Run your entire SACCO from one secure system
Members, savings, loans, guarantors and accounts in one core banking system for Kenyan SACCOs, with M-Pesa, USSD and a member portal so members can save and repay without queuing.
- M-Pesa Paybill & STK
- USSD, web & mobile app
- Maker-checker & audit trails
- Multi-branch consolidation
One SACCO management system for every member, shilling and loan
SingularERP-Sacco is a complete core banking system for Savings and Credit Cooperatives in Kenya. It replaces ledgers, spreadsheets and disconnected tools with one platform where you open accounts, post savings, process loans and reconcile M-Pesa and bank collections, with postings from loans, deposits and charges flowing straight to the general ledger.
Members check balances, deposit and repay through USSD, the web portal and the mobile app, which cuts queues at the counter. Maker-checker approvals, audit trails and CRB checks keep funds safe, and management and the board get portfolio quality, liquidity and growth reports when they need them.
Everything in SingularERP-Sacco
Member management
Every member, from joining to exit, on one profile.
- Digital onboarding with KYC, next of kin and documents
- Share capital, deposits and standing orders
- Member statements and certificates
- Dormant and exit workflows with payouts
Savings & deposits
Savings and deposit products that follow your by-laws.
- Savings products with interest rules and minimum balances
- Fixed deposits with tenors and early withdrawal rules
- Daily postings, interest accrual and period closes
- Year-end dividend and interest-on-deposit runs
Loan management
From application to final repayment, on rules you set.
- Loan products with fees, interest methods and penalties
- Appraisal and multi-level approvals
- Disbursement to bank or M-Pesa with amortisation schedules
- Top-ups, restructures, refinancing and early payoff
Guarantors & recoveries
Know who stands behind every loan, and act early on arrears.
- Guarantors, collateral and eligibility checks
- Guarantors accept or decline requests online
- Each member's guarantee commitments at a glance
- Delinquency tracking, ageing and recoveries
M-Pesa & member self-service
Members save and repay without visiting a branch.
- USSD, web portal and mobile app for balances and mini-statements
- M-Pesa Paybill and STK for deposits, repayments and withdrawals
- Loan applications and a loan calculator in the portal
- Bulk SMS and email alerts, plus repayment reminders
Teller & branch operations
Controlled cash handling from the counter to head office, with task lists and reminders for every team.
- Front office teller with receipts and end-of-day checks
- Agent and teller module with cash controls
- Back office loan processing with an exceptions queue
- Branch and head office controls with consolidation
Accounting & receipting
A full double-entry ledger with chart of accounts, journals, cashbook and bank reconciliation.
- Automatic receipting for M-Pesa, bank and agency deposits
- Employer check-off schedules matched to member accounts
- Auto posting from loans, deposits and charges
- Trial balance, income statement, balance sheet and notes
Risk & controls
Controls that protect member funds and data.
- Maker-checker approvals and limits per role
- Audit logs, user trails and device controls
- CRB support and KYC document checks
- Biometric verification and encrypted backups
Reports & analytics
Reports for management, the board and regulators.
- Regulatory and board reports
- Portfolio quality, PAR, write-offs and recoveries
- Liquidity, savings growth and loan demand trends
- Custom exports to Excel and PDF
Up and running in 4 steps
Import your data
Load members, savings and loan balances using our data import templates, so you start with clean opening positions.
Set up your products
Configure savings and loan products, fees, penalties and GL mapping to match your by-laws and policies.
Pilot and train
Run a pilot with your own data while tellers, loan officers and accountants are trained on the system.
Go live with support
Switch on M-Pesa, USSD and the member portal, backed by go-live support and local WhatsApp, phone and email help.
Built for SACCOs of every kind
Employee-based SACCOs
Savings and lending for staff members, with self-service so they rarely need to visit the office.
Community & church SACCOs
Simple onboarding, M-Pesa contributions and clear statements for every member.
Farmer & trader SACCOs
Flexible loan products and mobile deposits for members with seasonal incomes.
Multi-branch & nationwide unions
Branch and head office controls with consolidated accounts and reports.
Works with the tools you already use
M-Pesa
Paybill and STK for deposits, loan repayments and withdrawals, with automatic receipting.
Banks & payment gateways
Bank files and payment gateways for collections, disbursements and reconciliation.
Credit reference bureaus
CRB support for checking borrowers before loans are approved.
Biometrics
Biometric verification of members at the counter.
Document signing & CRM
Connect document signing and CRM tools to your member workflows.
API access
An API for third-party apps that need to work with your SACCO data.
What changes for your team
Shorter queues
Balance checks, deposits and repayments move to USSD, web and mobile, so tellers can focus on members who need them.
Funds protected
Maker-checker approvals, role limits, audit logs and encrypted backups guard member money.
Faster reconciliation
M-Pesa, bank and agency deposits are receipted automatically and reconciled in the cashbook.
Board-ready reports
Portfolio quality, PAR, liquidity and growth reports for management and the board.
Add more as you grow
Other SingularERP products that fit naturally alongside SingularERP-Sacco.
