📖 Mwongozo wa Matumizi

Jinsi ya kutumia Numi Finance kwa ufasaha — hatua kwa hatua

📋 Yaliyomo

  1. Kuanza na Numi (Usajili)
  2. Dashibodi Kuu
  3. Kuongeza Muamala
  4. Hamisho la Fedha
  5. Bajeti
  6. Madeni na Mikopo
  7. Malengo ya Akiba
  8. Ripoti na Maarifa
  9. Numi Premium ⭐
  10. Mipangilio
🚀

1. Kuanza na Numi

Usajili na kuandaa programu yako

  1. Taarifa Binafsi — Weka jina lako kamili, barua pepe, na namba ya simu.
  2. Uthibitisho (OTP) — Ikiwa ulishawahi kutumia Numi, namba ya siri itatumwa kwenye barua pepe yako ili kurejesha data zako.
  3. Mapendeleo — Chagua sarafu unayotumia (TSh) na mitandao unayotumia (M-Pesa, Tigo Pesa, CRDB, n.k.).
  4. PIN ya Ulinzi — Weka namba ya siri (PIN) ya tarakimu 4. Unaweza pia kuwasha alama ya kidole (Biometric).
💡 Mfano: Ikiwa jina lako ni "Juma", weka barua pepe juma@email.com na uchague sarafu ya TSh. Kisha tengeneza PIN yako ya siri kama 1234.
🏠

2. Dashibodi Kuu

Kitovu cha programu yako

Jumla ya Salio — Kiasi cha fedha kwenye mifuko yako yote. Bonyeza icon ya jicho kuficha.
Kadi za Mifuko — Inaonyesha salio la M-Pesa, Tigo Pesa, Benki kwa haraka.
Vitendo vya Haraka — Vitufe vya kuongeza miamala, bajeti, madeni, na ripoti.
Miamala ya Hivi Karibuni — Orodha ya matumizi au mapato yako ya mwisho.
💡 Mfano: Dashibodi enaweza kuonyesha una TSh 500,000 kwa ujumla. Chini yake, unaona TSh 200,000 ziko M-Pesa na TSh 300,000 ziko Benki.
💸

3. Kuongeza Muamala

Rekodi mapato na matumizi yako

  1. Chagua Aina — Bonyeza "Lipa" kwa matumizi au "Pokea" kwa mapato.
  2. Weka Kiasi — Andika kiasi cha fedha, mfano 10,000.
  3. Chagua Jamii — Chagua kama ni Chakula, Usafiri, Bili, au Burudani.
  4. Maelezo/Risiti — Andika muamala huu umefanyika kwa nani na piga picha ya risiti.
💡 Njia ya SMS: Nakili ujumbe wa SMS kutoka M-Pesa au Benki na kuupaste kwenye tab ya "SMS". Numi itasoma kiasi na mtoa huduma moja kwa moja!
💡 Mfano: Umenunua chakula cha mchana kwa TSh 5,000. Fungua "Add Transaction", chagua "Pay", weka 5,000, chagua jamii ya "Chakula", kisha Save.
🔄

4. Hamisho la Fedha

Hamisha fedha kati ya mifuko yako

  1. Kutoka (From) — Chagua mfuko unamotoa fedha (mfano: Benki).
  2. Kwenda (To) — Chagua mfuko unakopeleka fedha (mfano: M-Pesa).
  3. Kiasi — Weka kiasi unachohamisha na bonyeza "Kamilisha Uhamisho".
💡 Mfano: Umetoa TSh 50,000 kwenye akaunti ya CRDB na kuziweka kwenye M-Pesa. Numi itapunguza salio la Benki na kuongeza salio la M-Pesa kwa wakati mmoja.
📊

5. Bajeti

Dhibiti matumizi yako kila mwezi

Weka Bajeti — Pangia kila jamii kiasi chake (mfano Usafiri: TSh 50,000 kwa mwezi).
Ufuatiliaji — Numi itakuonyesha asilimia ngapi umetumia na kiasi gani kimebaki.
Tahadhari — Rangi itabadilika kuwa njano au nyekundu ukikaribia kuzidisha bajeti.
💡 Mfano: Umejipangia bajeti ya TSh 100,000 kwa Bili. Ukishalipia TSh 80,000, Numi itakuonyesha umetumia 80% na imebaki TSh 20,000.
🤝

6. Madeni na Mikopo

Fuatilia madeni yako yote

  1. Kuongeza Deni — Bonyeza "+" kwenye screen ya Debts. Andika jina la mtu, kiasi, na aina ya deni.
  2. Kupunguza Deni — Bonyeza deni husika kisha chagua "Add Payment" kila unapofanya malipo.
  3. Historia — Angalia kila tarehe uliyolipa na kiasi kilichobaki.
💡 Mfano: Umemkopesha Anna TSh 20,000. Akikulipa TSh 10,000, unaongeza malipo, na Numi itakuonyesha Anna sasa anadaiwa TSh 10,000 pekee.
🏦

7. Malengo ya Akiba

Weka malengo na ufuatilie maendeleo yako

  1. Lengo Jipya — Bonyeza "Add Goal" na uweke jina, kiasi unacholenga, na icon unayopenda.
  2. Kuweka Akiba — Bonyeza kadi ya lengo lako na uchague "Add Saving" kila ukiweka fedha.
  3. Mifuko — Ainisha kama akiba iko kwenye Cash, Benki, au M-Pesa.
💡 Mfano: Una lengo la TSh 400,000. Kila mwezi ukiweka TSh 50,000, Numi itakuonyesha progress bar ikisogea mpaka ufikie 100%.
📈

8. Ripoti na Maarifa

Pata picha kamili ya fedha zako

Ripoti — Chati zinazoonyesha unatumia wapi pesa nyingi zaidi (40% Chakula, 20% Usafiri, n.k.).
Export — Toa data zako kwa mfumo wa Excel (CSV) au PDF.
Maarifa (Insights) ⭐ Premium — Ushauri wa AI kuhusu jinsi ya kuokoa fedha zaidi.
⭐

9. Numi Premium

Huduma za ziada kwa bei ndogo

Bajeti ya Otomatiki — Numi itakutengenezea bajeti kulingana na kanuni za 50/30/20.
Risiti Zisizo na Kikomo — Hifadhi risiti nyingi uwezavyo bila kikomo.
Smart Insights — Ushauri wa kina wa AI kuhusu matumizi yako.
Cloud Backup — Data zako zitahifadhiwa mtandaoni. Hata ukipoteza simu utazikuta.
⚙️

10. Mipangilio

Badilisha mapendeleo yako

Kubadilisha Lugha (Kiswahili / Kiingereza)
Kuona Sarafu yako (imewekwa wakati wa usajili)
Kubadilisha PIN ya ulinzi
Kushirikisha programu na marafiki
Kusimamia mitandao yako (Providers)

Je, unahitaji msaada?

Tuko hapa kukusaidia wakati wowote. Wasiliana nasi.

support@numi.co.tz

📖 User Guide

How to use Numi Finance — step by step

📋 Contents

  1. Getting Started (Registration)
  2. Main Dashboard
  3. Adding a Transaction
  4. Transferring Funds
  5. Budgets
  6. Debts & Loans
  7. Savings Goals
  8. Reports & Insights
  9. Numi Premium ⭐
  10. Settings
🚀

1. Getting Started

Registration and app setup

  1. Personal Info — Enter your full name, email address, and phone number.
  2. Verification (OTP) — If you've used Numi before, a code will be sent to your email to restore your data.
  3. Preferences — Choose your currency (TSh) and the networks you use (M-Pesa, Tigo Pesa, CRDB, etc.).
  4. PIN Security — Set a 4-digit PIN to lock your app. You can also enable biometric authentication.
💡 Example: If your name is "John", enter your email john@email.com and choose TSh as your currency. Then create your secret PIN.
🏠

2. Main Dashboard

The heart of your app

Total Balance — Total funds across all your wallets. Tap the eye icon to hide.
Wallet Cards — Quick view of M-Pesa, Tigo Pesa, Bank balances.
Quick Actions — Buttons to add transactions, budgets, debts, and reports.
Recent Transactions — List of your latest expenses or income.
💡 Example: The dashboard might show you have TSh 500,000 total. Below that, TSh 200,000 is in M-Pesa and TSh 300,000 is in your Bank.
💸

3. Adding a Transaction

Record your income and expenses

  1. Choose Type — Tap "Pay" for expenses or "Receive" for income.
  2. Enter Amount — Type the amount, e.g. 10,000.
  3. Select Category — Choose Food, Transport, Bills, or Entertainment.
  4. Notes/Receipt — Add who the transaction was with and attach a receipt photo.
💡 SMS Feature: Copy an SMS message from M-Pesa or your Bank and paste it into the "SMS" tab. Numi will automatically read the amount and provider!
💡 Example: You bought lunch for TSh 5,000. Open "Add Transaction", tap "Pay", enter 5,000, select "Food" category, then Save.
🔄

4. Transferring Funds

Move money between your wallets

  1. From — Select the wallet you're sending from (e.g. Bank).
  2. To — Select the wallet you're sending to (e.g. M-Pesa).
  3. Amount — Enter the amount and tap "Complete Transfer".
💡 Example: You withdrew TSh 50,000 from CRDB and deposited it to M-Pesa. Numi will reduce the Bank balance and increase the M-Pesa balance simultaneously.
📊

5. Budgets

Control your monthly spending

Set Budget — Assign an amount for each category (e.g. Transport: TSh 50,000/month).
Tracking — Numi shows you what percentage you've spent and what's remaining.
Alerts — Color changes to yellow or red when you're near your budget limit.
💡 Example: You set a budget of TSh 100,000 for Bills. After paying TSh 80,000, Numi shows you've used 80% with TSh 20,000 remaining.
🤝

6. Debts & Loans

Track all money owed to you or by you

  1. Add Debt — Tap "+" on the Debts screen. Enter the person's name, amount, and debt type.
  2. Record Payment — Tap the debt and select "Add Payment" each time a payment is made.
  3. History — View every payment date and remaining balance until the debt is cleared.
💡 Example: You lent Anna TSh 20,000. When she repays TSh 10,000, you add a payment, and Numi shows Anna now owes TSh 10,000 only.
🏦

7. Savings Goals

Set goals and track your progress

  1. New Goal — Tap "Add Goal" and enter a name, target amount, and icon.
  2. Add Savings — Tap your goal card and select "Add Saving" whenever you save money.
  3. Wallet Type — Specify whether savings are in Cash, Bank, or M-Pesa.
💡 Example: You have a goal of TSh 400,000. Every month you save TSh 50,000, Numi shows a progress bar moving until you reach 100%.
📈

8. Reports & Insights

Get a complete picture of your finances

Reports — Charts showing where most of your money goes (40% Food, 20% Transport, etc.).
Export — Export your data as Excel (CSV) or PDF.
Insights ⭐ Premium — AI-powered advice on how to save more money.
⭐

9. Numi Premium

Extra features at a low price

Auto Budgeting — Numi creates your budget using the 50/30/20 rule.
Unlimited Receipts — Store as many receipts as you want.
Smart Insights — Deep AI analysis of your spending habits.
Cloud Backup — Your data is backed up online. Even if you lose your phone, you'll find it.
⚙️

10. Settings

Customize your preferences

Change Language (Swahili / English)
View your Currency (set during registration)
Change your security PIN
Share the app with friends
Manage your wallet providers

Need help?

We're here to help anytime. Contact us.

support@numi.co.tz