The operating system
for modern SACCOs
One platform for members, savings, loans, M-PESA, and reporting — purpose-built for SACCOs in Kenya, Uganda, and Tanzania. Retire the spreadsheets, the legacy core banking system, and the WhatsApp groups.
Management dashboard
Built for the regulators and rails East African SACCOs run on
Not a bank platform with the labels changed
Most core banking systems were built for banks and bent into shape for cooperatives. Sacco Kit starts from how a SACCO actually runs.
Built for SACCOs
BOSA and FOSA accounts, shares and dividends, multi-signer approvals, and member organizations are first-class — not bolted on. The model matches your bylaws, not a bank's chart of accounts.
M-PESA-native
C2B collections and B2C disbursements run through the platform with automatic reconciliation. Paybill registration, callbacks, and ledger matching are handled — not a CSV export and a prayer.
Multi-branch from day one
Home branch versus transacting branch, cross-branch service, and branch-level reporting are built into the core. Open your second location without re-platforming.
Every part of running a SACCO, in one place
From walk-in to active member in minutes
Capture KYC, link members to organizations and groups, collect joining fees, and route to the right home branch — without paper forms or duplicate records.
Application to disbursement, fully tracked
Officers capture applications, the system runs eligibility and guarantor checks, and multi-signer approvals move the loan through your committee — with a full audit trail at every step.
C2B and B2C that reconcile themselves
Collections land against the right member account automatically, disbursements push out in batches, and the ledger stays balanced. No more matching statements by hand at month-end.
Regulatory, board, and daily — generated, not assembled
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.
Localized for East African regulation
One platform, three regulatory regimes. Sacco Kit ships with the rules, returns, and rails each market actually uses.
SASRA-ready out of the box
Prudential returns, tier 1 and tier 2 reporting, and Safaricom M-PESA rails configured for Kenyan SACCOs.
Tuned for UMRA & the SACCO act
Reporting and member structures aligned to Uganda's microfinance regulator, with mobile-money collections built in.
Built for TCDC compliance
Cooperative development commission requirements, Swahili-ready statements, and local mobile-money integration.
Ready to see Sacco Kit in action?
Book a 30-minute demo and we'll walk through your SACCO's exact workflows — members, savings, loans, and M-PESA — on real screens.