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Corporate and employer-based SACCO software

SACCO software for employer-based, corporate and parastatal SACCOs.

Payroll check-off files that reconcile, BOSA and FOSA products on one ledger, reporting evidence in the shape SASRA asks for, and member data governed under the Kenya Data Protection Act. Written for treasurers, HR directors and compliance officers.

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Loan-product setup in the SACCO Back Office with lending terms and a member preview.
Kenya Member App demo loans with balances and repayments in KES (KSh). The SACCO remains the lender.

What a corporate SACCO needs

Check-off, products and evidence, without the spreadsheet in between.

Payroll check-off

The employer file posts to members, and the exceptions surface.

Import the deduction file your payroll system produces, validate it against the member register, post matched lines to savings, shares and loan repayments, and work the exceptions instead of the whole file. ERP systems are the source of the file; SenteRail does not claim a certified native connector for every landscape.

  • Validation against the member register before posting.
  • Exceptions queue for leavers, mismatches and short remittances.
  • Remittance matched to the employer’s payment.
The check-off automation guide
Loan-product setup in the SACCO Back Office with lending terms and a member preview.

BOSA and FOSA

Shares, savings, deposits and loans as separate products.

Configure share capital, non-withdrawable and withdrawable savings, and loan products with guarantors, limits and schedules. Whether the SACCO runs a front office changes its licence position; the ledger keeps the products apart either way.

  • Share capital, savings and deposit products with their own rules.
  • Loan appraisal, guarantors, disbursement and arrears ageing.
  • Member statements in the Member App.
BOSA vs FOSA explained
Savings-product setup with account terms and a member preview.

Reporting and audit

Returns and audits start from a ledger, not a reconstruction.

Double-entry behind every product, an audit trail with reasons on every change, and exports the board, the auditor and the regulator can read. Regulator return templates are produced from ledger evidence; SenteRail does not advertise a one-click statutory form.

  • Trial balance, income statement and balance sheet from the same ledger.
  • Role-separated access and reason-captured changes.
  • Exports for board packs, auditors and returns.
The NDT SACCO SASRA playbook
Kenya Member App demo accounts showing savings and share balances in KES (KSh).

Security and data protection

Member data under the Kenya Data Protection Act.

A SACCO is the data controller for its members; SenteRail is the processor acting on its instructions. Tenant isolation, role-based access, audit logging and documented retention are how that split is kept, and the vendor-security expectations in SASRA’s IT audit circular are the standard to ask about.

  • Tenant isolation

    Each SACCO’s records are isolated at the database policy layer, not only in the application.

  • Roles and dual control

    Tellers, loan officers, managers and auditors see and do only what their role allows; high-risk actions carry a second approval.

  • Evidence, not badges

    SenteRail does not market an “ODPC certified” or “SASRA certified” badge. The data-governance guide lists what to ask for instead.

Questions boards and HR teams ask

Short answers; the guides and compliance pages carry the sources.

Does SenteRail integrate with SAP, Oracle or Microsoft Dynamics?

Those systems produce the payroll deduction file; SenteRail imports, validates and posts it and returns the exceptions. A certified native connector for a specific ERP landscape is agreed per SACCO, not claimed on this page.

Can it produce SASRA returns?

It produces the ledger evidence returns are built from — balances, ratios, ageing and member data — and exports in the shapes a return needs. Which statutory forms apply depends on whether the SACCO is deposit-taking or an authorised non-deposit-taking SACCO; the compliance pages explain the split.

Where is member data hosted, and who is the controller?

The SACCO is the controller; SenteRail is the processor under a written agreement. Hosting, sub-processors and retention are stated in that agreement and in the data-governance guide, and Kenya data-residency questions are answered by counsel of record, not by marketing copy.

Is the Member App available to our members?

Yes. The Android Member App shows savings, shares, loans and statements in KES and takes loan requests and guarantor consent. Members join by invitation from the SACCO.

Let’s look at your check-off file.

Start an application, or send us a sample deduction file structure and we will walk through how it posts.

Applications are reviewed before activation.

Register your SACCOTalk to our team