Enterprise SaaS ERP — Now Live

One Platform.
Every Business
Operation.

GOJU CLOUD unifies Finance, HR, Payroll, Inventory, Agency Banking and Audit Intelligence into a single cloud ERP — giving your team complete visibility and control.

JM
SM
AK
NM
Trusted by 500+ businesses across Tanzania
+24.8%
Revenue this month
142
Active Employees
Audit Clean
FIAE Engine Active
GOJU CLOUD · Dashboard
TSh 48.2M
Total Savings
TSh 12.7M
Loan Portfolio
38
Open Invoices
142
Employees
Monthly Revenue
Scroll to explore
Uhuru Finance Ltd
Karibu Retail Ltd
Afya Kwanza Ltd
Elimu Tech Academy
Usafiri Connect Ltd
Kilimanjaro SACCO
Bahari Hotels
TZ Viwanda Ltd
Kilimo Vault Co.
Uhuru Finance Ltd
Karibu Retail Ltd
Afya Kwanza Ltd
Elimu Tech Academy
Usafiri Connect Ltd
Kilimanjaro SACCO
Bahari Hotels
TZ Viwanda Ltd
Kilimo Vault Co.
0+
Active Businesses
0M+
Transactions Processed
0
Core Business Modules
0.9%
Platform Uptime SLA
Platform Modules

Everything Your Business Needs

From daily transactions to strategic reporting — every module works seamlessly together in one unified platform.

Savings Management

Deposits, withdrawals, reversals, SMS balance alerts and staff assignments — all in one place.

DepositsWithdrawalsSMS AlertsPortfolio Reports

Loan Management

Issue, repay, clear and reverse loans. Repay directly from savings. Full portfolio reporting.

Loan IssuanceRepaymentClearanceStatements

Accounting & GL

Full double-entry GL with chart of accounts, trial balance, P&L, balance sheet and cash flow.

JournalsTrial BalanceP&LCash Flow

HR & Payroll

Employees, departments, shifts, attendance, leave, payroll with bank export file, staff loans, performance reviews and PDF payslips.

Payroll & Bank ExportAttendanceStaff LoansPerformance

Inventory & POS

Batch/serial tracking with FEFO logic, adjustments, purchasing and a full POS terminal.

Batch TrackingSerial NumbersPOS TerminalExpiry Reports

Accounts Receivable

Full invoice lifecycle from draft to payment. Submit, approve, post, pay and export PDF. AR Aging included.

InvoicingApproval FlowPaymentsAR Aging

Expense Management

Multi-stage workflow, attachment support, category management, approval chains and GL posting.

WorkflowCategoriesAttachmentsGL Posting

Reconciliation

Daily cash reconciliation wizard with teller voucher PDFs, approval center and exception investigation.

Daily WizardApprovalsPDF VouchersExceptions

FIAE Audit Engine

Import mobile money SMS data (HaloPesa, M-Pesa, Airtel), auto-parse to financial events, detect fraud patterns and resolve audit flags.

SMS ImportFraud DetectionAudit FlagsFloat Analytics

Strongroom Vault

Dual-control strongroom management with deposit/withdrawal workflows and running-balance statements.

DepositsWithdrawalsDual-ControlStatements

Commission Management

Manage float operators, post commissions, reverse transactions and analyse float movement.

OperatorsPostingFloat AnalyticsReversals

Month-End Closing

Guided closing wizard with configurable profit allocation rules, previews, history and automated GL entries.

Closing WizardAllocation RulesHistoryGL Automation

Bridge Transfers

Move funds between branches with full GL posting on both sides. Manager two-day view for clearing outstanding inter-branch balances.

Inter-BranchGL PostingBridge ManagerHistory

Customer Management

Central KYC-ready customer database linked across savings, loans, POS and invoices — with lifecycle status and national ID tracking.

KYC / NIDACustomer DatabaseLifecycle StatusCross-Module
How It Works

Up and Running in Minutes

Our team gets your entire organisation live — no IT team required.

1

Talk to Our Team

Tell us about your business and choose a plan — our team configures your organisation and gets you live, usually within one business day.

2

Set Up Branches & Staff

Create branches, assign roles and onboard your team. Fine-grained permissions ensure everyone sees only what they need.

3

Start Transacting

Process savings, loans, invoices, payroll and more. Every transaction posts to the GL automatically — always audit-ready.

Financial Intelligence

Real-time Financial Command Centre

Every transaction generates a GL entry automatically. Every report reflects live data — no manual reconciliation, no spreadsheets needed.

Complete Financial Statements

P&L, Balance Sheet, Cash Flow, Trial Balance and AR Aging — all exportable to PDF.

Automated Double-Entry

Every deposit, loan disbursement and expense creates balanced journal entries automatically.

Month-End Closing Wizard

Guided closing with configurable profit allocation rules and a full audit trail on every close.

Income Statement — June 2026
Total RevenueTSh 48,250,000
Cost of Goods SoldTSh 18,900,000
Gross ProfitTSh 29,350,000
Operating ExpensesTSh 8,400,000
Net Profit TSh 20,950,000
Human Resources

Workforce Management at Scale

From hiring to payslip delivery, GOJU CLOUD manages your entire HR lifecycle — including self-service portals for every employee.

Employee Lifecycle

Departments, positions, shifts, documents, emergency contacts and performance reviews — all linked.

Payroll Processing

Configurable salary structures, approval workflows, payslip PDFs and bank export files.

Attendance & Leave

Clock-in / clock-out, manual entry, leave requests and approval — with self-service access for all staff.

Payroll — June 2026
EmployeeNet PayStatus
Juma MakambaTSh 420KApproved
Salma MassaweTSh 385KApproved
Ally KarumeTSh 650KPending
Neema MapundaTSh 310KApproved
Paulo MwambaTSh 490KProcessing
Zuhura MsekwaTSh 275KApproved
Audit Intelligence

Built-in Fraud & Audit Detection

The FIAE module continuously monitors financial events, flags suspicious patterns and delivers real-time risk intelligence to managers before problems escalate.

Automated Audit Flags

System-generated flags for anomalies, unusual transactions and compliance breaches — with resolution tracking.

Fraud Indicators Dashboard

Visual risk scoring, fraud pattern identification and drill-down into suspicious financial events.

Daily Reconciliation Reports

Automated float movement, commission reconciliation and daily recon — all in one engine.

FIAE — Audit Flags 3 Open
HIGH RISKOpen
Unusual withdrawal pattern — Branch #3, Teller 07
TSh 4,800,000 · Jun 21, 2026 · 14:32
MEDIUMInvestigating
Daily cash balance variance exceeds threshold
TSh 120,000 variance · Jun 20, 2026
RESOLVEDClosed
Duplicate transaction sequence — resolved
Jun 19, 2026 · Closed by A. Karume
Pricing

Simple, Transparent Pricing

No hidden fees. No per-seat surprises. Pick the plan that fits and scale anytime.

Starter
TSh 25K/mo
Perfect for small SACCOs and micro-businesses getting started with digital finance.
Savings & Loans Management
Basic Accounting & GL
Up to 2 Branches
Up to 10 Staff Users
SMS Notifications
HR & Payroll Module
FIAE Audit Engine
Inventory & POS
Talk to Sales
MOST POPULAR
Business
TSh 75K/mo
The complete ERP for growing businesses needing full capabilities across multiple branches.
Everything in Starter
HR, Payroll & Leave
Inventory & POS
Invoicing & AR
Expense Management
Reconciliation Module
Up to 10 Branches
FIAE Audit Engine
Talk to Sales
Enterprise
Custom
For large organisations needing the full platform, custom integrations and a dedicated SLA.
Everything in Business
FIAE Audit Intelligence
Strongroom Vault
Commission Management
Unlimited Branches
Unlimited Staff Users
Dedicated SLA
Custom Integrations
Contact Sales
Testimonials

Trusted by Business Leaders

Hear from organisations already running on GOJU CLOUD.

★★★★★

"GOJU CLOUD replaced four separate systems we were using. Now our finance, HR and loan data all live in one place with a single audit trail. It's been transformative."

JM
Juma Makamba
CEO, Uhuru Finance SACCO
★★★★★

"The FIAE audit engine caught a cash discrepancy we would have missed until month-end. Real-time audit flags have saved us significant losses every quarter."

SM
Salma Massawe
Finance Director, TZ Viwanda Ltd
★★★★★

"Payroll used to take us three days. With GOJU CLOUD we process 200+ employees in under two hours. The payslip PDF and bank file export are massive time-savers."

AK
Ally Karume
HR Manager, Bahari Hotels
FAQ

Common Questions

Everything you need to know before getting started with GOJU CLOUD.

GOJU CLOUD is a multi-tenant cloud ERP platform for financial institutions, SACCOs, SMEs and enterprises. It covers savings, loans, accounting, HR, payroll, inventory, invoicing, audit intelligence and more — in one integrated system.
Yes. GOJU CLOUD supports unlimited branches per organisation. Each branch operates independently but rolls up into consolidated reports. Owners can switch between branches and manage all operations from a single login.
Every financial transaction — savings deposits, loan disbursements, expenses, invoices — automatically generates balanced journal entries against your chart of accounts. No manual journaling required. Your books are always balanced and audit-ready.
FIAE (Financial Intelligence & Audit Engine) is GOJU CLOUD's built-in audit and fraud detection system. It monitors all financial events, generates automated audit flags for anomalies, provides risk-scored dashboards and tracks flag resolution — giving management real-time financial oversight.
Yes. GOJU CLOUD includes self-service portals for employees to view and download their payslips, check attendance records, view their HR profile and manage leave requests — without needing HR department involvement.
Get in touch through the contact form below or by email. Our team will set up your organisation — chart of accounts, first branch and your owner login — and walk you through the platform, usually within one business day.
Get in Touch

Let's Talk About Your Business

Whether you're ready to migrate from spreadsheets, replace an existing system, or just exploring — our team will help you find the right fit.

Email Us

majimazuri21@gmail.com

Fast Onboarding

Our team sets up your organisation for you — most businesses are live within one business day.

Dedicated Support

Enterprise plans include a dedicated onboarding specialist and SLA.

Response Time

We reply to all enquiries within one business day.

Message Sent!

Thanks for reaching out. We'll get back to you within one business day.

Ready to Transform Your Business?

Join 500+ organisations already running on GOJU CLOUD. Talk to our team and get set up fast.