1. Member savings and loans, with every shilling accounted for
A SACCO runs on trust. Members need accurate statements, the board needs to see arrears early, and officers need to know that every change to a balance can be traced. Paper ledgers and general spreadsheets make all three harder than they should be.
On screen: our design, with invented sample data.
2. From application to the last repayment
A loan, end to end
- 01
Application
The member applies; eligibility is checked against savings and history.
- 02
Guarantors
Guarantors recorded and their exposure checked, where your policy uses them.
- 03
Approval
Committee or officer approval, with maker-checker where scoped.
- 04
Disbursement
Recorded once, reflected in the member's statement.
- 05
Repayment and arrears
Schedules, reminders and arrears ageing that the board can see.
3. Built around your by-laws
Configurable modules
Products, interest methods and approval rules follow your SACCO's policies.
Members
Registration, next of kin and membership status.
Savings and shares
Deposits, withdrawals and share capital.
Loans
Products, schedules, penalties and top-ups.
Statements
Member statements on demand.
Reports
Portfolio, arrears and cash-flow summaries for the board.
4. Users, connections and data
Who uses it
- TellersDeposits, withdrawals and repayments
- Loan officersApplications and appraisals
- Credit committeeApprovals and rejections
- Manager and boardReports and oversight
- AuditorRead-only access to transactions and logs
Connects to
- Mobile money collections
- SMS notifications
- Accounting exports
- Excel migration of existing records
Mobile money and SMS connections depend on agreements with those providers.
Data and security
- No single person can create and approve the same loan, where maker-checker is scoped
- Every balance change is traceable to a user and a time
- Members' personal details visible only to roles that need them
- This is a management system; it does not claim regulatory approval
Talk to us about sacco and finance systems
Tell us how the work runs today. The first conversation is about understanding it, not selling a package.
Discuss a SACCO System