SaccoSys Handbook by SaccoSys

SaccoSys is Made for your SACCO!

Make the best out of your SACCO by focusing on what really matters as we handle ﬁnancial administration.

About SaccoSys

We began in March 2024 with a desire to disrupt Savings and Credit Co-operatives (SACCOs) management by offering a streamlined, intuitive and affordable cloud-based software. Dreaming big but wisely, SaccoSys started with serving just one SACCO. Within ﬁve months, it had gained traction to be adopted and implemented by ﬁve SACCOs.

SaccoSys is a software designed to meet the ﬁnancial management needs of small and growing SACCOs, Savings and Investment Groups, Company SACCOs, Micro-Finance Institutions (MFIs) and Village Savings and Loans Associations (VSLAs). Offered as a Software as a Service (SaaS), SaccoSys empowers SACCOs to easily deliver modern ﬁnancial experiences to their clients.

By Numbers

2,348 + Daily Average Transactions 1,343+ 167 + Average SMSes & Emails Sent Per day 07 + SACCOs Empowered in < 1 Year

07+ SACCO Members Served

WE’RE BUILDING STRONGER SACCOS, ONE MEMBER AT A TIME

BY OFFERING A COMPLETE SUITE OF FINANCIAL TOOLS

SaccoSys empowers SACCOs to build customer relationships, laying a foundation for long-term success and ﬁnancial growth.

“At SaccoSys, we innovate with purpose, fueled by our impact to create lasting difference for SACCOs and their mem-

Disrupting SACCO banking status quo.

Traditional SACCO data processing and management systems, such as Excel spreadsheets, present inefﬁciencies in SACCO banking.

Recognising that these systems weren't working as expected, a decision was reached to develop a new consumer financial service platform — one specifically designed to reduce operational costs, enhance efficiency and meet the needs of every SACCO. SaccoSys exists to change the banking status quo in SACCOs.

01. Small and Growing SACCOs 02. Savings and Investment Clubs 03. Company SACCOs 04. Micro-Finance Institutions (MFIs) 05. Investment Clubs 06. Village Savings and Loans Associations (VSLAs)

Features you’ll love

Get back to doing things you love most in your SACCO

01. Member On-Boarding

Simplify member on-boarding and account opening. Manage savings/ deposits and withdrawals.

02. Robust Dashboards and Reports

Predictive, ﬁlterable and exportable reports on member savings, shares and other ﬁnancial statements.

03. User Roles and Permissions

SaccoSys employs a Role-based Access Control (RBAC) model, allowing you to add unlimited users with customizable roles and permissions. This ensures that your SACCO’s operations run smoothly and securely.

04. Loan Portfolio Management

Handle Loan Aging, Member borrowing and Repayment behavior prediction with AI integration. Handle Penalties, fees, Loan rescheduling and Pay-off with ease. Generate accurate loan schedules and related reports.

05. Loan application and approvals

Manage the entire loan lifecycle, from application to appraisal, approval, disbursement and repayments. Generation of automated-printable loan repayment schedules. Manage loan documents. Automated and Manual daily and monthly penalty application.

06. Shares Management

Easily manage member shares with SaccoSys, ensuring accurate records and transactions.

07. Fixed Deposits

Track and manage ﬁxed deposits, including interest calculations and maturity payments, Withholding Tax management.

08. Loan Reports

Printable loan reports such as Portfolio on Ageing Loans, Pending Due Loan Repayments and Past Maturity Date Loans

09. Data Security and Audit Trail

SaccoSys ensures data integrity and security through User access and fraud control mechanisms. We employ Two-Factor Authentication (2FA) at login. Manual and Automated backups and robust audit trails are implemented. Fraud is controlled through a reversal functionality where transactions are reversed instead of deleting entries. We keep reversed records for auditing purposes.

10. Income and Expenses

Stay on top of your SACCO’s ﬁnancial health with SaccoSys. Our platform allows you to record all income and expenses, providing clear insights into your ﬁnancial status.

11. Messaging and Email Center

Keep your members engaged with our messaging center. Send Bulk SMS campaigns or email notiﬁcations, automated birthdays. This module integrates with the loans module to facilitate loan late repayments reminders, SMS and email notiﬁcations on deposits and withdrawals.

12. Savings and Withdrawals

SaccoSys provides an easy-to-use platform for managing members' savings and withdrawals. Manage regular savings and withdrawals. Keep accurate, up-to-date records of shareholdings.

13. Bulk Imports

Importing large datasets is quick and easy. Our bulk imports module saves you time and reduces the risk of errors, allowing you to maintain accurate records. Import large amounts of data in one go. Reduce manual entry and minimize errors.

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What Makes SaccoSys UNIQUE!

so is your SACCO

1/6

Purpose-driven innovation

SaccoSys stands out by delivering innovation that makes a real impact for SACCOs and their members.

2/6

Private and Secure

Protect your ﬁnancial data with cutting-edge encryption and multi-layered security protocols, ensuring peace of mind.

3/6

Customised Solution

SaccoSys is customised to meet your SACCO's speciﬁc needs, allowing for flexible management and growth.

4/6

User-friendly interfaces

SaccoSys offers a seamless experience, ensuring that any SACCO can easily navigate and beneﬁt from it.

24/7 Chat and Phone Call Support

With unmatched customer support, we are dedicated to providing clients with continuous and personalized assistance, making sure their needs are met at every step.

6/6

Data security at the heart of SaccoSys

We put data security & priva cy at the core of SaccoSys CODE BASE for the safety of data on top of real-time security audits on system logs.

For details, please head to our Privacy Policy and Terms of Use website pages.

Customer Success Sories

Victor, General Manager

ABICODE SACCO

SaccoSys has given us a name in the market as a Digital SACCO while engaging with clients through SMSes.

Jovita, Manager

Rwizi Traders

SACCO

Stella, Manager

Kakoba Kidongo

SACCO

We’d difﬁculties in tracking loans and savings due to missing credits and wrong posting. SaccoSys has automated this.

SaccoSys has helped us reduce overhead costs on stationery. and achieve a 20% ﬁnancial growth.

2025 in Review

What’s happening at SaccoSys

SaccoSys, sign MOU with Impact Savings Loans Association (ISLA), a staff savings association for employees at the National Water and Sewerage Corporation (NWSC), January, 2025.