Run your SACCO like a modern financial institution — without the enterprise price tag.
Members expect to check balances, deposit via M-Pesa and apply for loans from their phone. We build the member portals, collection engines and loan systems that make that real — from an engineer who already runs payment platforms in production.
What's holding saccos & microfinance back
Contributions reconciled by hand
Staff spend days matching M-Pesa statements to member accounts. Errors creep in, members dispute balances, and month-end becomes a fire drill.
Loan applications stuck on paper
Paper forms and spreadsheets mean slow approvals, no audit trail, and no visibility into arrears until it is too late.
Members have no self-service
Every balance query is a phone call or a queue at the office. Younger members expect an app, not a passbook.
Reporting that regulators want is painful
Pulling the numbers SASRA and your board need takes days of manual spreadsheet work each cycle.
Software that fits how you actually work
Built for the SACCOs & Microfinance sector, wired for M-Pesa and the Kenyan reality.
Member portal & contributions
Members log in to see savings, shares and loan status, and top up via M-Pesa STK Push — auto-posted to the right account instantly.
Automated M-Pesa collections
C2B and STK Push collection with automatic reconciliation, so a deposit maps to a member without anyone touching a statement.
Loan management
Digital applications, approval workflows, disbursement, repayment schedules and arrears tracking with a full audit trail.
BOSA / FOSA operations
Handle both back-office savings and front-office banking flows, with role-based access for tellers, officers and management.
SASRA-ready reporting
Board and regulatory reports generated from live data — not stitched together in Excel the night before.
SMS & WhatsApp notifications
Members get instant alerts on deposits, loan approvals and due dates via KenyaSMS, our own bulk-SMS platform.
Every build includes
- M-Pesa STK Push + C2B with auto-reconciliation
- Member self-service portal
- Loan origination & repayment tracking
- Role-based staff access & audit logs
- Board & SASRA reporting
- SMS/WhatsApp member alerts
- Data-protection-compliant handling (DPA 2019)
- Training & post-launch support
SACCOs & Microfinance: common questions
Can you integrate with our existing SACCO system?
Often yes. We can build a modern member portal and M-Pesa collection layer on top of your current core system via API or scheduled sync, so you get self-service and clean reconciliation without ripping everything out.
How do M-Pesa contributions get matched to the right member?
We use STK Push (member initiates from the portal) and C2B with account references, so each payment carries the member/account identifier and is posted automatically. Unmatched payments go to a review queue instead of being lost.
Is member data handled securely and legally?
Yes. We build to the Kenya Data Protection Act 2019 with encryption, least-privilege access and audit logging, and we can provide our security and data-handling policies for your board and regulator.
What does a SACCO system cost?
It depends on scope — a member portal with M-Pesa collections starts around KES 150,000, while full loan management and BOSA/FOSA operations scale up from there. We scope and quote in writing before any commitment, and support milestone-based payment.
Ready to build it properly?
Free consultation, written scope, fixed price. We respond same-day, business hours EAT.
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