Members & KYC
Register members one by one or import them from Excel. Keep IDs, next of kin, guarantors and documents on each profile, and verify KYC before a member goes active.
Every feature your SACCO needs, in one plan
No add-on modules and no per-member fees.
Savings
Any number of savings products with deposits, withdrawals, interest and a full running statement for every member.
Shares & dividends
Share capital with transfers, then declare a dividend and have it split exactly by share balance, with an audit trail.
Loans & guarantors
Loan products with reducing-balance or flat interest, guarantors who accept in the app, approval steps, disbursement, schedules, penalties and write-offs.
M-Pesa & bank
Members pay by M-Pesa prompt and it is posted to the right account automatically. Pay out loans by M-Pesa, and match bank statements.
Member app & USSD
Members see balances, apply for loans, pay and guarantee friends in the app. One PIN works in the app and on USSD for basic phones.
Accounting & reports
Every transaction posts to a double-entry ledger. Trial balance, income and balance sheet, arrears and member statements, exported to Excel or PDF.
SMS & email
Automatic texts and emails for deposits, repayments and arrears reminders, plus push notifications in the member app. Use your own SMS account.
Staff, roles & audit
Give each staff member only the access their job needs. Every change is recorded in an audit trail you can search.
USSD needs a short code from your network provider, which is arranged separately.