Secure • Transparent • Automated
SACCO management software built for Kenya
Members, savings, shares, dividends and loans in one ledger, with M-Pesa payments, a member app and USSD. Stop reconciling spreadsheets.
Members: get the app
Every SACCO kept private
M-Pesa native
Exact dividend splits
SMS and app notifications
A complete SACCO system, not just a savings tracker
Every module your SACCO needs is included in one plan.
Members & KYC
Register or import members, keep documents, next of kin and guarantors, and verify KYC.
Savings & shares
Deposits, withdrawals and share capital, with a full statement for every member.
Loans & guarantors
Reducing-balance loans with guarantors, approvals, schedules, penalties and payouts.
Dividends
Declare a pool and it is split exactly by share balance, visible to every member.
M-Pesa & USSD
Members pay by M-Pesa prompt and it posts itself. Basic phones check balances by USSD.
Accounting & reports
A double-entry ledger underneath, with statements and reports in Excel or PDF.
Up and running in four steps
Sign up
Register your SACCO and get started.
Import members
Upload your member list from Excel and add opening balances.
Set your rules
Create savings, share and loan products that match your by-laws.
Invite members
Members see their accounts in the app, on the web or by USSD.
Questions SACCOs ask before switching
Is Kibubu made for Kenya? + −
Yes. Prices are in shillings, members pay by M-Pesa, and members without smartphones can use USSD.
Do you charge per member? + −
No. You pay one flat price for your SACCO, whatever the number of members.
We already use Excel. Can we bring our records? + −
Yes. Upload your member list from Excel, and add opening balances for savings, shares and loans.
Is our data kept separate from other SACCOs? + −
Yes. Every SACCO is fully isolated, and every change is recorded in an audit trail.
Do members need a smartphone? + −
No. Members can use the Android app or USSD on any phone, and both share the same PIN.