Solution

A SACCO platform built on real core banking, not spreadsheets

Member accounts, shares, savings and loans on a MifosX/Fineract foundation, with mobile money collection and a member-facing app layered on top.

A SACCO platform built on real core banking, not spreadsheets
What's included

What's included

Member accounts, shares, savings and loans on a MifosX/Fineract foundation, with mobile money collection and a member-facing app layered on top.

Member management

Registration, KYC documents and member records in one searchable system.

Shares & savings

Share capital tracking and savings products configured to your SACCO's bylaws.

Loan lifecycle

Origination, appraisal, disbursement, repayment and restructuring on Fineract.

Member self-service app

Balance checks, statements and loan applications from a mobile app or USSD.

Mobile money collection

MTN MoMo and Airtel Money repayment collection reconciled automatically.

Board & regulator reporting

Reports formatted for board meetings and regulatory submission.

MifosX/Fineract, because your SACCO shouldn't outgrow spreadsheets
Why this stack

MifosX/Fineract, because your SACCO shouldn't outgrow spreadsheets

Growing past 500–1000 members on spreadsheets or a generic accounting package creates real risk: reconciliation errors, slow reporting, and no clear audit trail. MifosX/Fineract is purpose-built core banking, used by microfinance institutions worldwide.

We layer a member app, mobile money integration and reconciliation automation on top, so the SACCO gets a modern experience without losing the reliability of proper core banking.

  • Full audit trail on every transaction
  • Automated mobile money repayment reconciliation
  • Reports ready for board and regulator review
How we work

How we deliver this solution

A clear, staged approach from discovery to go-live.

01

Bylaws & product mapping

We map your SACCO's actual share, savings and loan products into Fineract configuration.

02

Core banking setup

We configure or migrate to MifosX/Fineract with your chart of accounts.

03

Mobile money & app layer

We connect MTN MoMo/Airtel Money and build the member-facing app.

04

Training & go-live

We train tellers, loan officers and management, then support cut-over.

FAQ

SACCO Management Software — frequently asked questions

Still have questions? Talk to our team →

Yes, migration from spreadsheets or another system is part of the standard rollout, with reconciled opening balances.

Yes, both are supported for collections and disbursements, with automated reconciliation.

Yes, USSD and SMS options are available alongside the mobile app for members without smartphones.

Yes, Fineract supports multi-office/branch structures with consolidated and branch-level reporting.
Related

Related pages

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