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SACCOS & Microfinance System Members, savings, shares, loans and accounts with SMS alerts and a member portal.

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Ready-made system

SACCOS & Microfinance Management System

Run your SACCOS or microfinance from one simple, secure system

Members, savings, shares, loans, guarantors, repayments and accounting in one place, with SMS alerts and a self-service portal for every member.

Free registration · Your own private workspace · No card required

Questions? Call 0652 543 553 · WhatsApp

SACCOS & Microfinance Management System: Your SACCOS at a glance

Loan lifecycleFrom application to the last repayment

Member portalMembers see their own loans & shares

SMS alertsMembers informed on every transaction

Own databaseYour data is never shared

Take a tour

See how the SACCOS & Microfinance system works

Real screens from the system, explained in plain words.

Your SACCOS at a glance

Loan portfolio, pending applications, loans disbursed and share capital at the top. Fines, members, expenses, social contributions and monthly repayments below, with the loan trend and the latest activity.

Every member has their own account

Each SACCOS or VICOBA registers online and gets a private workspace. Members sign in to follow their own savings, shares and loans.

Like what you see? Start using the SACCOS & Microfinance system

Free help to get started, in person in Dar es Salaam or online anywhere in East Africa.

Talk to us: 0652 543 553 0652 543 553 WhatsApp

Features

Everything the SACCOS & Microfinance system does

Every module below is included. Tap a topic to jump to it.

Members

Register members with photo, next of kin and bank details
Member groups and a searchable member directory
Account and annual statements for every member
Self-service portal: members check their own loans, shares and reports

Savings, shares & contributions

Share capital and monthly share contributions
Social (welfare) contributions and social loans
Deposits, investments and asset register
Member fines with automatic tracking

Loans

Loan products with their own interest, period, maximum and insurance
Online loan applications with automatic interest and maximum-amount calculation
Guarantor approval, then committee approval or rejection
Repayments, penalties, overdue loans and loan closure

Collateral & guarantors

Collateral registry for every loan
Guarantors directory showing who guarantees whom
Guarantor confirms or declines from their own account

Accounting & approvals

Chart of accounts, income and expenses
Maker-checker: every transaction is pending until approved
Approved, pending and rejected transaction lists
Monthly collections and payment logs

Reports

Loan portfolio, repayments and interest reports
Shares, fines and income & expenditure reports
Per-member reports and SMS logs
Print or export for meetings and auditors

SMS, e-mail & payments

Automatic SMS and e-mail alerts to members
Coming soon: online payments with M-Pesa, Airtel Money, Mixx and cards
Coming soon: mobile app for members

Security & access

Separate private database for every organisation
Roles for chairperson, accountant, staff and members
Sign-in protection against repeated wrong passwords
English and Swahili

Getting started

Live in three simple steps

We set it up, move your data and train your team. You focus on your people.

Register your SACCOS free

Bring your records

We move members, shares and running loans from Excel or your old system.

Train and go live

Staff are trained on site; members start receiving SMS alerts the same week.

Questions

Frequently asked questions

Can the system follow our own bylaws and loan rules?

Yes. Each loan product has its own interest rate, repayment period, maximum amount, insurance and penalty rules, and membership and share rules are set to match your bylaws.

Do members get SMS when they pay or borrow?

Yes. Members receive SMS and e-mail alerts for contributions, loan approvals and repayments. You use your own SMS sender name.

Can members pay through mobile money?

Mobile money payments (M-Pesa, Airtel Money, Mixx by Yas and bank cards) are being added now. Until then, payments made by mobile money or bank are recorded in the system and members receive an SMS confirmation.

Can you move our data from Excel?

Yes. We import members, shares, savings and running loans from Excel or your previous system, and check the balances with you before going live.

Is our data private?

Yes. Every SACCOS has its own separate database, so no other organisation can ever see your members or balances.

Ready to start with the SACCOS & Microfinance system?