The problems SACCOs face — and how our software solves them
Most Ugandan SACCOs still keep member records on paper, calculate loan interest by hand, and produce annual accounts under panic pressure. This leads to loan losses, disputes at AGM, and slow member service. Our software captures every member, every deposit, every loan, and every share automatically — so books balance daily, not once a year.
What the system covers
Everything a SACCO or microfinance institution needs, sized to fit smaller cooperatives without the enterprise price tag.
- Member registration with KYC, next-of-kin, and photos
- Share capital and shareholding tracking
- Savings accounts (compulsory, voluntary, target)
- Loans: application, appraisal, approval, disbursement, repayment schedule
- Automatic interest calculation (reducing balance or flat)
- Standing orders and salary check-off
- MTN & Airtel Money integration for deposits and repayments
- SMS notifications to members on every transaction
- Loan aging, PAR, and portfolio reports
- Trial balance, income statement, and balance sheet
- UCA / URSB / BoU compatible reports
Mobile Money for members who are never in the office
Members can deposit savings and repay loans by MTN Mobile Money or Airtel Money directly from their phones, with an instant SMS receipt. This dramatically reduces cash handling risk and grows portfolios in rural branches.
Board-ready reports at any time
Chairmen and boards no longer wait for month-end to see performance. The dashboard shows total deposits, total loan portfolio, PAR>30, arrears list, and daily cash position. AGM preparation moves from weeks of scrambling to one afternoon.
For SACCOs of every size
From savings groups with 40 members to cooperative SACCOs with over 10,000 members and multiple branches. Multi-branch consolidation and role-based permissions are built in.
Setup, training, migration
We migrate your existing member and loan books from Excel or paper, train your staff, and support you through the first month-end and the first AGM after go-live. Data is safely backed up daily and never lost.
Pricing (UGX)
Starting prices — you get a written quote before any work starts.
Small SACCO / VSLA (up to 500 members)
3,500,000
- Members, savings, loans
- Basic reports
- Migration + training
Standard SACCO (up to 3,000 members)
7,500,000
- All modules + MoMo
- Multi-branch
- Board dashboards
- Full training
Large SACCO / MFI
15,000,000+
- Unlimited members
- Custom loan products
- BoU/URSB integration
- Priority SLA
Frequently Asked Questions
- Do you migrate our existing records?
- Yes. Member records, share capital, savings balances, and open loans are migrated from Excel or paper as part of setup.
- Can members repay loans by Mobile Money?
- Yes. MTN and Airtel Money integration is standard — repayments post automatically with SMS receipts.
- What about interest calculation?
- The system supports both reducing-balance and flat-rate interest with fully configurable loan products.
- Are the reports acceptable to UCA / URSB / BoU?
- Yes. Trial balance, income statement, balance sheet, PAR, and returns align with regulator formats and can be exported for submission.
- What happens if the internet is down?
- Cashiers can continue in offline mode and transactions sync automatically when connectivity returns.
- Is the data safe?
- Encrypted cloud storage with daily backups. Role-based access ensures tellers, managers, and board members only see what they should.