Design and Development of Village Banking Mobile App

Village banking has long provided vital financial services to underserved communities, especially in sub Saharan Africa. Manual, paper based record keeping makes these schemes inefficient, error prone, and hard to scale. This paper presents the design and development of a Village Banking Mobile App that automates contributions, loan management, and interest calculations; introduces collateral backed lending to mitigate default risk; and supplies members with real time statements and notifications. Built with React Native (JavaScript/TypeScript), Expo Router, Remix Run, Metro, Babel, SQLite, and Node.js, the solution improves transparency, accessibility, and operational efficiency, ultimately advancing financial inclusion.