Core Banking software solution which automates all banking activities in Front Office, Back-office, MIS section in Small & Growing Co-operative Societies (SACCOs) & similar banking institutions. Core Banking Solution which can facilitate Anywhere Banking across all branches of the Sacco, branch-wise as well as consolidated reporting at the Head Office.
Ease of use, accuracy, and prompt support services keeps your organization in the forefront in this competitive market. This along with below highlighted benefits of it makes it ideal and in most demand core-banking software for small & start-up co-operative societies.
Benefits of using our Sacco management System
- SMS banking available.
- Update with regulatory amendments.
- Complete data security.
- Consolidated reports of all branches available in the Head office.
- Anywhere transactions possible.
- Immediate SMS of high value transactions.
- Net-banking, SMS banking, ATM, RTGS, NEFT, Cheque, Bill payment.
- Complete package including Software, connectivity, data center etc. available on rental basis.
Top Features
Current & Savings Account
Deposit Account
Term Deposits
Other Features
H.O Consolidation
Credit Management
Term
Loans
Group
Loans
SMS Intergration
Cash Management
Mobile
App
Bank Deposits
Accounting
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FAQs
We typically include modules for member registration, savings accounts, loan processing (application, approval, disbursement, repayment), share contribution, dividend distribution, liquidity management, teller operations, financial accounting, reporting dashboards, compliance and audit trails, and mobile/online member access.
Yes. The architecture supports multi‑branch or multi‑Sacco deployment. Each branch can operate semi‑autonomously with local data, while central oversight can maintain consolidated reporting, policy enforcement, and financial controls.
We build in strong data protection practices: encryption of data at rest and in transit; secure authentication; role‑based access control; full audit logging; and strict adherence to data protection laws (e.g., Kenya’s DPA) and financial regulatory requirements across regions. Sensitive member identifiers are handled with care to prevent unauthorized exposure.
Members can submit loan applications via teller or online/mobile interface; the system enforces validation rules (eligibility, credit score, savings history); workflows route applications through approval levels; repayments are scheduled, tracked, with automated reminders; interest, penalties, and amortization schedules are computed accurately.
Yes. It supports multiple savings account types (fixed, ordinary, special), share capital contributions, recurring contributions, interest computations, bonus allocations, and ensuring members’ share accounts reflect contributions correctly.
Yes. The system offers online/mobile interfaces or portals for members to view balances, apply for loans, track repayments, view statements, and make contributions. Security and usability are both priorities, especially in low‑bandwidth contexts.
Dashboards include cash flow, loan portfolio health, delinquency rates, income vs expense, savings inflows, share ownership metrics, membership growth, and branch‑level performance. Custom reports can be generated for audits, regulatory submissions, or internal oversight.
Yes. The system can integrate with accounting modules, external payment gateways, treasury APIs, or broader ERP systems for synchronization of ledger entries, payment settlements, and cash flow tracking.
We perform data migration services that include data audit and cleanup, mapping legacy data to new schemas, validation and reconciliation, and user acceptance testing. This ensures historical records (transactions, balances, loans) are preserved and accurate.
Yes. We can implement risk scoring modules based on member history, saving patterns, repayment behavior, share capital, and external criteria. The system can flag high‑risk applications or set differential interest or collateral terms.
The system tracks repayment schedules, flags overdue loans, sends automated reminders or escalations, computes interest and penalties as per policy, and supports restructuring or write‑off workflows if required under governance guidance.
Yes. Members can request withdrawals or transfers (subject to policies), receive periodic statements, view transaction histories, and the system ensures accurate ledger updates and compliance with audit requirements.
Very flexible. Administrators can configure different interest rates for loan types, savings products, penalty fees, service charges, early repayment discounts, etc. These are managed via configuration without needing deep code changes.
Yes. Every major action (e.g. loan application, approval, repayment, share contribution) is logged with user, date/time, and action type. The system can generate statutory reports required by financial regulators, SACCO authorities, or central banks, depending on jurisdiction.
We design for high availability, including redundant infrastructure, routine backups (incremental and full), offsite or cloud backups, and disaster recovery plans. This ensures minimal downtime and safe data restoration where needed.
Yes. We conduct training for staff (operations, finance, management), user onboarding for Saccos members (especially for digital access), helpdesk support, system documentation, and periodic updates.
The system scales both in number of members and transaction volume. Whether you add more branches, more loan products, or more integrations, the system is built to manage performance and maintain service levels.
Yes. We integrate with mobile payment platforms, digital wallets, and other payment channels so that members can make savings contributions, loan repayments, or share purchases via digital means, where permitted by regulation.
The system provides transparent calculation of all charges and interest, supporting multiple periods (daily, monthly), compound interest if required, and automated collection via member ledgers or integrated payment gateways. Fee schedules are configurable.
We can configure lightweight or offline‑capable interfaces for branch offices or member interactions in low‑bandwidth settings. Also, mobile access is optimized, and critical member notifications (SMS/email) ensure outreach even when network connectivity is variable.
Q: What core modules are included in your Sacco Management System?
A: We typically include modules for member registration, savings accounts, loan processing (application, approval, disbursement, repayment), share contribution, dividend distribution, liquidity management, teller operations, financial accounting, reporting dashboards, compliance and audit trails, and mobile/online member access.
Q: Can the system handle multiple Saccos or branches under one administration?
A: Yes. The architecture supports multi-branch or multi-Sacco deployment. Each branch can operate semi-autonomously with local data, while central oversight can maintain consolidated reporting, policy enforcement, and financial controls.
Q: How do you ensure member data security and regulatory compliance?
A: We build in strong data protection practices: encryption of data at rest and in transit; secure authentication; role-based access control; full audit logging; and strict adherence to data protection laws (e.g., Kenya’s DPA) and financial regulatory requirements across regions.
Q: How does loan application, approval, and repayment work in your system?
A: Members can submit loan applications via teller or online/mobile interface. The system enforces validation rules, routes workflows for approval, tracks repayments, and automatically computes interest and penalties.
Q: Does the system support different types of savings products and share contributions?
A: Yes. It supports multiple savings account types, share capital contributions, recurring contributions, interest computations, and bonus allocations.
Q: Can members access their accounts via mobile or online platforms?
A: Yes. Members can view balances, apply for loans, track repayments, and access statements through secure online or mobile portals.
Q: What financial reporting and dashboards are available to management?
A: Dashboards include cash flow, loan portfolio health, delinquency rates, income vs. expenses, savings inflows, and membership growth.
Q: Do you integrate with other financial or ERP systems?
A: Yes. We support integration with accounting software, payment gateways, core banking APIs, and ERP modules for seamless operations.
Q: What is the process for migrating existing member and financial data?
A: We conduct a full audit, cleanse legacy data, map it to new formats, validate, reconcile, and test before going live to ensure accuracy.
Q: Can the system support loan risk assessment and credit scoring?
A: Yes. We implement risk scoring models using credit history, savings behavior, loan tenure, and repayment discipline.
Q: What happens if a loan becomes delinquent?
A: The system flags overdue accounts, sends reminders, computes penalties, and supports recovery or restructuring workflows.
Q: Can the system handle member withdrawals, transfers, and statements?
A: Yes. Members can request withdrawals or transfers, and the system updates ledgers and provides downloadable statements.
Q: How flexible are interest rate and fee configurations?
A: Very. Administrators can set differentiated rates and fees per product type and member group, and configure them via settings.
Q: Do you offer regulatory compliance features?
A: Yes. We support audit trails, reporting formats required by authorities, and data access controls to maintain compliance.
Q: What is your approach to system uptime and disaster recovery?
A: We maintain high availability through cloud and on-premise backups, routine snapshots, and failover infrastructure.
Q: Do you provide training and support for Sacco staff and members?
A: Yes. We provide hands-on training, manuals, dedicated onboarding, and ongoing helpdesk support.
Q: How scalable is the system for growing member bases?
A: The platform is designed to grow with your Sacco—supporting thousands of members and increasing transaction volumes effortlessly.
Q: Is there support for mobile money or USSD integration?
A: Yes. We offer integration with M-Pesa, Airtel Money, and USSD channels to facilitate payments and member engagement.
Q: How are fees and charges computed and tracked?
A: Fees are computed per policy—daily, monthly, or flat rate—and tracked in real-time within member and Sacco ledgers.
Q: How accessible is the system for remote or low-bandwidth users?
A: We optimize for low-bandwidth conditions and provide USSD and SMS fallback for areas with limited connectivity.
