Stokfela is a purpose-built ledger for Eswatini's stokvels. Multi-product loans, FIFO allocation, bank-statement auto-import, and every member's position live — without a single spreadsheet.
Umnotfo ebantfwini — building wealth together.
Who paid this month. Who missed last. How much is still owed on that E130,000 drawdown after three partial repayments. Did the September loan take the short-term 10% rate or the long-term 2%. When a member asks what's my position, the answer sits in three different tabs — assuming the treasurer remembered to update them.
Stokvels in Eswatini move real money. A group of four can disburse millions of Emalangeni in two years. At that scale, a missed entry isn't an inconvenience. It's a dispute waiting to happen.
Upload your bank statement once. Stokfela classifies every debit and credit, matches it to a member, and runs the FIFO repayment engine end-to-end.
"You are running a financial institution in miniature. Stokfela is the bank-grade ledger and back office that institution deserves."
Outstanding loans, contributions collected, interest accrued and paid, active members. Updated after every entry. No month-end wait.
Create your own stokvel's products, e.g., Long-term at 2% a month, Short-term at 10%, Emergency drawdowns. Any product your resolution defines, each with its own amortisation.
A credit arrives. Stokfela splits it: this month's contribution first, oldest loan next, cascading until the money lands. No manual math.
Upload your FNB, Standard Bank, or Nedbank export. Stokfela classifies debits and credits, matches members, and commits to the ledger.
A member submits a request. Admins approve or decline. Approved requests auto-create loans on disbursement. No more WhatsApp arguments.
Stokfela is a Progressive Web App. One tap on iOS, one on Android, one click on desktop. Works offline. No app store.
A cash-flow waterfall for the group: contributions in, loans out, repayments in, interest, fees. The chart that ends every dispute.
Every stokvel runs on its own subdomain with Row Level Security at the database. Your ledger is yours. Not ours, not anyone else's.
“We built Stokfela because we were running our own stokvel and the spreadsheets betrayed us. Every feature here exists because we needed it first.”
Every stokvel gets every feature. The only variable is how long you've been with us.