The Complete SACCO Management Platform
Built for cooperatives in Kenya. Every module — members, loans, savings, fees, accounting, and fintech — in one integrated system.
From Setup to Go-Live in 5 Steps
The platform is designed for fast, structured onboarding. Each step builds on the last so no configuration is missed.
SACCO Configuration
Set up your SACCO profile — name, logo, fiscal year, and core settings. Configure fee types, savings products, and loan products with their rules.
- Upload SACCO logo & branding
- Define savings account types (Deposits, Share Capital, Holiday, Emergency)
- Create fee types (Registration, Annual, etc.)
- Configure loan products with rates and tenors
Payment Accounts Setup
Link your real-world payment channels to the system. Each channel maps to a General Ledger account for automatic double-entry posting.
- Add M-Pesa Paybill / Till accounts
- Link bank accounts
- Set default payment method
- Connect Daraja API credentials
Chart of Accounts
Build or import your GL chart of accounts. The system organises them into Assets, Liabilities, Income, and Expense classifications.
- Create GL accounts per category
- Map accounts to modules (Loans, Savings, Fees)
- Set opening balances via journal batches
- Assign control accounts to payment channels
Member Onboarding
Register members individually or in bulk via CSV upload. Each member receives a unique member number and portal activation email.
- Single or bulk CSV member creation
- Automatic savings & fee account generation
- Email invitation with temporary credentials
- Member portal self-activation flow
Go Live
Start processing transactions. The admin portal handles payments, disbursements, and reporting while members self-serve through the member portal.
- Process bulk savings & fee payments via CSV
- Receive M-Pesa deposits in real-time
- Approve and disburse loans
- Generate financial statements
10 Modules. One Integrated System.
Every module is tightly connected — a loan disbursement auto-posts to the GL, an M-Pesa payment auto-updates balances, and a fee payment triggers an email. Nothing is siloed.
Member Management
- Unique auto-generated member numbers
- Role-based access (Member, Admin, Superuser)
- Next of Kin (NOK) profile management
- Member approval workflow by admin
- Bulk CSV member creation & upload
- Admin-initiated password reset
- Account activation via email link
- Member photo / avatar upload
- Active members CSV export for audits
- Custom attributes per member
Savings & Accounts
- Multiple savings account types per member
- Share Capital, Deposits, Holiday, Emergency pots
- Real-time balance tracking
- M-Pesa STK Push deposits (Daraja API)
- Bulk savings deposit via CSV template
- Pre-filled template with last-day-of-month date
- Current Balance shown in CSV template
- Transaction history per account
- Savings statement export
- Minimum balance enforcement rules
Fee Payments
- Multiple fee types (Registration, Annual, etc.)
- Per-member fee accounts with limits
- Outstanding Balance shown in CSV template
- Bulk fee payment via CSV upload
- Pre-filled Transaction Date in template
- Per-row Payment Method support in CSV
- Selective template by fee type
- Cleared account detection (can't exceed limit)
- Fee payment confirmation emails
- GL auto-posting on payment
Loan Management
- Loan application submission by members
- Eligibility auto-computed from savings multiples
- Guarantor request & acceptance workflow
- Admin loan appraisal and approval
- Diminishing Balance & Flat Rate engines
- Loan disbursement (bulk CSV or individual)
- M-Pesa B2C disbursement to phone
- Repayment schedule generation
- Loan penalty tracking
- Loan account statement per member
M-Pesa / Fintech
- Daraja API (Safaricom) full integration
- STK Push initiation for savings deposits
- B2C disbursement for loan payout
- Real-time callback processing
- Transaction reconciliation
- M-Pesa receipt number capture
- Phone number validation
- Automatic GL entry on M-Pesa confirm
- Failed transaction logging & retry
- Multi-paybill / till support
Accounting & GL
- Full double-entry General Ledger
- Chart of Accounts (Assets, Liabilities, Income, Expense)
- Automatic journal entries per transaction
- Manual journal batches for adjustments
- Trial Balance report
- Balance Sheet generation
- Profit & Loss statement
- Cash Book report
- Year-based financial filtering
- Journal batch posting with Transaction Date
Reporting & Analytics
- SACCO annual summary dashboard
- Total savings, loans, fees overview cards
- New member count per year
- Year selector for all summary data
- Debtors aging list
- Downloadable PDF annual summary
- Member financial summary (per year)
- Transaction reports per module
- Audit logs for admin actions
- Responsive 2-column card layout
Admin Portal
- Full member directory with search & filter
- Member detail view with financial summary
- Bulk CSV upload for all modules
- Selective template download (by type & date)
- Popover action menus on member list
- Active members CSV export
- Fee & savings payment dialogs
- Single-account auto-selection in forms
- Yearly filtering in member summary
- Role-protected routes & actions
Member Portal
- Self-service savings deposit (M-Pesa)
- Loan application submission
- Loan eligibility calculator
- Guarantor request acceptance
- Account statement views
- Next of Kin management
- Profile & password management
- Transaction history per module
- Notification emails on key events
- Mobile-responsive interface
Security & Infrastructure
- JWT token-based authentication
- Role-based access control (RBAC)
- Superuser & staff excluded from member tables
- 256-bit SSL encryption
- Cloudinary media storage
- Background task processing
- Email notifications via async task queue
- Per-request audit trail logging
- 99.9% uptime SLA
- Multi-SACCO white-label architecture
Process Hundreds of Payments in One Upload
Every month, SACCOs collect contributions from dozens or hundreds of members. Our intelligent CSV system handles bulk savings deposits, fee payments, and loan disbursements — all with pre-filled, smart templates.
- Download pre-filled CSV template (with outstanding balances)
- Select transaction date or end-of-month auto-fill
- Filter template by fee type or savings type
- Specify payment method per row in the CSV
- Upload CSV — GL entries post automatically
- Members receive confirmation emails (async)
| Member Name | Fee Type | Acc. No. | Balance | Amount | Pay Method | Date |
|---|---|---|---|---|---|---|
| Jane Doe | Annual Fee | FA-001 | 2,000 | — | — | 2026-07-31 |
| John Mwangi | Annual Fee | FA-002 | 2,000 | — | — | 2026-07-31 |
| Alice Wanjiru | Annual Fee | FA-003 | 1,500 | — | — | 2026-07-31 |
Every Transaction Posts to the GL
No manual bookkeeping. Every savings deposit, loan disbursement, fee payment, and M-Pesa transaction is automatically journalised in the General Ledger using double-entry accounting.
Ready to Modernise Your SACCO?
Get in touch with the Wananchi Mali team. We set up, configure, and train your team — so you can focus on your members.
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