SASRA Regulated • Non-Deposit Taking • Housing Co-ops

The Most Complete
Sacco ERP in Africa.

A single, unified platform covering every inch of your operations: From Member Onboarding to Financial Reporting, CRB Listing, and Mobile Banking.

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BOSA & FOSA
Fully Integrated
SASRA Reports
Automated
M-Pesa
C2B & B2C
Cloud Based
Access Anywhere
👥

Member Management (CRM)

The heart of the system. Capture comprehensive KYC data, manage lifecycle events, and handle group memberships seamlessly.

Paperless Onboarding

Members can join via a public web link or USSD. The system captures photos, ID scans, and signatures digitally.

Registration & KYC

  • • Capture Bio-data, Next of Kin, Beneficiaries.
  • • IPRS Integration (Validate ID numbers automatically).
  • • Assign Member Numbers (Auto-increment or Custom).
  • • Manage Joining Fees & Share Capital requirements.

Group/Chama Management

  • • Register Groups, Corporates, and Joint Accounts.
  • • Track individual members within a group.
  • • Group Loan Products & Co-guaranteeing logic.

Communication Log

  • • View history of all SMS/Emails sent to member.
  • • Log complaints and support tickets per member.

Exits & Re-admission

  • • Manage resignation notices (60 days logic).
  • • Calculate refunds (Deposits - Liabilities).
  • • Transfer Shares to other members.
💰

BOSA Operations

The core savings and lending engine. Configurable loan products, automated appraisals, and rigorous guarantor checks.

CRB Integration

Check Credit Scores (Metropol/TransUnion) instantly during appraisal. Auto-list defaulters.

Loan Management

  • Product Config: Define Interest Rates, Repayment Period, Calculation Method (Reducing/Straight Line/Amortized).
  • Appraisal: Auto-check 1/3rd rule, x3 or x4 deposits multiplier.
  • Disbursement: Pay via Cheque, EFT, or M-Pesa B2C.
  • Top-ups/Refinancing: Bridge existing loans with auto-deduction of balance and bridging fees.

Guarantor Management

  • Validation: Ensure guarantor has enough free shares.
  • Witnessing: SMS OTP validation for guarantors.
  • Asset Collateral: Register Logbooks/Title Deeds as security.
  • Substitution: Formal process to replace guarantors.

Shares & Deposits

  • Minimum Contributions: Auto-penalty for missed monthly savings.
  • Share Capital: Manage transfer of non-withdrawable capital.
  • Statements: Generate detailed BOSA statements.

Dividends & Rebates

  • Auto-Calculation: Based on pro-rata duration of deposits.
  • Withholding Tax: Auto-deduct 5% WHT for KRA.
  • Capitalization: Allow members to capitalize dividends to shares.
🏦

FOSA Banking

Turn your Sacco into a fully functional bank. Manage liquidity, teller operations, and transactional accounts with Maker-Checker security.

Treasury Management

Track strong room cash, teller floats, and inter-teller transfers in real-time.

Savings Products

  • • Ordinary Savings / Current Accounts
  • • Fixed Deposit Accounts (with Cert Generation)
  • • Holiday / Junior / School Fees Accounts
  • • Call Deposits

Teller Operations

  • • Cash Withdrawal & Deposit (with Receipt printing)
  • • Cheque Deposit (Inward Clearing)
  • • Bankers Cheque Issuance
  • • Third-party Payments (KPLC/Water/Rent)

Salary Processing

  • • Bulk Salary Upload (Excel/CSV)
  • • Auto-deduction of Loan Repayments
  • • Standing Orders Execution
  • • Salary Advances / Overdrafts automation

ATM & Cards

  • • Sacco Link / Co-op Bank Integration
  • • Debit Card Ordering & Linking
  • • PIN Regeneration requests
  • • ATM Settlement Reconciliation

Financial Accounting (GL)

Fully integrated General Ledger. No need for QuickBooks or Tally.

Core Accounting

  • • Chart of Accounts (Standard SASRA Format)
  • • Journal Entries & Voucher Posting
  • • Bank Reconciliation (Auto-match)
  • • Budgeting & Variance Analysis

Payables & Receivables

  • • Supplier/Vendor Management
  • • LPO Generation & Invoicing
  • • Expense Tracking & Petty Cash
  • • Withholding VAT Management

Fixed Assets

  • • Asset Register & Tagging
  • • Depreciation Calculation (Straight/Reducing)
  • • Asset Disposal & Revaluation
  • • Maintenance Schedules

Digital Channels & Mobility

Don't force members to visit the branch. Give them the Sacco in their pocket.

📲

M-Pesa Integration (C2B & B2C)

Real-time deposit via Paybill. Instant Loan Disbursement and Dividends via B2C.

📱

Mobile App & USSD

Members can check balances, request mini-statements, apply for mobile loans, and guarantee others via phone.

🌐

Member Web Portal

Self-service portal for downloading statements, viewing loan schedules, and updating profiles.

Good Morning,
James Omondi
Savings Balance
KES 450,000
Apply Loan
Withdraw
Guarantors
Statement

⚖️ SASRA Compliance

Automated generation of monthly and quarterly returns.

  • Form 1: Statement of Financial Position
  • Form 2: Statement of Comprehensive Income
  • Form 3: Statement of Deposit Return
  • Form 4: Capital Adequacy Return
  • Form 5: Liquidity Statement
  • Form 6: Investment Return
  • Risk Classification of Assets Provisioning

🔒 System Security

Maker-Checker Principles

Every critical action (Loan Approval, Expense Payment, JVs) requires an initiator and an approver.

Audit Trail

Logs IP Address, User, Time, Previous Value, and New Value for every edit.

Data Backups

Automated daily backups to 3 locations (Local, Cloud, DR Site).

This is the system your Sacco deserves.

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