SACCO Software credit cooperatives.
Manage member accounts, loans, contributions, and dividends with full regulatory compliance built in. Designed for the realities of Kenyan SACCOs — from small employer-based co-ops to large deposit-taking institutions.
Everything included
Member & Share Management
Register members, track share capital contributions, and maintain a complete membership register with KYC documentation.
Loan Origination & Processing
Full loan lifecycle — application, appraisal, approval, disbursement, repayment scheduling, and arrears tracking in one workflow.
Deposits & Withdrawals
Member savings accounts with interest accrual, minimum balance rules, and real-time transaction history accessible to members.
Dividend & Interest Calculation
End-of-year dividend and interest-on-deposits calculations automated based on your SACCO's bylaws and period results.
Regulatory Compliance
Built-in reports for SASRA submissions, statutory reserve calculations, and audit-ready financial statements.
Member Self-Service
Members check balances, apply for loans, and download statements via a mobile app or USSD — reducing branch queues significantly.
Our delivery process
A structured process means fewer surprises, faster delivery, and a better end result for everyone.
SACCO Requirements Review
We study your bylaws, current processes, membership size, and regulatory obligations before designing the system.
Data Migration
Existing member records, loan history, and share registers are migrated and validated before go-live.
Parallel Operation
The system runs alongside your existing process for a full cycle to validate all calculations and balances.
Training & Compliance Handover
Staff trained on all modules. Compliance officer briefed on regulatory reporting capabilities.
Technologies & Tools
Your next great product
starts with one conversation.
Whether you have a detailed brief or just a rough idea — we'll help you shape it into something exceptional. No hard sells, no jargon.
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30-min discovery session with a senior engineer
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Instant response from our team in EAT timezone
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Share your idea — we respond within one business day
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Drop your email — we'll send you a free technology brief tailored to your industry.