Engineering

SACCO, Chama & Microfinance Management Software in Kenya: Loans, Guarantors & Dividends

By Ukweli Code Engineering Team Oct 22, 2026 Kenya & Global Markets

SACCOs, table-banking chamas, and micro-lending institutions require strict financial accuracy, maker-checker loan approvals, and transparent member statements.

Core Modules in Ukweli SACCO & Micro-Lending ERP

  • Member Share Capital, Savings & BOSA/FOSA Ledgers: Track monthly contributions, share capital, fixed deposits, and automated M-Pesa Paybill deposits.
  • Automated Loan Appraisal & Guarantor Tracking: Enforce 3x savings multipliers, digital guarantor consent, reducing-balance or flat-rate interest schedules, and automated penalty calculation.
  • One-Click Dividend & Interest Rebate Distribution: Calculate annual dividends and interest on deposits accurately with complete audit trails.

Explore the SACCO/SME Management System & ERP and FinCash Micro-Lending System in our store.

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