One ledger. Three applications. Nothing to reconcile.
A member on a phone, a credit officer in a browser, and a platform administrator watching the whole network all read from the same source of truth. Here's what's actually running underneath that promise.
A member's whole cooperative life, in one app
Every SACCO a member belongs to, in one portfolio — not a login per institution.
- Unified savings, loan and dividend view across every SACCO
- M-Pesa STK Push deposits with instant ledger posting
- Internal transfers between BOSA, FOSA, loan repayment and share capital
- Paybill deposits without opening the app, for feature-phone reach
- Biometric / PIN login, downloadable PDF statements
- Digital guarantor requests, consent, and reconsent on restructures
Lending decisions explained, not just issued
A what-if calculator before a member ever applies, a plain-language appraisal summary after, and a cost-of-credit disclosure before disbursement — not a black-box approval.
- Live Metropol CRB scoring with cached-vs-fresh checks
- What-if eligibility calculator, no application created
- Effective-annual-rate cost-of-credit disclosure before disbursement
- Guarantor capacity enforced across every SACCO a member guarantees in
- Restructure, reschedule, top-up, buy-off and penalty-waiver workflows
- SASRA 5-band classification & provisioning, computed, not spreadsheet-tracked
A real collections desk, not an arrears report
Overdue loans sorted worst-first, a contact log that can't be edited after the fact, and portfolio-at-risk reporting that updates as the queue is worked, not at month-end.
- Worst-first overdue queue with per-member contact history
- Promise-to-pay tracking, resolved automatically by a nightly sweep
- Portfolio-at-risk reporting by days-past-due band
- Guarantor recovery, always routed through maker-checker approval
- Configurable reminder cadence, quiet hours, and daily caps per SACCO
- A holiday-mode switch that tightens withdrawal limits sector-wide
Governance enforced by the system, not the policy folder
The officer who approves a loan cannot be the one who disburses it — not because the handbook says so, but because the software won't let them.
- Step-up MFA and maker-checker on every money-moving action
- Membership application and KYC review queue
- Dividend declaration with four-eyes approval control
- Bulk SMS, member import, and a full approvals audit trail
- Auto-generated SASRA Forms 1, 2 and 3
- Role-based access, down to a dedicated collections-officer role
The parts of membership nobody builds for
A member leaving, naming a nominee, or passing away isn't an edge case in a SACCO's real operations — it has its own notice period, settlement logic, and document-verified claims process here.
- Exit notice periods with automatic loan-offset against deposits
- Share-capital transfer to another member on exit
- A standing nominee registry with guardian fields for minors
- Deceased-member claims: document checklist, verification, settlement
- Every balance change on exit still posts through the same ledger
Payroll check-off, handled end to end
Deposits, shares and loan instalments deducted at source by an employer, matched against what was actually remitted — with a real variance queue for what doesn't match.
- Employer and payroll-mandate management per member
- Monthly deduction schedule generation, locking, and export
- Remittance file import with automatic line-level matching
- A variance queue for under/over-deductions and payroll mismatches
- Remittance-timeliness and arrears-ageing dashboards per employer
Infrastructure, briefly
One audited entrypoint for every balance change — nothing is ever edited directly.
Every query filters by SACCO. No shared state, no cross-tenant reads.
Payments, notifications, and reports run on isolated queues with idempotent retries.
M-Pesa Daraja, Metropol CRB, Africa’s Talking SMS, Firebase push — built in, not bolted on.
Every sensitive change is hashed to the one before it.
See it running against your own SACCO’s data
A demo isn't a slide deck here — we'll walk through your member count, loan book and current pain points on the call.