Overview
Running a SACCO or microfinance institution on Excel — or on a legacy system nobody maintains — means compliance headaches, no audit trail, and members who cannot get a simple balance without visiting the office. Our microfinance system digitizes the full operation: members, savings, shares, loans, and reporting in one platform.
The loan management module covers the full lifecycle — application, appraisal, approval workflows, disbursement, repayment schedules, arrears, and restructuring — with M-Pesa integration for both disbursement and repayments. Members repay from their phones, and every shilling posts to the right account automatically with a complete audit trail.
Built for Kenyan SACCOs and MFIs, the system produces the regulatory and board reports you actually need, supports role-based access with maker-checker controls, and can add member USSD and SMS access. Your board gets digital reports, your regulator gets compliance dashboards, and your members get service that feels like a bank.
Key features
Full loan lifecycle management
Applications, appraisal, approval workflows, disbursement, schedules, arrears, penalties, and restructuring — end to end.
Member and share accounts
Savings, deposits, shares, and dividends per member, with statements available on demand.
M-Pesa disbursement and repayment
Disburse loans to M-Pesa and collect repayments via paybill with automatic posting to the right loan account.
Regulatory and board reporting
SASRA-aligned returns, portfolio-at-risk, and board packs generated from live data — not month-end spreadsheet marathons.
Maker-checker controls and audit trail
Role-based access with approval chains and a tamper-evident log of every transaction and change.
Member self-service
USSD and SMS balance checks, mini-statements, and loan status — members get answers without calling the office.
Who it's for
- SACCOs with 500+ members moving off Excel or a legacy DOS-era system
- Microfinance institutions that need audit trails and regulator-ready reporting
- Digital lenders that want loan management with native M-Pesa disbursement
- Chamas and cooperatives formalizing into regulated deposit-taking entities
Modular pricing in KES
Starter plans from KES 5,000/month, scoped to your team, integrations, and support level. Standard onboarding takes 48 hours.
See how pricing worksFrequently asked questions
Does it support SASRA regulatory reporting?
Yes. The system generates SASRA-aligned returns and compliance reports from live transaction data, plus portfolio-at-risk and board reporting.
Can members repay loans via M-Pesa?
Yes. Repayments come in through your paybill and post automatically to the member's loan account, with receipts sent by SMS. Disbursements can also go straight to M-Pesa.
How do we migrate from our current system or Excel?
We handle data migration as part of onboarding — members, balances, share capital, and active loan schedules — and reconcile everything with your team before go-live.
Is there an approval workflow for loans?
Yes. Configurable approval chains with maker-checker controls, committee approvals, and a full audit trail of who approved what and when.
What does SACCO software cost in Kenya?
Pricing depends on member count, branches, and integrations, quoted openly in KES. Most SACCOs receive a formal proposal with references within a few days of a discovery call.
Need something custom?
See it live
Book a free 30-minute demo tailored to your operation, or request a quote and we'll reply with scope, timeline, and investment.