Every shilling
accounted for.
Families pay in every month. When someone falls sick, buries a relative or cannot pay school fees, the group pays out. MCOS keeps that record — who is a member, who has paid, and where the money went.
Pay by M-Pesa, cash, bank or cheque · Receipts by SMS
| Mar 2026 | Paid | 500.00 |
| Apr 2026 | Paid | 500.00 |
| May 2026 | Paid | 500.00 |
| Jun 2026 | Part | 200.00 |
| Jul 2026 | Owed | 500.00 |
| Aug 2026 | Owed | 500.00 |
What the group promises
Everybody knows who is in
Members and households are registered with their village, their family ties and the category that decides what they owe — elderly, widow, youth, person with disability.
Everybody knows who has paid
A plan sets what each category pays each month. MCOS raises the obligations, matches payments against them oldest first, and shows exactly who is behind and by how long.
Nobody can quietly move the money
Help is requested, reviewed by the committee, approved against a threshold, and only then paid from a named fund. Every movement lands in a ledger that cannot be deleted.
How the money moves
Two paths, each ending in the same book. Nothing skips a step.
-
1
Set the plan
Elderly members pay 200 a month; regular members 500. Raising the rate later never rewrites what was owed before.
-
2
Raise what is owed
On the first of the month the system writes one obligation per member. Running it twice changes nothing.
-
3
Receipt the payment
Cash at the desk or M-Pesa into the paybill. Either way it clears the oldest months first, and any extra is held as credit.
-
4
Post to the ledger
The payment becomes an income entry against a named fund, with a receipt number the family can quote.
-
1
A family asks
A medical bill, school fees, a funeral. The request carries what happened and what it will cost.
-
2
The committee reviews
Each reviewer records their own recommendation. Bills and fee structures are attached as evidence.
-
3
A decision is signed off
Small amounts an officer can approve alone. Large ones need the coordinator and two approving reviews.
-
4
The money is paid
In full or in stages, never beyond the approved amount, always from a fund with the balance to cover it.
Mistakes are corrected in the open
Nothing in the ledger can be edited or deleted — not by the treasurer, not by the administrator, not by anyone. A payment entered against the wrong household is corrected by a reversing entry that stays on the page beside the original.
Most groups do not fall apart over paperwork. They fall apart over a figure nobody can explain. This is the answer to that: the books make sense whoever is holding them, and a treasurer can be replaced tomorrow without losing the thread.
| Date | Entry | Amount |
|---|---|---|
| 12 Aug |
Contribution
RCP/2026/000118
|
2,000.00 |
| 12 Aug |
Contribution Reversed
Entered against the wrong household
|
2,000.00 |
| 13 Aug |
Contribution
RCP/2026/000119 · re-entered
|
2,000.00 |
Who uses it
Receipts payments at the desk and sees which months the money clears before saving anything.
Registers households, records assessments and reviews welfare requests.
Approves larger amounts, pays approved cases from a fund, and pulls the statement.
Signs in with a phone number to see what they owe and to ask for help.
Ready when your group is
Sign in with the details your coordinator gave you.