Run the cooperative.Keep the trust.
Members, savings, loans, share capital, and reporting on one ledger-backed platform — live in weeks, with an audit trail your board and regulators can stand behind.
Portfolio trend · 90 days
Disbursements vs repayments
Still managing your SACCO from a spreadsheet?
Three symptoms we hear from general managers before we ever meet. If any of them sound familiar, there's a better way to run cooperative operations.
Fragmented records
Balances, loan files, and KYC scattered across spreadsheets, paper, and legacy tools. Reconciliation consumes the week before close.
Slow cycles
Reports and approvals wait on manual handoffs. Members feel delays. Regulators see gaps — not a clear audit trail.
Thin visibility
Branches and committees lack a shared view of arrears, KYC status, and portfolio health. Decisions arrive late — or arrive blind.
Every member, one record, no paper trail lost.
Onboard members, track documents, and manage eligibility from a single view — with a complete, audit-ready status trail that never lives in a filing cabinet.
- Configurable eligibility rules
- KYC document tracking with review states
- Branch assignment & committee visibility
- Full change history per member
Members · Q1 2025
Branch directory
| Member | Status | Balance |
|---|---|---|
AB Almaz Bekele M-00412 · Bole | Active | ETB 128,400 |
DH Dawit Hailu M-00411 · Hawassa | KYC review | ETB 42,100 |
SG Selam Girma M-00410 · Bole | Active | ETB 318,900 |
YT Yonas Tadesse M-00409 · Dire Dawa | Active | ETB 76,200 |
MA Meron Assefa M-00408 · Bole | New | — |
TA Tesfaye Aklilu M-00407 · Adama | Active | ETB 204,700 |
Loan · L-2481
Small business loan · ETB 85,000
Applicant: Almaz Bekele · M-00412
Committee note from Bekele M.
Approved pending collateral verification. Board trail attached.
Application to disbursement. A committee trail at every step.
Applications move through appraisal, committee review, disbursement, and repayment in one system. No more paper files sitting in a tray. Arrears are flagged early, committees see the trail, and decisions happen on time.
- Product-level rules and limits
- Configurable appraisal & approval flows
- Repayment schedules with arrears alerts
- Full committee decision trail
Board packs that generate themselves.
Portfolio health, arrears, liquidity, growth — reported from the same ledger finance closes against. Stop rebuilding spreadsheets every cycle, and stop hoping the board slide matches the regulator filing.
- Board-ready exports, not screenshots
- Regulator-style outputs
- Full audit trail of every figure
- Scheduled distribution to committees
Board pack · Q1 2025
Portfolio & liquidity summary
Ledger reconciliation
Twelve operational areas, one platform.
From member onboarding through end-of-day close — every area of SACCO operations, in a single place your team can actually run.
Members & KYC
Documents, eligibility, audit-ready status.
Savings products
Configured to cooperative rules, not bank rails.
Share capital
Movements aligned to cooperative governance.
Loans lifecycle
Application → committee → disbursement → repayment.
Transactions & teller
Deposits, withdrawals, transfers, branch controls.
Accounting views
Chart of accounts, postings, a finance close that works.
Reports & audit trail
Board packs, regulator outputs, full history.
Operational dashboard
Queues, exceptions, the daily picture.
End of day
Branch close with checks head office trusts.
Users & roles
Least privilege for tellers, officers, accountants.
Communications
Messages and notifications tied to operations.
Member mobile app
Balances, loans, self-service. Plan-dependent.
Not another bank core squeezed into a cooperative.
Many SACCOs are pushed toward enterprise core-banking stacks designed for commercial banks and MFIs. Heavy workflows, long implementation, high training load — teams trade paperwork for another system to babysit.
- ✗Bank-first workflows translated for cooperatives
- ✗Six-to-eighteen month implementation cycles
- ✗Configuration locked in vendor admin screens
- ✗Generic support desk with no SACCO context
- ✗Overkill for cooperative scale and governance
- SACCO-native workflows, configured to your rules
- Weeks to go live — not months or quarters
- Configuration owned by your SACCO team
- Support from people who understand cooperatives
- Right-sized depth for the realities of SACCO work
Start where you are. Scale as you grow.
Small SACCO
Go live in weeks. Modernise from spreadsheets without the overwhelm.
Growing SACCO
Multi-branch operations, richer reporting, optional member mobile rollout.
Union & Large
Governance workflows, tailored integrations, SLA, dedicated account manager.
“The onboarding and reporting came together faster than we expected. We wish we’d started with KoFinance first.”
Named customer experience is representative. Metrics are illustrative of typical SACCO rollouts.
Ready to run operations with less friction?
A 30-minute walkthrough, honest on timeline and fit. If we're right for your SACCO, we'll propose a rollout that matches in writing, no surprises.