Updated Mar 28, 2019

Mushanapp logo 1


Part of Tony Elumelu Foundation

A mobile and web based savings and credit application which helps Saving groups, Investment Clubs and Sacco members to access finacial services any time any where using mobile money, Visa Cards and Master Cards which is time and cost effective to the bigest percetsge of unbanked and underbanked. MushanApp is already on market and four Saccos have already subscribed to its services with over 2000 member clients and hope to double the number by end this year.
We have also been able to raise $5000 in grant to invest in the software

In office

Mugabe Janson

Send Message

Stage 4: Transition to Scale

MushanApp mobile banking software is already on market and its available on google play store https://play.google.com/store/apps/details…

Registered as a For-Profit in Uganda.

Focus Areas:

Economic Growth and Trade, Digital Finance, Economic Empowerment and 1 MoreSEE ALL

Economic Growth and Trade, Digital Finance, Economic Empowerment and Economic RecoverySEE LESS

Implemented In:



Country Implemented In
Funds Raised to Date


Access to financial services, including secure efficient banking, is critical to reducing poverty and stimulating sustainable economic growth. And yet, approximately 95% of Uganda’s citizens have limited or no access to banking services. This sector of the population referred to as the unbanked and under banked – is prevented from accessing financial services because of limited physical bank infrastructure and lack of access to electronic infrastructure such as mobile phone banking.



Mobile banking has the potential to increase the efficiency of payment systems, reduce reliance on cash, and broaden access to financial services by increasing the accessibility and lowering the cost of offering formal financial services. MushanApp deploys the latest in mobile financial technology to unbanked / under banked people. This unique platform is the catalyst that enables creation of cheap, efficient, and transparent and corruption free payment systems.

Target Beneficiaries

There are 16,408 registered co-operatives, in 2015 alone a total of 1014 new co-operatives were registered majority of them were SACCOs and Agricultural marketing cooperative societies. 95 % of these SACCOs are still using manual system and are our targeted customers; MushanApp seeks to remove barriers such as physical infrastructure that prevent so many Ugandans from entering the formal financial sector empowering them to manage their money more efficiently and effectively

Mission and Vision

Information and Communication Technology (ICT) now drives businesses in a fast-paced world, where competitiveness and customer satisfaction is measured by efficiencies, convenience, delivery speeds and-cost-effectiveness SACCOs cannot escape the hold of ICT over business operations, especially considering that ICT enables businesses to find new ways to drive down the costs of products and processes, in addition to improving-performance.

Innovation Description

MushanApp is a web and mobile based savings and credit system which helps unbanked and under banked community to access financial services at lowest price possible, it seeks to promote a culture of pooling savings in very small amounts on a daily basis based on economies of scale, investing these savings in income generating projects which affect poor people directly in a beneficial manner. MushanApp can be used globally to pool savings, access credit and pay back loans through Internet and mobile phone using mobile money, VISA Cards and Master Cards by saving groups(Village banks), Investment Clubs and Sacco members which is time and cost effective.

Competitive Advantage

MushanApp enables people on mobile all networks and Visa cards to access financial services whereas some of our competitors like to MTN Moksash services ignore people who have already established saving groups and limits them to use only MTN lines.

Another Competitor Airtel mobile SACCO limits customers to use only airtel lines, members who have no airtel lines are ignored whereas MushanApp is is open to all Sacco Members using different mobile lines and saving groups which are already established.

Planned Goals and Milestones

We Launched our Mobile App on Google play Store
Funding Goal500,000
New Implemented CountriesUganda
Recruit3 Management, 4 Board members


May 2018
New Product or Service
We launched our Mobile App in May 2018 Down Load MushanApp on Google play store here : https://play.google.com/store/apps/details…
Apr 2018
Recognition ReceivedPENDING
Jan 2017
Funds RaisedPENDING
as part of
Mar 2016
Recognition ReceivedPENDING
Date Unknown
New Country Implemented In

Supporting Materials