Sacco Management Software — Kenya
Saccosoft: The Complete Sacco Management System
Run your entire Sacco from one platform. Members apply for loans online, repay via M-Pesa, and field agents collect savings through BOFA — all in real time, all compliant with SASRA regulations.
Online Loan Applications
M-Pesa Loan Repayments
BOFA (Banking on the Field)
Member Self-Service Portal
SASRA Compliant
Dividends & Shares
SASRA Compliant
M-Pesa Integration
BOFA Mobile Banking
Online Loan Portal
Real-Time Reports
Cloud & On-Premise
System Modules
Every Sacco Operation Covered
Saccosoft brings together every function your Sacco needs — under one roof, on one dashboard, accessible from anywhere.
Member Registration & KYC
Onboard members digitally with ID verification, photo capture, next-of-kin details, and KYC compliance documents.
Member Self-Service Portal
Members log in online to check their account balance, apply for loans, download statements, and update their details — without visiting the office.
Member Account History
Full ledger of deposits, withdrawals, loan disbursements, repayments, dividends, and charges — all timestamped and auditable.
Bulk SMS & Email Alerts
Send automatic notifications for loan approvals, payment due dates, dividend declarations, and account updates.
Group & Chapter Management
Organise members into groups, chapters, or branches. Track group savings and assign group leaders with delegated permissions.
Member Statements On-Demand
Generate and email printable statements instantly. Members can also download their own statements from the self-service portal.
Online Loan Applications
Members apply for any loan product from their phone or computer. The system validates eligibility, checks guarantors, and routes to the credit committee automatically.
Automated Loan Appraisal
Saccosoft checks the member's savings ratio, existing loan balance, and guarantor availability instantly — no manual calculations needed.
Guarantor Management
Automatically notifies guarantors by SMS when they are selected. Guarantors approve or decline via a secure link — no paperwork.
M-Pesa Loan Disbursement
Once approved, the loan is disbursed directly to the member's M-Pesa number with one click — no trips to the bank, no cheques.
Loan Repayment Schedules
Generates full amortisation schedules including principal, interest, and penalties. Members can view their repayment schedule from the portal.
Defaulter & Penalty Management
Flags overdue accounts automatically, applies penalty charges per your policy, and generates a defaulters report for the credit committee.
Share Capital Management
Track individual share purchases, transfers, and withdrawals. Calculates share-to-loan ratio automatically to determine loan limits.
Multiple Savings Products
Create unlimited deposit accounts — regular savings, fixed deposits, holiday accounts, school fees, emergency fund — each with their own interest rates.
Interest Calculation
Automatic interest accrual on all savings products based on your configured rates. Runs daily and posts to member accounts.
Dividend Declaration & Posting
Declare dividends and bonus interest at year-end. The system calculates each member's entitlement and posts to accounts — or pays out via M-Pesa.
Withdrawal Processing
Members request withdrawals from the portal. The system checks minimum balance rules and routes for approval. Paid via M-Pesa or bank transfer.
Savings Summary Reports
Monthly and annual savings reports per member, per product, and per branch — ready for your board meetings and SASRA submissions.
M-Pesa Integration
Members Pay Loans Directly via M-Pesa
No queues. No tellers. Members send their loan repayments or deposit savings straight from their phones — the system reconciles the payment automatically and updates their account in seconds.
Paybill integration
Members pay to your Sacco's M-Pesa Paybill number. Account number is the member ID — fully automated.
STK Push (Lipa na M-Pesa)
For scheduled repayments, the system sends a push prompt to the member's phone at the due date.
Loan disbursement via M-Pesa
Approved loans are sent directly to the member's M-Pesa — no manual bank transfers needed.
Dividend payouts via M-Pesa
Declare and pay dividends in bulk to all members' M-Pesa numbers with a single click.
Automatic reconciliation
Every M-Pesa transaction is matched to the correct member account — zero manual data entry.
M-Pesa Integration
Active & Reconciled
Payment Channels Supported
M-Pesa Paybill (Automated)
M-Pesa STK Push (Scheduled)
Loan Disbursement to M-Pesa
Dividend Payout to M-Pesa
Bank Transfer (EFT/RTGS)
Cash at Branch (Teller)
SASRA Regulatory Reports
Auto-generate all mandatory SASRA returns — SASRA 1, SASRA 2, liquidity ratios, portfolio at risk (PAR), and capital adequacy reports.
Trial Balance & Ledgers
Full double-entry accounting integrated. Generate trial balance, income statement, and balance sheet at any time.
Portfolio at Risk (PAR) Reports
Real-time PAR calculations for PAR 30, 60, and 90 days. Essential for board meetings and SASRA submissions.
Audit Trail & Logs
Every transaction, login, and approval is logged with timestamp and user ID. Immutable audit trail for internal and external auditors.
Board Meeting Reports
One-click generation of all board-ready reports — membership growth, loan portfolio, income summary, and comparative statements.
KRA & Tax Reports
Generate withholding tax certificates, interest statements, and KRA-compliant reports for members and the Sacco.
Online Loan Applications
A Member Applies for a Loan — From Their Phone
No forms, no queues, no waiting for office hours. The entire loan process — from application to disbursement — happens digitally.
1
Member Applies Online
Logs into the self-service portal, selects a loan product, enters the amount, and picks guarantors from their contacts.
2
Auto Eligibility Check
Saccosoft instantly checks savings ratio, active loans, and guarantor availability against your credit policy.
3
Guarantors Notified
Selected guarantors get an SMS with a secure approval link. They approve or decline from their phone in minutes.
4
Credit Committee Review
The loan application appears on the officer's dashboard with all checks complete. Approve with one click.
5
Disbursed to M-Pesa
The approved amount is sent directly to the member's M-Pesa number. Member gets an SMS confirmation instantly.
Who Uses Saccosoft
Built for Every Type of Sacco in Kenya
From small workplace Saccos to county-wide deposit-taking Saccos with thousands of members.
Deposit-Taking Saccos (DTS)
SASR-licensed Saccos with full banking features, BOFA agents, and online member portals.
Employer-Based Saccos
Linked to payroll deductions for savings and loan repayments. Integrates with HR/payroll systems.
Investment Saccos
Share-based investment clubs with dividend management, share registry, and member voting.
Community Saccos
Neighbourhood and church-based Saccos with group savings, chama management, and mobile money.
200+
Saccos using Saccosoft
500,000+
Members managed
KES 2B+
Loans processed monthly
99.9%
System availability
Get a Custom Quote
Request a Free Demo & Pricing
Every Sacco is different. Fill in the form and our team will prepare a pricing proposal specific to your member count, modules required, and hosting preference — usually within 4 hours.
Free live demo on Zoom or in person (Nairobi)
Custom pricing based on member count & modules
Data migration from your current system included
Cloud or on-premise deployment — your choice
Free staff training for your operations team
Prefer to talk directly?
Request Saccosoft Pricing & Demo
We respond within 4 working hours. All enquiries are confidential.
FAQ
Common Questions About Saccosoft
Yes. Saccosoft is built to generate all mandatory SASRA regulatory returns including SASRA 1 & 2, PAR reports, liquidity ratios, and capital adequacy statements. Our compliance module is updated whenever SASRA changes its requirements.
Members send their repayments to your Sacco's M-Pesa Paybill number. They use their member ID as the account number. Saccosoft automatically matches the payment to the correct member and loan account — no manual reconciliation needed.
BOFA (Banking on the Field Agent) is a mobile app for agents who visit members to collect savings and repayments in person. It's ideal for Saccos with rural members or those who operate outside regular banking hours. BOFA is an optional add-on module.
Yes. The member self-service portal is available 24/7. Members can apply at any time. The application is queued and processed by your credit team during working hours — or automatically if you configure auto-approval rules.
Yes. Saccosoft can be deployed on your own servers (on-premise), on a private cloud, or we can host it on our managed servers in our Kenyan data centre. Most Saccos prefer our managed hosting for reliability and automatic backups.
A standard Sacco with up to 5,000 members typically goes live in 4–8 weeks. This includes data migration from your existing system, configuration, staff training, and a parallel-run period. Larger Saccos may require more time.
Yes. We migrate member data, loan records, savings balances, share capital, and historical transactions from your current system. Data from Excel, Access, or most Sacco software packages can be imported.
Saccosoft pricing is based on your total active member count, not per user/seat. This means your entire staff team can use the system without extra cost. Contact us for a customised quote based on your member numbers.
Ready to Modernise Your Sacco?
Book a free demo and get custom pricing — no obligation, no hidden fees. We come to you.
SASRA Compliant • M-Pesa Integration • BOFA Mobile Banking • Online Loan Portal • Free Demo
Built for Kenyan Sacco compliance & operations
