The Smartest Sacco Management System in Kenya

SaccoWorks by eLivecode Solutions is Kenya’s leading cloud-based Sacco management system. It offers comprehensive modules for FOSA, BOSA, loan management, M-Pesa integration, member portal, and full SASRA compliance — all in a multi-tenant SaaS platform starting from affordable monthly plans.

SaccoWorks offers flexible SaaS pricing starting from KES 15,000 per month for small Saccos. Pricing scales based on the number of members and modules needed. There are no upfront hardware costs — everything runs in the cloud. Contact us at +254 723 759494 for a custom quote.

Yes! SaccoWorks has seamless M-Pesa integration via Safaricom’s Daraja API. Members can deposit savings, repay loans, and receive disbursements directly through M-Pesa. The system supports B2C and C2B transactions with automatic reconciliation.

Absolutely. SaccoWorks is fully compliant with SASRA (Sacco Societies Regulatory Authority) requirements. The system generates all required regulatory reports, maintains proper audit trails, and ensures your Sacco meets all compliance standards.

Yes! SaccoWorks is built with multi-tenant architecture, meaning multiple Saccos can operate on the same platform with completely isolated data. This makes it ideal for Sacco unions, financial service providers, and organizations managing multiple cooperatives.

Most Saccos go live within 1–2 weeks. This includes system configuration, data migration from your existing system (Excel, manual records, or another software), staff training, and testing. Larger Saccos with complex requirements may take 3–4 weeks.

Yes, all SaccoWorks plans include free initial training for your staff. We provide ongoing phone, WhatsApp, and remote support during business hours. Enterprise clients get a dedicated account manager and 24/7 priority support.

FOSA (Front Office Service Activity) refers to banking-like services such as salary processing, current accounts, fixed deposits, and ATM services. BOSA (Back Office Service Activity) covers the core Sacco functions — share capital, member deposits, and loans. SaccoWorks fully supports both FOSA and BOSA operations from a single integrated platform.

Absolutely. SaccoWorks includes free data migration as part of every onboarding package. Whether your data is in Excel spreadsheets, a legacy Sacco system, or paper records, our technical team handles the migration with zero data loss. Most migrations are completed within 3–5 business days.

Yes. SaccoWorks is designed for all types of Kenyan cooperative societies — employee Saccos, investment cooperatives, farmers’ cooperatives, and welfare groups. The system is flexible enough to be configured for any cooperative model registered under the Co-operative Societies Act in Kenya.

SaccoWorks includes a responsive member self-service portal accessible from any smartphone browser — no app installation needed. Members can check balances, view loan schedules, apply for loans, download statements, and receive transaction alerts via SMS. A dedicated mobile app is available for Enterprise plan clients.