DreamSave | DreamStart Labs

DreamSave — a record-keeping app for savings groups

DreamSave helps communities track savings, manage group loans, and build a reliable credit history.

Download on Google Play

Become a partner

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See it in action

Watch how savings groups use DreamSave to start their financial journey – building trust, resilience, and opportunity one meeting at a time.

What DreamSave does

Replaces paper ledgers

Digitally records all savings, loans, and transactions in one secure system.

Standardizes group operations

Guides meetings using automated rules and calculations, promoting trust and transparency.

Secures group data

Backs up records safely to prevent loss from phone damage or theft.

Builds credit history

Links savings data to financial providers.

Who uses DreamSave

Savings group members

Use DreamSave to track savings, record loans, and stay organized without paper ledgers.
Group facilitators & trainers

Train savings groups to use DreamSave confidently and monitor their growth over time.
NGOs & MFIs supporting community savings programs

Analyze how DreamSave fits into field operations to improve efficiency and impact tracking.
Governments running large-scale financial inclusion projects

Scale national programs and monitor financial inclusion progress by onboarding projects on DreamSave.

How it works in the field

Every DreamSave journey begins with learning. Groups are trained to use the app, set up their own systems, and start managing transactions with confidence.

Train groups

Facilitators guide members through hands-on training to help them understand how to use DreamSave effectively.
Set up group

Each group creates its profile, defines its rules, and customizes savings and loan cycles.
Record transactions

Members log savings, loans, and repayments, building transparency and trust with every entry.

Key features

Member & loan tracking

Savings and goals monitoring

Constitution enforcement

External loan management

Offline functionality

Secure cloud backup

Impact snapshot

Change doesn’t happen overnight, it grows meeting by meeting, group by group.

Number of Groups

What our partners and members say

Dr. William Derban

Head, Programs and Partnerships

Opportunity International

"DreamSave enables us to digitize every activity of a savings group so FSPs can confidently offer data-based lending. The groups themselves benefit, meetings run faster, records are secure, and members save time compared to paper systems."
Esther

Savings Group Member

Ghana

"I was relieved when I started receiving SMS updates about our savings on my phone. The reminders during meetings, especially for members whose loans are due, are incredibly helpful."
Priscilla Kauze

Monitoring and Evaluation Officer

Catholic Commission for Peace and Justice, Malawi

"My experience with the DreamSave App has been generally positive, as it offers a convenient and organized way for VSLAs to manage savings, loans, and group records."
Sbongile Shongwe

CEO

Imbita Swaziland Women’s Finance Trust, Eswatini

"DreamSave is powerful as it provides us with the required group information that we could not properly get accurate over the years due to poor record keeping by some groups."
John Chikwemba

Project Officer, Digital lnnovations

Opportunity International, Malawi

"It has helped in simplifying the work load previously experienced by the groups. Initially, they used the paper work which was more complicated."
Kenneth Ndung’u

Monitoring and Evaluation Deputy

Global Fund for Widows, Kenya

"Meetings are now conducted efficiently and on time, giving widows more time to focus on their businesses and be productive."