Guides for SACCOs and savings groups.
Practical reading for SACCO boards, chama treasurers and the people keeping group records clear. Understand the options, plan your operations and prepare for oversight.
Start with the essentials
What is a SACCO management system?
The essential modules, the alternatives and twelve questions to ask a software vendor.
Read the guideChoosing your setup
Understand the software and structures behind your group.
Records & contributions
Plan the everyday work of collecting money and keeping records.
- Kenya
Moving a Kenyan chama off Excel
A practical checklist for moving member and contribution records into a shared ledger.
- Kenya
Automated chama contributions on M-Pesa
Understand STK Push, Paybill collections and how payments connect to your group’s books.
- Kenya
Automating corporate SACCO check-off
Plan the flow from employer payroll deductions to clear, reconciled member records.
Governance & oversight
Explore data responsibilities and the records boards need.
Put your reading to work.
Use a free calculator, explore group structures or go deeper into the source material.
- Free calculators
Work through repayments, contributions and member shares.
- SACCOs, chamas and investment clubs
Explore how different groups save and invest together.
- Deposit-taking vs non-deposit-taking SACCOs
Read the Kenya classification explainer and its sources.
- SASRA IT audit requirements
Explore vendor security and audit expectations.
- SenteRail Research
Cited working papers on community finance and shared infrastructure.