Akawo helps petty traders, micro-businesses, and individuals build financial discipline through structured daily savings, microloans, and transparent records.
From daily collections to loans and inventory — Akawo is a complete financial toolkit for informal businesses.
Agents issue savings cards and record daily contributions for customers. 31-day cycles, transparent records, and instant balance tracking.
Qualified customers can apply for short-term loans with flexible repayment schedules tied directly to their savings records.
Integrated point-of-sale and stock management for agents who also run retail operations — track products, sales, and cash in one place.
Every transaction is logged, stamped, and traceable. Customers, agents, and admins each have dedicated dashboards with real-time data.
Generate and download PDF transaction statements for any period. Share with customers or keep for your own reconciliation records.
Agents collect cash on the ground while the platform handles reconciliation, commission calculation, and performance reporting automatically.
From registration to your first withdrawal in three easy steps.
Visit your nearest Akawo agent or sign up online. Pay a one-time ₦100 card registration fee to open your savings card.
Contribute daily through your agent or online. Watch your balance grow across a 31-day savings cycle — at your own pace.
Request a withdrawal at any time or roll over into a new cycle. Apply for a microloan once you qualify based on your history.