Ledgers in books and Excel
Month-end means days of checking, and a small slip can hide for months.
Sectors · Savings and Credit Cooperatives (SACCOs) and microfinance
Know every member's balance without opening a ledger.
Members deposit, borrow and repay all month. We give your team one system for the ledger, mobile money for deposits and repayments, and reports your board can read the same day.
- Member recordsSavings, shares and loans
- Mobile moneyDeposits and repayments
- Board reportsReady when needed
- Secure by designRoles, backups, audit log
What gets in the way
Sound familiar?
Arrears are found late
Late loans surface when someone happens to look, not when they become late.
Members ask for their balance
Staff answer the same question all day instead of serving people.
Reports take too long
Boards and supervisors ask for numbers, and compiling them stops other work.
What we build for you
Pick the part that hurts most, and start there
Each card shows a starting price and links to the page that explains it. Most clients begin with one piece and add more as it proves itself.
Member, savings and loan system
One database for members, accounts, shares and loans, with logins by role and a record of every change.
From UGX 25,000,000
See the detailsDeposits and repayments by phone
Members pay with MoMo or Airtel Money. The money is posted to the right account at once.
From UGX 4,500,000
See the detailsLoan payouts with approvals
One officer prepares, another approves. Limits and history are built in.
From UGX 6,500,000
See the detailsBoard and supervisor dashboards
Portfolio at risk, savings growth and overdue loans, on a phone.
From UGX 4,000,000
See the detailsMember app
Members check balances and loan status on their own phone, even on a slow connection.
From UGX 5,000,000
See the detailsSecurity health check
You hold other people's money. A plain-language check shows how safe the records are.
From UGX 1,200,000
See the details
An example, not a client
Imagine a Savings and Credit Cooperative (SACCO) with 800 members
Deposits arrive by MoMo and are posted to each member within seconds. A member sends a short message to ask for a balance and gets an answer. The manager opens one dashboard on Monday and sees which loans are late, who the loan officers need to visit, and how much was saved last week. The treasurer closes the month in an afternoon.
This is a made-up picture of how it could work, so you can imagine your own version. Our real work is on the work page.
Questions
Things SACCOs and microfinance institutions ask before they call
Can we move our old records into the system?
Usually yes, if they are in Excel or in clean ledgers. We import them, flag mistakes for your team to confirm, and keep the old files untouched.
How do you protect member money?
Payments confirm on the member's own phone. Roles limit who can post or approve, every change is logged, and backups are kept in a second place. We can also run a security check.
Can the system produce the reports our supervisors ask for?
We build the reports around what your board and supervisors ask for. Bring a sample, and we will match its layout.
Tell us how your SACCOs and microfinance institutions work today.
A few lines are enough. We reply within one working day and suggest a first step that fits your budget.
Also see: Schools and colleges, Small and medium businesses, NGOs and churches, Public sector.