The Smartest Sacco Management System in 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.
Why Saccos in Kenya Choose SaccoWorks
Purpose-built for Kenyan Saccos and Micro-Finance institutions. Everything you need to run, grow, and regulate your cooperative society.
100% Cloud-Based
Access your Sacco system from anywhere — office, home, or on the go. No servers to maintain. Automatic updates and backups.
Multi-Tenant Architecture
Each Sacco gets its own secure, isolated environment on a shared platform. Perfect for Sacco unions and service providers managing multiple cooperatives.
M-Pesa Integration
Seamless Safaricom Daraja API integration. Members deposit, repay loans, and receive disbursements via M-Pesa with automatic reconciliation.
SASRA Compliant
Generate all regulatory reports required by SASRA. Full audit trails, risk classification, and provisioning built right in.
Member Self-Service Portal
Members can check balances, apply for loans, view statements, and update their profiles anytime from the web or mobile app.
Bulk SMS Notifications
Automated member notifications for transactions, loan reminders, meeting alerts, and dividend announcements via bulk SMS.
All-in-One Sacco Management Modules
From member registration to financial reporting — every module your Sacco needs in one integrated platform.
Member Registration
KYC documentation, group membership, next-of-kin, beneficiaries, and photo capture.
Savings (FOSA & BOSA)
Multiple savings products, deposits, withdrawals, interest calculation, and fixed deposits.
Loan Management
Application, appraisal, guarantors, disbursement, repayment schedules, and arrears tracking.
Accounting & GL
General ledger, trial balance, income statements, balance sheets, and cash flow reports.
Check-Off Deductions
Employer check-off processing, schedule generation, and automatic loan/savings allocation.
Guarantor & Collateral
Guarantor management, collateral registration, lien tracking, and exposure analysis.
Reports & Analytics
KPI dashboards, arrears analysis, financial statements, and management reports.
Member Exit
Withdrawal processing, refund calculations, clearance workflows, and exit documentation.
Get Started in 3 Simple Steps
Go live with SaccoWorks in as little as 2 weeks
Book a Free Demo
Call us or fill the form below. We'll walk you through the system and understand your needs.
Setup & Training
We configure your Sacco, import your data, and train your staff at no extra cost.
Go Live!
Start managing your members, processing loans, and growing your Sacco with confidence.
Simple, Transparent Pricing
No hidden fees. No long-term contracts. Scale as you grow.
Starter
For small Saccos up to 500 members
- Member Management
- Savings & Deposits
- Loan Management
- Basic Reports
- SMS Notifications
- M-Pesa Integration
- Member Portal
Professional
For growing Saccos up to 5,000 members
- Everything in Starter
- M-Pesa Integration
- Member Self-Service Portal
- Check-Off Module
- Guarantor Management
- Advanced Reports
- Priority Support
Enterprise
For large Saccos & unions (unlimited members)
- Everything in Professional
- Multi-Branch Support
- Custom Integrations
- Dedicated Account Manager
- SLA Guarantee
- On-Site Training
- SASRA Report Pack
What Saccos Say About Us
Trusted by cooperatives across Kenya
"SaccoWorks transformed our operations completely. We went from manual ledgers to a fully digital system in 2 weeks. Our members love the M-Pesa integration."
"The loan management module is excellent. We process 3x more loan applications with fewer staff. The arrears tracking and guarantor module saved us millions."
"Finally a Sacco system built for Kenya. SASRA compliance reports, M-Pesa, SMS — everything works together. The support team is responsive and knowledgeable."
Trusted by Saccos & Cooperatives Across Kenya
Royal Rift Sacco
Tahidi Daima Sacco
Magaribi Premier Sacco
Mogotio Farmer Coop
Chania Prestige
North Express Ltd
Primofort Investment
Frequently Asked Questions
Everything you need to know about SaccoWorks
What is the best 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.
How much does Sacco software cost in Kenya?
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.
Does SaccoWorks integrate with M-Pesa?
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.
Is SaccoWorks SASRA compliant?
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.
Can SaccoWorks handle multiple Saccos?
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.
How long does it take to set up SaccoWorks?
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.
Do you provide training and support?
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.
Ready to Transform Your Sacco?
Join 20+ Saccos across Kenya already using SaccoWorks. Get a free, no-obligation demo and see the difference.
Request Your Free Demo
Fill this form and our team will contact you within 24 hours
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