.
Six things the old systems cannot do, each one built for how Tanzanian microfinance actually runs.
Reminders and receipts, sent for you
Due-today reminders and overdue notices go out in Swahili, in your officer's name, on the schedule you set. The moment a payment lands, the borrower gets a receipt on their phone. You chase no one by hand.
Loan applications from a WhatsApp link
Share a link or QR code on your status and applicants fill a two-minute form on their phone, with no app to install. Each one arrives checked against your books, so one tap turns a good application into a borrower and a pending loan.
Your history imports itself
Bring your Excel files or your old system's export. RHOTIA reads your column names in English or Swahili, checks every row before it saves a thing, and rebuilds each loan's schedule and balance. Years of history, across in an afternoon.
M-Pesa that reconciles itself
Upload the statement from your M-Pesa Business app and every payment finds its customer by phone number, then posts to their loan and your cashbook. No retyping, and no payment quietly missed.
Regulator-ready, bank-grade
Bank-grade tenant isolation, an automatic trail on every change, loan approval reserved for owners, admins and branch managers, and instant staff lock-out. When the examiner asks who changed a loan and when, the answer is one click away, not one week.
See it working
Your whole book, on one screen.
The real product, not a mockup. Every screen below is RHOTIA running a live Tanzanian loan book.
The morning briefing, written for you
Portfolio health at a glance: outstanding, collections, repayment rate and portfolio-at-risk, with the AI briefing on top telling you what to handle first.
Why it pays
Less cost. Less chasing. More certainty.
Four outcomes owners notice in the first month.
One price, everything included
One flat price with every module included: no fee per borrower, no module to unlock, and no separate charge for the AI analyst.
A week back every month
Reminders, receipts, reconciliation and the morning briefing happen by themselves. Your team spends the day lending, not typing.
Paid on time, more often
Borrowers get reminded before the due date and receipted the moment they pay, so installments stop slipping through the cracks.
Sleep well at audit time
Every change carries who and when, deletions are reversible, and tenant isolation is enforced by the database itself.
How it works
Live in days. Not months.
01
Move in
Bring your Excel files or old-system export. Borrowers, loans, repayment history, savings and staff come across in an afternoon, with every schedule and balance rebuilt and correct from day one.
02
Run the day
Officers record collections at the meeting. Managers approve the loans, and only managers can. The cashbook posts itself, and the business day closes exactly the way you close it now.
03
Watch it grow
Your application link brings new borrowers in while you sleep. Automatic reminders keep repayment on time. And every morning at 7:00, a briefing on your phone tells you the true state of the business.
Connected
Works with the tools you already run on.
No new habits for your team. RHOTIA plugs into how money and messages already move.
M-Pesa
Upload the statement from your M-Pesa Business app; payments match customers by phone number and post themselves.
SMS
Due-date reminders and receipts go out in Swahili, in your officer's name, on your schedule, through the Beem Africa gateway. We switch your sender line on during setup.
Share an application link or QR code on your status; applicants apply from their phone in two minutes.
Excel & CSV
Bring your history as-is; column names in English or Swahili are matched and every row is checked before import.
Phone browser
Officers work from the phone browser today: no install, same logins, same books. The iOS and Android app is in testing and is not on the stores yet.
Why we built it
“We built RHOTIA for the owner who wants to know, not hope, that every shilling is where it should be.”
Microfinance keeps this country moving, and it deserves better than spreadsheets and systems from another decade. RHOTIA keeps the workflow your officers already know (business days, group meetings, cash security, manager approval before a shilling moves) and rebuilds everything around it to banking standards.
The RHOTIA team · Dar es Salaam, Tanzania
Pricing
One system. One price. Paid once.
No monthly bill, no per-borrower fees, no modules to unlock. Unlimited borrowers, staff and branches.
Everything is included
- 10,000 SMS free, for payment reminders and receipts in Swahili
- Up to 10 custom features, built for how you work, at no extra cost
- AI agent that works your book with you, not just a chatbot
- Morning briefing at 07:00: who is late, who is at risk, what needs you today
- Unlimited borrowers, staff and branches
- Loans, groups, collections and the cash book, on one business day
- Portfolio at risk, officer performance and income statements, built on demand
- Mobile app for officers in the field, collections recorded where they happen
- Your Excel or old system imported for you, schedules and balances rebuilt
- Full audit trail: who changed what, when, and nothing silently deleted
- Every future update included, at no extra cost
Price is in Tanzanian Shillings. We invoice you directly and you pay by bank transfer or M-Pesa. There is no automatic card billing, and the invoice shows VAT where it applies.
Read the terms of serviceQuestions, answered
Still weighing it up?
The four things owners ask us most, answered straight.
We already run a system. Why switch?
Keep the workflow you know. RHOTIA runs the same business days, groups and approvals for one flat price, and adds phones in the field, live portfolio-at-risk, a full audit trail and the AI analyst on top. The same operation you run today, ten years newer.
Won't moving our data be a nightmare?
It used to be. Now RHOTIA reads your Excel files or your old system's export directly, recognises your column names in English or Swahili, checks every row before saving, and rebuilds each loan's schedule and balance. Most books move across in a single afternoon.
What happens when the internet is slow?
The pages are light and run on the same phone data your officers already use. And because your books live on a cloud server rather than on one laptop, nothing is lost if a laptop breaks or walks out the door.
Is my data safe and private from other lenders?
Every company's data is walled off by the database itself, not just by the app, so no one else can ever see your rows. Every change is logged with who and when, and nothing is ever silently deleted.
See your own book on this dashboard this week.
We reply within one business day.
On the phone
RHOTIA works on the phone your officers already carry.
The whole system runs in the phone browser today: record collections at the meeting, look a borrower up, call them back. The iOS and Android app is in final testing and is not published yet, so nothing here asks you to install anything.
From the blog
Learn microfinance, in Swahili.
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Read articleContact
Bring your Excel file to the demo.
Tell us about your institution: branches, borrowers, and what you run on today. We reply within one business day, and we can have your own book on this dashboard the week you say yes.
WhatsApp+255 682 152 148Emaildriftmarklabs@gmail.com
Visit usRose Garden Road, Dar Village Office Park, Mikocheni, Dar es Salaam, Tanzania