Cash Collected
— CDF
Payments actually received
For women entrepreneurs
Entrepreneurship, every day · AI-generated illustrationKOBETA
Your business,
with clarity.
You are growing your business.
KOBETA helps you understand your numbers,
plan ahead and move forward with confidence.
Free for independent entrepreneurs · Congolese franc (CDF), US dollar (USD) and euro (EUR) · Strictly isolated, confidential data
Get started in three simple steps.
- 01
Create your account in 1 minute
- 02
Choose your currency: CDF, USD or EUR
- 03
Record your first sale or deposit
Four real profiles supported
- Retail & wax fabric sales
- Hairdressing & home services
- Artisanal production
- Coaching & B2B consulting
01
Understand
A clear view of your business and your money.
02
Anticipate
Upcoming payments. Tomorrow’s needs.
03
Decide
Useful insights to move forward at your own pace.
DRC · Women’s financial inclusion
Leapfrogging, from everyday trade to financial visibility.
KOBETA helps women entrepreneurs in the Democratic Republic of the Congo turn everyday sales, services and production into clear financial records. By moving directly from informal notes to a mobile, AI-assisted workflow, they can understand margins, track money owed and choose what to share with financial institutions—without giving up control of their data.
Business Model & Scalability
01
Free for the informal entrepreneur
100% free for the informal entrepreneur—no adoption barrier: the application stays accessible, with no subscription or hidden fee.
02
B2B2C / Fintech monetization
A credit origination fee of 1% to 3% with partner microfinance institutions and banks (FINCA, Baobab, Ecobank), made possible by the verifiable financial track record shared only with the entrepreneur’s consent.
03
Institutional & donor contracts
B2G/B2B: supported cohorts funded by digitalization programs (World Bank / Transforme project, FPM, development cooperation partnerships).
04
Embedded finance & diaspora
Micro-commissions on Mobile Money transactions and a future premium offer for the diaspora overseeing businesses remotely.
Your day-to-day, simplified
The essentials. Nothing extra.
Your money, your transactions, your next steps. Every detail in its right place.
A look at your businessView the preview
Expenses paid
— CDF
Money actually spent
Accounts Receivable
— CDF
Payments still expected
Available cash
— CDF
Opening balance not provided
Preview without real data. Amounts will appear once you enter your business activity.