FEATURES
Everything You Need to Run a Modern SACCO
Six powerful modules that work seamlessly together to replace your spreadsheets, manual processes, and disconnected systems.
Member Management
Onboard members digitally, manage profiles, and track journeys from application to active membership seamlessly.
Loan Processing
Configure flexible loan products, automate disbursements, and collect repayments with zero manual work.
Savings & Deposits
Manage multiple savings products, track deposits, and automate interest calculations for every member.
Dividend Management
Automate dividend calculations, approvals, and disbursements. Keep every member happy with accurate payouts.
Compliance & Reporting
Stay SASRA-compliant with auto-generated Forms 1A, 1B, 2A. Audit trails and regulatory reports in one click.
Mobile Banking
NEW
Give your members 24/7 access to their accounts, loan applications, and statements on mobile or web.
PLATFORM IMPACT
Built on Safaricom’s network, security and payments
WATCHED AROUND THE CLOCK
24/7
Member data is encrypted in transit and at rest. Every log-in needs multi-factor authentication and a verified device, and every action is audited.
Hosted in Safaricom’s cloud, with Safaricom’s security operations behind it.
99.5%
UPTIME COMMITMENT
Contracted platform availability, monitored continuously and reported to you every month.
3
Member CHANNELS
Members reach their SACCO from any phone. A member of more than one SACCO on MySacco manages them all in the same app.
STRAIGHTFORWARD PROCESS
Go live in weeks, not months
No lengthy implementation. No IT team required. Go live in weeks, not months.
Setup & Configuration
We set up your custom domain, customize loan settings, and brand your member mobile app.
Data Migration
Our dedicated migration team securely maps and uploads historical member records and ledger books.
Staff Training
Hands-on tutorials for loan officers, compliance managers, and accountants with support materials.
Launch & Support
We flip the switch, launch USSD channels, and monitor with dedicated 24/7 phone assistance.
REAL-TIME INSIGHTS
Make data-driven decisions with real-time insights
See your book as it moves — members, deposits, the loan portfolio, arrears and M-PESA float — on dashboards your managers can read without an analyst.
Live
Dashboards, not exports
1-Click
Regulatory Audits
BUILT FOR YOUR TEAM
Built for everyone in your organization
From receptionists to chairpersons, MySACCO makes everyone’s job easier.
FOR THE BOARD AND MANAGEMENT
See membership, deposits, the loan book and arrears as they stand today, not as they stood at last month’s close. Every figure traces back to a posting.
FOR FINANCE AND COMPLIANCE
One ledger with full audit trails, daily reconciliation against M-PESA, and the records a SASRA return is built from.
FOR LOAN OFFICERS
Appraise against a member's savings and guarantors, approve in the queue, and disburse straight to the member's M-PESA.
FOR TELLERS AND THE FRONT OFFICE
Register a member, take a deposit and issue a receipt in one flow, with M-PESA payments matched automatically.
WHAT CHANGES
What changes when you move to MySACCO
Straight to M-PESA
Loan Processing Time
An approved loan is paid to the member's M-PESA, with the fee and the repayment schedule recorded automatically.
One Ledger
Manual Paperwork
Members, savings, shares, loans and the general ledger in one system that reconciles itself against M-PESA every night.
Any Phone
Members Served
Android, iOS and USSD, so a member with a feature phone gets the same access as one with a smartphone.
WORKS WITH
Built on Safaricom’s M-PESA rails, with SASRA’s requirements and the Data Protection Act 2019 designed in.
Frequently asked questions
Common questions from SACCO managers, board members, and IT teams.
Yes. MySACCO generates the SASRA-required Forms 1A, 1B and 2A automatically, keeps a full audit trail of every posting, and reconciles against M-PESA nightly so your regulatory reports are always ready.
Yes. Members can check balances, apply for loans, and view statements on Android, iOS or USSD, so even a member with a basic feature phone gets full access.
M-PESA is built into the platform, not bolted on. Deposits, loan disbursements and repayments post straight to and from M-PESA, with automatic matching and nightly reconciliation.
Our migration team securely maps and uploads your historical member records, savings, shares and loan ledgers from spreadsheets or legacy systems before you go live, so no history is lost.
Every SACCO gets dedicated 24/7 phone support, plus ongoing monitoring of your USSD and mobile channels so issues are caught before members notice them.
Still have questions?
Can’t find the answer you’re looking for? Talk to our SACCO solutions team.
GET STARTED
See MySacco running on your own numbers
Book time with the MySacco team. We'll walk your board through the platform and size the move from wherever you are today.
From KES 10,000 a month, excluding VAT • Managed onboarding included