SaccoSys
Members, savings, shares, loans, and the ledger — one system for the cooperative.
A modern cooperative banking platform for SACCOs — covering members, savings, shares, loans, accounting, and a secure members portal in one system.
Talk to Usarrow_forwardMember Management
Member Registration
Onboard members with automatic member IDs, photos, and a complete profile from the first day.
Profiles & Organization
Capture contact, employment, and organization details against a structured address hierarchy.
Family & Lifecycle
Record family information and notes, then activate or deactivate members without losing history.
Bulk Import
Bring existing membership rolls in through import tools built for cooperative migrations.
Savings
Account Types
Configure compulsory, time-blocked, and interest-bearing savings products for your SACCO rules.
Deposits & Withdrawals
Operate day-to-day deposits, withdrawals, and account-to-account transfers with service charges.
Limits & Controls
Enforce withdrawal limits and charge rules so tellers and the portal stay within policy.
Interest Posting
Generate and post interest on schedule, with a full transaction history on every account.
Loans
Configurable Loan Types
Define loan products and interest methods that match your cooperative's credit policy.
Approval & Disbursement
Take a request from submission through approval or rejection to disbursement with a clear audit trail.
Schedules & Repayments
Generate installment schedules, accept partial payments, and track repayment progress.
Collateral & Guarantors
Attach collateral and guarantors to a loan, and reschedule when the member's situation changes.
Payroll Deduction
Import salary deductions and keep payroll-linked repayments aligned with the loan book.
Accounting & Reports
General Ledger
Maintain a chart of accounts with journals that receive automatic posts from savings, shares, loans, and dividends.
Financial Statements
Produce trial balance, income statement, and balance sheet when the committee needs the books.
Reconciliation
Use transaction logs and reconciliation views to close the day with confidence.
Members Portal
Secure Sign-In
Members sign in with member ID, email, or phone — including forced password change after a staff reset.
Balances Dashboard
One view of savings, shares, and loans with account history a member can trust.
Loan Requests Online
Members track installment progress and submit loan requests without a branch visit.
Privacy Controls
Profile access and balance privacy settings keep sensitive figures with the right people.
Administration & Security
Roles & Permissions
Role-based access for staff — tellers, credit officers, and accountants only see what they need.
Audit Logging
Critical actions are logged so supervisors and auditors can reconstruct what happened.
SMS & Email Alerts
Configurable templates and policies notify members when deposits, loans, or dividends move.
SACCO Policies
System settings and master data — lookups, templates, and hierarchy — keep the cooperative's rules in one place.
Ready to talk about SaccoSys?
Tell us about your deployment scale and timeline, and our team will scope the right integration.
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