UMRA compliance software
How the SenteRail Ledger produces UMRA-formatted quarterly returns directly from a SACCO’s own books — no separate reporting spreadsheet.
What "UMRA compliance software" means
SACCOs and Tier 4 institutions licensed by UMRA file quarterly returns in UMRA's prescribed format, alongside governance and member-protection attestations. "UMRA compliance software" is what a SACCO's board reaches for when quarter-end reporting is a manual reconciliation exercise instead of something the core system already produces.
What the SenteRail Ledger does
The SenteRail Ledger renders UMRA-formatted quarterly return templates directly from the ledger, with drill-down from every reported figure to the underlying postings — savings, shares, and loan balances stay reconciled to what's actually on the books, because the report is generated from the same ledger a SACCO's members transact against, not compiled separately in a spreadsheet.
SenteRail does not substitute for a SACCO's own UMRA registration or licensing — the SACCO remains the registered Tier 4 entity, responsible for its own filing. SenteRail is a technology provider, not a lender, bank, or licensed financial institution.
Who this is for
A SACCO that already holds (or is applying for) a UMRA licence and wants its quarterly returns to come from the same system its members use day to day — savings, shares, loans, and statements in one ledger — rather than reconciling a separate reporting spreadsheet against the core system every quarter.
Members, savings, shares, loans, and UMRA-formatted returns — in one ledger.