Helping Communities Save, Borrow, Buy & Grow Together.
Mula is a fincomtech startup empowering communities to Learn, Save, Invest & Prosper together.
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Active Users
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Loans Disbursed
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Savings Mobilized
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Groups
Our Trusted Partners
Everything you need to grow and prosper
Mula brings together finance, commerce and technology to help individuals and groups build wealth, access opportunities and invest in their future.
Otonglo Wallet
Save & Transact
A secure digital wallet for savings, payments and money transfers with your chama and beyond.
Inua Loans
Access & Growth
Affordable loans built on savings and group performance to help you grow higher.
Manna Shop
Shop & Save
Quality everyday items at great prices. Save more when you shop within Mula.
Mula Plus+
Unlock More
Premium benefits, higher limits, rewards and exclusive offers for active members.
One platform. Many solutions. Infinite possibilities.
All working together to drive collective investments and long term prosperity.
Simple steps. Powerful impact.
1. Join a Chama
Create or join a group and get started in minutes.
2. Save Regularly
Build a savings habit with small, consistent contributions.
3. Access Opportunities
Get loans and shop quality products to grow your business or life.
4. Learn & Grow
Gain financial knowledge to make better decisions together.
5. Invest & Prosper
Increase your income, invest in what matters and prosper as a community.
Stronger communities.
Greater investments.
Lasting change.
Through financial inclusion, technology and education, we help communities build wealth, create opportunities and invest in brighter futures.
Education
1,200+
People empowered with financial knowledge
Livelihoods
500+
Businesses supported to grow and thrive
Communities
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Lives positively impacted
WHAT OUR USERS SAY
Real stories. Real impact.
My business has grown since I joined Mula because now I can access capital at low interest rates.
Millicent
Tem Kinyalo, Nyilima
I joined Mula because of their emphasis on savings. I have been employed for ages, and no one ever taught me about savings.
Polycap
Konya Ero Women Group
Mula gave me KES 6500 as seed money. I used the funds to stock my business and bought chicken, which has multiplied.
Violet
Konya Ero Women Group
