Every part of running a SACCO, in one place
Sacco Kit is one connected system — from a member's first deposit to the SASRA return at year end. No exports, no reconciliation by hand, no second tool.
Member records that match your bylaws
Onboard individuals and institutions with full KYC, link them to organisations, groups, and a home branch, and capture joining fees at the point of registration.
Every member carries a complete history — savings, loans, shares, guarantees, and documents — in a single profile your officers actually trust.
BOSA and FOSA, on one ledger
Run back-office savings and front-office accounts side by side, with standing orders, interest accrual, and member statements generated from the same posted GL.
Tellers transact in real time; the books stay balanced without an end-of-day scramble.
Origination through collection
Capture applications, run eligibility and guarantor checks, route multi-signer approvals, disburse to M-PESA or bank, and track repayment and arrears — end to end.
Collections, rescheduling, and provisioning all flow from the same loan record.
C2B and B2C that reconcile themselves
Collections land against the right member automatically and disbursements push out in batches. Paybill registration, callbacks, and ledger matching are handled for you.
Month-end reconciliation stops being a manual ritual.
Regulatory, board, and daily — generated
Prudential ratios, SASRA returns, and board packs build from the same live ledger your tellers use. Auditors get a clean trail; the board gets one source of truth.
Reporting tiers — regulatory, governance, operational — all stay in sync.
Multi-signer control, with an audit trail
Define who signs what and at which threshold. Loans, dividend runs, and large disbursements route to the right committee, and every action is logged.
Stuck approvals surface automatically so nothing sits in limbo.
Self-service that's safe to expose
Members check balances, download statements, apply for loans, and pay via M-PESA — without calling the office. Sensitive actions stay staff-only by design.
You decide exactly what members can do; the rest stays behind approvals.
Home branch vs transacting branch
Members belong to a home branch but can be served anywhere. Cross-branch transactions, branch-level reporting, and cash-in-transit controls are built into the core.
Open your next location without re-platforming.
Your platform subscription, in the open
Sacco Kit is multi-tenant. Each SACCO sees its own subscription, invoices, and usage — and platform administrators manage plans, dunning, and suspensions from one place.
No surprises: billing status is visible right inside the app.
One platform for all of it
See how the modules connect on a 30-minute walkthrough with your own workflows.