For traders and family shops
Your notebook, spoken
Say the sale out loud and it is written down. Say who took goods on credit and it is remembered. GEMJO keeps the shop book on the phone in your hand, in your own language, with or without network.
What you get
Speak the day
Sales, payments, expenses and deliveries, spoken in nineteen languages and written as you say them.
Know who owes you
Every credit sale with a name and a date, and a polite reminder ready to send on WhatsApp.
See what is finishing
What is left, what it cost, and day steps shaped to your trade — edited by voice or by typing.
Build a record that counts
Months of honest entries become a Financial Passport you can choose to show a lender.
Works with no signal
Opens in airplane mode, keeps working on a small data bundle, and sends itself when signal returns.
GEMJO keeps records and can introduce you to lenders who read them. It is not a bank or a lender, and no one here can promise you money.
GEMJO is not a bank or a lender and does not promise credit. It helps you prepare a lender-ready record; the lender decides.
Pricing
One price does not fit every market
A one-table shop in Kano and a bank in Nairobi do not buy the same thing. Tell us what you run and where, and a person answers with a figure that fits — in your own money, from the wallet you already use.
- We quote for your size: one shop, a chain of shops, a wholesaler, or an institution.
- Pay from the mobile wallet or bank your market already uses.
- Stop any month. Your records stay yours, and you can take them with you.
This is a request to talk, not an offer or a contract. Nothing is charged until you agree a written quote. GEMJO keeps records and makes introductions; it is not a bank, a lender or a deposit-taker.