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🏆Trusted by 50+ Saccos Across Kenya

The Complete Sacco Management System for Kenya

SaccoWorks is a cloud-based, multi-tenant SaaS platform that helps Saccos and Micro-Finance institutions in Kenya automate operations, manage loans, integrate M-Pesa, and stay SASRA compliant, all from one powerful dashboard.

Flexible Setup Plans

Free Training

Priority Support

Active Members

1.2K+

New Loan Request

KES 250,000

50+

Happy Saccos

10k+

Members Managed

KES500M+

Loans Processed

1 hr

Priority Response

Powerful Features

Everything you need to run a Modern Sacco

Our all-in-one platform simplifies complex operations, allowing you to focus on member growth and financial stability.

Membership Management

Comprehensive member profiles with digital registration, KYC documentation, and hierarchy management.

Contribution Tracking

Automated tracking of shares, deposits, and welfare contributions with real-time balancing.

Loan Processing

End-to-end loan lifecycle management from application, appraisal, to disbursement and recovery.

Mobile Banking

Seamless M-Pesa integration for automated payments, withdrawals, and balance inquiries.

Financial Accounting

Full double-entry accounting system with automated ledgers, trial balance, and financial statements.

SASRA Compliance

Pre-configured reports and controls that support your Sacco's SASRA compliance and regulatory reporting.

System Modules

Comprehensive Solutions for Every Sacco Need

SaccoWorks is modular. You can start with what you need and scale as your institution grows.

Shares & Deposits

Manage member shares, savings, and deposits with ease. Features include automated interest calculation and real-time statements.

Loan Management

Appraise, process, and track loans from application to full recovery. Integrated with CRB checking and automated penalty calculations.

General Ledger

A robust accounting module that automates journal entries, trial balances, and prepares your financial statements automatically.

Investment Portfolio

Track Sacco investments in real estate, money markets, and other assets. Monitor returns and maturity dates in one place.

Fixed Deposits

Flexible fixed deposit schemes with customizable interest rates, terms, and automated maturity notifications.

M-Pesa Integration

Full STK Push and C2B integration. Members can deposit, withdraw, and pay loans directly using their mobile phones.

Implementation Process

How To Get Started

We've refined our implementation process into 4 simple steps to get your Sacco digital in no time.

Digital Onboarding

Quickly set up your Sacco structure, products, and policies in our secure cloud environment.

Seamless Migration

Our dedicated team helps you migrate your existing data from legacy systems or spreadsheets without any loss.

Staff Training

We provide comprehensive training to your staff and officials to ensure they are proficient with the platform.

Go Live & Scale

Launch your digital Sacco and start enjoying automated reconciliations, mobile banking, and real-time reports.

Customer Results

Real Saccos running on SaccoWorks

Verified deployments across transport, BOSA, FOSA and multi-branch Saccos in Kenya.

BOSA & FOSA Sacco

How Magaribi Premier Sacco streamlined SASRA reporting, cash reconciliation and member onboarding with SaccoWorks.

Zero SASRA compliance penalties

Magaribi Premier Sacco

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Transport Sacco

How North Express Sacco digitized daily member contributions and driver M-Pesa reconciliation with SaccoWorks.

85% reduction in member onboarding time

North Express Sacco

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Transport Sacco

How Royal Rift Sacco eliminated fare leakages and automated booking, fare reconciliation and financial reporting.

100% automated booking & fare reconciliation

Royal Rift Sacco

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Transport Sacco

How Kasamuthi Sacco delivered instant emergency vehicle-repair loan appraisals and transparent guarantor balances.

Instant emergency loan appraisals

Kasamuthi Sacco

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Multi-Branch Sacco

How Premium Sacco gained complete, real-time financial visibility across three regional branches with SaccoWorks.

Complete financial visibility across branches

Premium Sacco

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Support Center

Frequently Asked Questions

Find answers to common questions about SaccoWorks implementation, security, and features. Still have questions? Feel free to contact our expert team.

Contact Technical Support

Absolutely. We use bank-grade encryption (SSL/TLS) for data in transit and AES-256 encryption for data at rest. Our servers are hosted on enterprise infrastructure with 99.9% uptime and automatic daily backups.

Yes! SaccoWorks has a robust Bridge Banking module that supports M-Pesa C2B (Paybill/Till) and B2C (Withdrawals/Disbursements). Transactions are reconciled automatically in real-time.

A standard implementation takes between 2 to 4 weeks depending on the volume of data to be migrated and the complexity of your Sacco products. This includes setup, migration, and staff training.

Yes, SaccoWorks is designed with SASRA regulations in mind. It generates key SASRA and management reports — including capital adequacy, liquidity and loan classification — subject to your Sacco category and agreed scope.

We provide comprehensive onsite and online training for all staff and officials. After launch, you get priority technical support via phone, email and WhatsApp during business hours, with emergency incident assistance, along with regular system updates.

Ready to Digitalize Your Sacco?

Join over 50+ Saccos in Kenya that trust SaccoWorks for their daily operations. Schedule a free personalized demo today.

Free 30-Day Trial

Priority Support & Escalation

SASRA Compliant