All SaccoWorks Modules
Everything your Sacco needs to operate efficiently, stay compliant, and delight members, all in one cloud platform.
What is a Sacco Management System?
A Sacco Management System is a specialized financial software platform designed for Kenyan Cooperatives (Saccos) and Microfinance institutions to automate member registration, deposit tracking, and loan processing. Modern systems like SaccoWorks provide cloud-native features including SASRA-compliant reporting, M-Pesa integration, and secure member self-service portals to improve operational transparency and efficiency in Kenya's cooperative sector.
Member Management
A complete member lifecycle system, from registration to exit, with self-service capabilities.
- KYC verification & compliance
- Next-of-kin management
- Group & category classification
- Document upload & storage
- Self-service member portal
- Exit & withdrawal processing
- Dormant account management
| Name | ID NO | Status |
|---|---|---|
| Jane Wanjiku | 32456789 | Active |
| Peter Omondi | 28990112 | Active |
| Grace Muthoni | 35443221 | Pending |
| Samuel Kiprop | 21223344 | Active |
| Member | Product | Amount | Status |
|---|---|---|---|
| Jane W. | Development | 450,000 | Active |
| Peter O. | Emergency | 50,000 | Active |
| Grace M. | School Fees | 120,000 | Arrears |
| Samuel K. | Normal | 300,000 | Active |
Loan Management
End-to-end loan processing from application to full repayment with automated workflows.
- Multiple loan products configuration
- Online loan application
- Guarantor management
- Multi-level approval workflows
- M-Pesa disbursement
- Automated repayment schedules
- Arrears tracking & notifications
Savings & Deposits
Manage FOSA & BOSA accounts, fixed deposits, and all member savings with automated interest calculation.
- FOSA & BOSA account management
- Multiple savings products
- Fixed deposit accounts
- Automated interest calculation
- Standing orders & scheduled transfers
- Monthly statement generation
| Account | Owner | Balance |
|---|---|---|
| FOSA-0012 | Jane W. | 125,400 |
| BOSA-1002 | Peter O. | 80,000 |
| FIXD-0045 | Grace M. | 500,000 |
| BOSA-2122 | Samuel K. | 230,000 |
| TX Code | Member | Amount | Status |
|---|---|---|---|
| SLK4H7R9T2 | Jane W. | 15,000 | Matched |
| SLK4H7R8K1 | Peter O. | 5,000 | Matched |
| SLK4H7R7J3 | Grace M. | 30,000 | Pending |
| SLK4H7R6M5 | Samuel K. | 10,000 | Matched |
M-Pesa Integration
Seamless Safaricom M-Pesa integration for collections, disbursements, and real-time reconciliation.
- C2B collection (Paybill/Till)
- B2C disbursement
- Automatic reconciliation
- STK Push for instant payments
- Reversal management
- Statement integration & matching
Full Accounting
IFRS-compliant double-entry General Ledger with automated postings and comprehensive financial reports.
- Double-entry General Ledger
- Flexible chart of accounts
- Trial Balance, P&L & Balance Sheet
- Budget management & tracking
- Fixed asset register
- Bank reconciliation
| Account | Debit | Credit |
|---|---|---|
| Cash & Bank | 12,400,000 | |
| Loan Portfolio | 92,700,000 | |
| Member Deposits | 48,200,000 | |
| Share Capital | 12,100,000 |
SASRA Compliance
Automated regulatory reporting and compliance monitoring to keep your Sacco in good standing with SASRA.
- PEARLS ratios auto-calculation
- Monthly & quarterly returns
- Regulatory financial statements
- Loan classification & provisioning
- Risk assessment reports
- Annual returns generation
And Even More Modules
Additional capabilities to supercharge your Sacco operations.
Bulk SMS
Send loan reminders, meeting notices, and personalised messages to members via SMS.
KPI Dashboards
Real-time dashboards with key performance indicators for management decision-making.
Multi-Branch
Manage multiple branches with consolidated reporting and branch-level controls.
Guarantor & Collateral
Track loan guarantors, collateral valuation, and lien management in one place.
Cash Management
Teller management, cash-in-transit, vault management, and daily cash reconciliation.
Check-Off System
Automated employer check-off deductions, remittance tracking, and reconciliation.
Ready to Transform Your Sacco?
Join 20+ Saccos already using SaccoWorks to serve 50,000+ members.