The operating system for your SACCO.
Savings, shares, and loans - every transaction backed by a balanced, audit-ready ledger. Members serve themselves. Staff stay in control.
One system, from the teller window to the AGM.
Savings and shares, never confused.
Mandatory, voluntary, fixed-term, goal, and junior accounts - each tracked separately from share capital, exactly as your bylaws and regulator expect. Withdrawals move through the same balanced ledger as everything else.
- Five product types, one system
- Share capital tracked apart from deposits
- Every withdrawal posts through the ledger
Loans that grow with your members.
Members apply and guarantors pledge and consent from their own phones. Every application moves through appraisal to decision with a full paper trail - before a shilling ever moves.
- Guarantor pledges require explicit consent
- Appraisal-to-decision, fully logged
- Borrow up to a configurable multiple of deposits
Retire the paper ledger.
Every deposit, withdrawal and disbursement posts as a balanced double-entry journal entry. Nothing is ever edited or deleted, only reversed. Your trial balance is one click away, and it always balances.
- Debits always equal credits
- Append-only - corrections are reversals
- Trial balance, one click away
See your SACCO clearly.
Live dashboards for staff, real-time statements for members. No more waiting for month-end to know where you stand.
- Live staff dashboards
- Real-time member statements
- No month-end wait to know where you stand
Built for regulators, not just spreadsheets.
ID formats, loan multipliers and withholding tax rates are configuration, not code - set once per country, correct for Kenya and Tanzania from day one, and ready for wherever you operate next.
Your SACCO, from anywhere.
A self-service portal lets members check balances, apply for loans and respond to guarantee requests without calling the office. Staff keep full control with role-based permissions.
Built around how SACCOs actually work.
Bilingual in English and Kiswahili from day one, with every screen shaped around real teller, loan officer and member workflows - not retrofitted from a generic template.
Ready to run your SACCO on solid ground?
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