Sacco, Chama & Microfinance System
Savings, loans, guarantors and dividends on one ledger, with repayments collecting themselves by M-Pesa.
What it does
- Loan products with your own interest method, grace period and penalty rules
- Applications, appraisal, guarantors and an approval trail that shows who approved what
- Amortisation schedules, arrears ageing and a defaulters list that is actually current
- Share capital, savings, fixed deposits and dividend calculation at year end
- Teller, loan officer and manager roles, each seeing only their own work
How money reaches you
No one keys a payment in by hand, which is where mistakes and missing money come from.
Members repay by M-Pesa paybill using their member number — the loan balance drops the moment it lands, no posting by hand
Every deposit and repayment is captured automatically and the member gets an SMS showing the amount and the new balance
Disbursement straight to the member’s M-Pesa (B2C), with the reference stored against the loan
Member statements on demand, by SMS or email
Common questions
Does Sacco, Chama & Microfinance System accept M-Pesa?
Can Sacco, Chama & Microfinance System be changed to suit how we work?
How long does it take to go live?
Other systems you may want
Everything we build shares one paybill, one login and one set of reports.
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