The susu collector’s notebook deserved better.
For generations, millions of Ghanaians have saved through susu — handing a few cedis each day to a collector who records it in a paper book. It works because of trust. But paper gets lost, totals get disputed, and a growing business quickly outgrows the notebook.
SBM SmartLedger, built by PM IT Solutions, was created to protect that trust with technology Ghanaians actually recognise — daily collections, mobile money top-ups, SMS confirmations on every transaction, and a clear record both the saver and the institution can see.
From a single susu collector to a Bank of Ghana–licensed savings & loans company, the platform grows with you — adding loans, fixed-deposit investments, payroll and multi-branch tools only when you need them.