Manage members, savings, and loans with clarity and control.
A management system for SACCOs (savings and credit cooperatives) to manage member accounts, savings, loans, and reporting.
- Savings & Credit Cooperatives
- Microfinance Institutions
- Table Banking Groups
- Chamas & Investment Clubs
- Welfare Associations
At A Glance
The cooperative's numbers, the moment you log in
Membership, completed loans, active loans, and pending approvals surface immediately, so leadership never has to ask for a status update.
All customers
Completed loans
Active loans
Pending loans
See It In Action
Every function, one menu bar away
The Challenge
A cooperative's trust is only as strong as its records
- Manual tracking of member savings and loan balances
- Difficulty producing accurate, timely financial reports
- Risk of errors in loan calculations and repayment tracking
The Solution
Every member, saving, and loan in one ledger
A system that centralizes member accounts, savings, loan management, and reporting for SACCO administrators.
Key Features
Built around savings, credit, and member trust
From the first deposit to the final loan repayment, one system carries the full cooperative relationship.
Member Registration
Register customers and non-customers, set up GL accounts, banks, customer groups, payment modes, currencies, agents, and user roles from one registration hub.
Savings, Deposits & Shares
Track member savings, share capital, and deposit balances automatically, with running summaries always ready for a member or the whole cooperative.
Loan Lifecycle Management
Build loan products, capture applications and collateral, and apply your own repayment formulas — from disbursement through to full settlement.
Member Transactions
Handle eTransactions, client payments, fund transfers, withdrawals, and account statements without leaving the member's profile.
Finance & Accounting
Balance sheet, cashbook, bank reconciliation, budgeting, journal entries, fixed assets, and dividend allocation keep the books audit-ready year round.
Profit & Loss Tracking
Income and expenses roll up into a live income statement, so committee members always know where the SACCO stands financially.
Reports & Portfolio Insight
Loan portfolio, CIC, disbursement, defaulted loans, savings and shares balances, and cash flow reports are ready to export whenever the board asks.
Bulk SMS Communication
Reach every member with SMS for repayment reminders, meeting notices, or dividend announcements, and track delivery straight from the address book.
Finance & Reporting
Books the auditor and the board both trust
Profit & loss, portfolio quality, and member communication stay one click away from the same dashboard.
Benefits
What changes for the cooperative
- Accurate, up-to-date member financial records
- Reduced manual error in loan and savings calculations
- Simplified reporting for management and auditors
Who It's For
Built for the people who hold the cooperative's trust
- SACCO administrators
- Loan officers
- Finance and accounts teams
Ready to modernize your SACCO?
Request a demo and we'll show you how it fits your savings, credit, and membership operations.