Members
Registration, KYC documents, next of kin, share capital and statements. Every member has one record and one history, from the day they joined.
- Member onboarding and KYC
- Share capital tracking
- Statements on demand
- Dormant and exited members
Sacco Pro
The system your SACCO runs on
Members, savings, loans, dividends, M-Pesa and the returns you have to file — in one place, built for Kenyan savings and credit societies and run by people you can ring.
- Free demo account
- We migrate your members
- Support in your timezone
What it covers
Everything a sacco does, in one system
Not six programs that have to be reconciled on a Friday. One set of figures, one audit trail, one place to look.
Savings & deposits
Multiple products with their own rules — ordinary, fixed, holiday, school fees — each with its own interest basis and withdrawal terms.
- Any number of savings products
- Interest worked out per product
- Standing orders and check-off
- Withdrawal approval trail
Loans
From application to final repayment: appraisal, guarantors, committee approval, disbursement, schedules and arrears — with the rules enforced rather than remembered.
- Appraisal against savings multiples
- Guarantor exposure checked
- Reducing balance or flat rate
- Arrears ageing and provisioning
M-Pesa & bank
Paybill collections posted to the right member automatically, and bank statements reconciled against what the books say.
- Paybill and till collections
- Automatic member matching
- B2C disbursement
- Bank reconciliation
Dividends & interest
Work out dividends on share capital and interest on deposits, run them past the board, and post them once everybody agrees.
- Dividend on share capital
- Interest on deposits
- Run, review, then post
- Member-by-member breakdown
Reporting & SASRA
The returns a regulated sacco has to file, and the management accounts the board asks for, out of the same figures.
- SASRA-shaped returns
- Trial balance and P&L
- Loan classification
- Full audit trail
Why societies move
The month-end that takes a day instead of a week
Most saccos we meet are running on a spreadsheet for savings, a second one for loans, and somebody's memory for the rest. It works until it does not — and it fails at exactly the moment it matters, which is month-end or an audit.
- Interest and dividends worked out once Not recalculated by hand each year, with a different answer each time.
- Arrears you can see coming Loans ageing into classification before they become a write-off.
- A member answered in seconds Their balance, their loan, their guarantors, without a phone call to the office.
- Books that agree with the bank Because the collections posted themselves when they arrived.
See it with your own numbers
We will set you up a demo account loaded with sample members, savings and loans so you can click through the month-end you actually run. It costs nothing and takes about a day to arrange.
The login is sent to you by email and text.
Getting started
Four steps, and we do most of them
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1
See it
Ask for a demo. We set up an account and send you the link and login.
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2
We set it to your by-laws
Your savings and loan products, your interest rules, your approval limits.
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3
Your members come across
Balances migrated and reconciled against your books before you go live.
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4
Training, then live
Your staff trained on their own data, with somebody on the end of a phone.
Before you ask
The questions we get on the first call
Can it run our existing products, or do we change to suit it?
Your products, your rules. Savings and loan products are set up with their own interest basis, terms and limits — we configure them from your by-laws during setup, not the other way round.
What about the members we already have?
We migrate them. Members, share capital, savings balances and running loans come across with their history, and we reconcile the opening balances with your books before you go live.
Does it handle M-Pesa?
Yes — paybill collections post against the right member automatically, and disbursements go out the same way. Unmatched payments go to a holding account for somebody to assign rather than being guessed at.
Are we covered for SASRA?
The regulatory returns come out of the same figures as the management accounts, so what you file and what the board sees agree. We keep the formats current as they change.
Where does it run, and who holds the data?
Hosted by us on servers in the region, or on your own if you would rather. Either way the data is yours, backed up nightly, and you can have an export of it at any time.
What does support look like after go-live?
Training for your staff, a named person to call, and updates included. We are in Kenya, in your timezone, and we answer the phone.
Have a look before you decide anything
A demo account, loaded with sample data, yours for a fortnight. No cost and no salesman sitting beside you.
