Corporate and employer-based SACCO software

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

Bring member records, savings, loans and reporting into one workspace. Discuss your payroll file format and reconciliation needs with our team.

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.

Review your payroll deduction file against the member register and follow up on unmatched records. We confirm the supported file format and posting workflow during your assessment.

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

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.

Use ledger records, audit history and exports to support board reporting and audit preparation. Your SACCO reviews its figures and prepares its own regulatory submissions.

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

Access that fits your team’s responsibilities.

Assign staff access by role and review approvals and postings through the audit history. Discuss data-handling requirements with our team during your assessment.

Institution records
Your staff work with your institution’s member records through their assigned access.
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.
Reviewable records
Use audit history and exports to support your team’s checks and reporting.

Questions boards and HR teams ask

Practical answers before you get started.

Can we use files from our payroll system?

Share your payroll deduction file format during the assessment. Our team will confirm the supported import and reconciliation workflow for your SACCO.

Can it prepare our regulatory submissions?

Ledger records and exports support your reporting work. Your SACCO reviews the figures, prepares the required returns and submits them.

How do we review member-data arrangements?

We review access, hosting, retention and contractual requirements with your team during the assessment.

How do members access their records?

Members join by invitation from the SACCO. The Android Member App gives them access to their own balances, loans and statements.

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.