SACCOs, chamas & investment groups

SACCO and chama software that tracks every shilling

Members, savings, shares and loans tracked to the shilling, with M-Pesa deposits that post themselves, instant member statements and reports ready for the AGM.

FromKES 150,000
Ask on WhatsAppGet a fixed quote
  • Fixed quote in writing
  • You own everything
  • M-Pesa built in
Overview

Built around how Kenyan SACCOs and chamas really work

Whether you’re a chama of twenty members or a SACCO with several branches, the questions are the same: who has paid, who owes, how much can each member borrow, and what is this year’s dividend? Spreadsheets and paper ledgers make those questions slow and risky to answer.

Members contribute by M-Pesa using their member number, and the system posts each payment to the right account and sends a confirmation. Loans follow your rules: limits as a multiple of savings, guarantors, interest methods, repayment schedules and penalties, with approvals by the credit committee.

Members check balances and statements on their phones or by SMS, and officials get the reports they need for meetings, audits and returns. Add a staff AI assistant that knows your by-laws and loan policy, or a WhatsApp chatbot for member questions.

Features

Features of the SACCO system

Member accounts

Registration, KYC documents, next of kin, shares, deposits and savings for each member.

M-Pesa contributions

Deposits and repayments through your Paybill posted to the right member, with SMS confirmation.

Loans and guarantors

Applications, eligibility checks, guarantors, approvals, schedules, interest and penalties.

Dividends and interest

Year-end interest on deposits and dividends on shares, calculated and posted.

Statements and reports

Member statements, loan book, arrears, trial balance and AGM reports.

Controls and audit trail

Maker-checker approvals, role-based access and a log of every change.

Built for

Who uses our SACCO system

Chamas & investment groups

Contributions, fines, loans and investments without the treasurer’s notebook.

Community & farmer SACCOs

Members across villages, with M-Pesa deposits and SMS statements.

Employer-based SACCOs

Check-off deductions from payroll files, matched to members each month.

Welfare groups & table banking

Simple savings, loans and welfare payouts with clear records.

Pricing

SACCO system pricing and what’s included

FromKES 150,000

SACCO and chama systems start at KES 150,000. Small chamas can start on a lighter setup for less, while deposit-taking SACCOs with branches, M-Pesa loan disbursement and detailed regulatory reports are quoted after a call.

Get a fixed quote WhatsApp

Included

  • Setup of your savings, share and loan products
  • Import of members, balances and running loans
  • M-Pesa Paybill integration with automatic posting
  • Member statements by SMS and online
  • Training for officials and staff
  • Launch support and an optional maintenance plan

Works with

  • M-Pesa Daraja (C2B & B2C)
  • Africa’s Talking SMS
  • Bank statement import
  • Employer check-off files
  • Excel import & export
  • Accounting export
How it works

From first message to launch

  1. 1

    Chat or send a brief

    Message us on WhatsApp, or write up what you need. A quick video works too.

  2. 2

    Video call

    30 minutes to talk goals, customers, features and budget. No jargon.

  3. 3

    Quote & deposit

    A fixed price and timeline in writing. A 50% deposit books your slot.

  4. 4

    Build, launch, support

    You review as we build, we test speed, SEO and payments, then go live and keep it running.

FAQ

SACCO system FAQs

Still wondering about something? Ask us on WhatsApp.

Can members deposit and repay loans by M-Pesa?

Yes. Members pay to your Paybill with their member number as the account, and the payment posts to their savings or loan automatically. Loans can also be sent to members’ phones through M-Pesa B2C, subject to Safaricom approval.

Can it follow our own loan rules?

Yes. Loan products are set up with your limits, interest method, repayment period, guarantor rules and penalties, and any change goes through an approval.

Does it work for a small chama?

Yes. Chamas use the same core of contributions, loans, fines and statements, without the branch and regulatory features a large SACCO needs.

Can it help with SASRA reporting?

It keeps the loan book, deposits and arrears records that those returns draw on, and exports them for your accountant. Specific report formats are added as part of your project.

Can we import our old records?

Yes. We import member balances, shares and running loans from your spreadsheets or old system, and reconcile them with your treasurer before going live.

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Let’s talk about your SACCO system

Tell us about your business in a few lines, a short video or a WhatsApp message. You’ll get ideas and a fixed quote, with no obligation.

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