Whether it's your own kibubu or a goal for the whole family, it starts the same way.
Give your goal a name, a target amount and a timeline. That's it, no paperwork, no minimums. Education, housing, business capital, a wedding, health, an emergency. If it matters to you, it's a goal.
Share the goal with the people you trust, by phone number or a simple link. They can follow progress, leave comments, cheer milestones, and contribute directly. And anyone can chip in with just the Goal ID, no app needed.
Contributions land through M-Pesa, Airtel Money, Mixx by Yas or the bank, and everyone watches the bar climb. Updates keep the group close. And when you reach it, you celebrate together, because you did it together.
A personal goal is yours alone, your target, your pace. Set reminders so saving becomes a habit, watch your progress, and keep it private or invite followers to cheer you on. Your money stays yours; withdraw whenever you need it, tracked clearly.
A group goal adds governance. Choose who must approve withdrawals, money only moves when they agree. Set contribution cycles so everyone knows what's expected, and Niletu reports every movement back to all members. Trust, built in.
It takes about a minute. Inviting your people takes one more.
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