Zambia’s first cloud-based village banking application.
pendapp was developed by a Shengamo in 2021. Shengamo wanted to create a platform that enabled
transparent, easy to use village banking, cloud based solution.
WHAT isVillage Banking?
Village banking is a tool for financial inclusion, giving funds to the unbanked and also acting as a
platform
for savings.
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According to FINCA International, the organisation that pioneered village banking, village
banks are groups of low income entrepreneurs who come together to share and guarantee one another's
loans"