SACCO Management System in Uganda, built once and owned by you
Member savings, shares and dividends, guarantor-linked loans on reducing-balance interest, MTN and Airtel Mobile Money, a member app, USSD for basic phones and reports that support the returns your SACCO files. Built around your by-laws, then handed over with the source code and data as yours. No per-member subscription that grows every year you add savers.
Custom quote Typical range for a SACCO system Scoped to your membership size, products, member channels and reports. One fixed quote, paid 50/25/25.
What your SACCO system does
Every module is scoped to your by-laws, your savings and loan products and the reports your auditor, the registrar and UMRA ask for. Nothing generic bolted on. What we build is the Growth Informer Loan and SACCO Management System, configured around your SACCO's own savings, share and loan products.
Member accounts and KYC
Register members with National ID, phone, next of kin and share allocation. Search any member and see their full savings, shares, guarantees and loan history in one screen.
Member savings
Run compulsory, voluntary and fixed savings as separate products. Every deposit and withdrawal posts to a double-entry ledger, so each member balance reconciles to the books.
Shares and share capital
Record share purchases and transfers, enforce the share limits in your by-laws, and keep a share register you can print for the AGM.
Dividends and savings interest
Work out dividends on shares and interest on savings at year end by the formula your members approve, post them to member accounts and produce the distribution list.
Guarantor-linked loans
Link every loan to member guarantors and hold their pledged savings or shares against it until repayment, so officers see each member's guarantee exposure before approving another loan.
Reducing-balance interest by default
Loans calculate interest on the reducing balance unless you choose otherwise, so members pay only on what they still owe. Schedules, arrears and penalties follow the loan rules you set.
Member app
Members with smartphones check savings, shares and loan balances, download statements and apply for loans from an app built for slow data and mid-range Android phones.
USSD for basic phones
Members without smartphones dial a USSD menu for balances, mini statements and loan status, so nobody is shut out by the phone they carry.
Reports for your returns
Trial balance, loan portfolio, arrears ageing and member balances come straight from the ledger, laid out to support the returns your SACCO files. Filing stays your obligation.
Collections and Mobile Money
Savings, share purchases and loan repayments only help your SACCO when each shilling lands against the right member. The system takes money in and sends approved withdrawals and loan disbursements out over the rails members already use, then matches every payment to its account so your treasurer is not retyping references off SMS. It is the same Mobile Money and double-entry ledger work we already run in Moyo Pay, our own wallet.
Mobile Money in and out
Members pay savings, shares and loan instalments from MTN and Airtel Mobile Money, and approved withdrawals and disbursements go back to the same numbers, with each transaction reference stored against the member account.
Allocation and reconciliation
Each incoming payment is split across savings, shares, penalties, interest and principal in the order your policy sets, and a daily reconciliation report shows what arrived, what matched and what needs a person to check.
Bank, card and salary check-off
Where members pay by bank transfer or card, or an employer remits salary deductions, we connect a payment gateway or import the remittance file so those collections land in the same ledger as Mobile Money.
Reports that support your returns
Tier 4 SACCOs in Uganda are licensed and supervised by the Uganda Microfinance Regulatory Authority (UMRA) under the Tier 4 Microfinance Institutions and Money Lenders Act, 2016, and a registered cooperative must also have its accounts audited every year. Filing returns and meeting those rules is your SACCO's obligation. The software supports it by keeping every figure in one ledger, so the reports behind a return are ready when you need them. We do not give legal or regulatory advice, so confirm what you must file with UMRA or your adviser.
- Member balances. Savings, shares and loans per member and in total, as at any date you choose.
- Loan portfolio quality. Outstanding principal, arrears ageing and portfolio at risk, drawn from the same repayments your officers record.
- Capital and liquidity figures. Core capital, liquid assets and savings pulled from the ledger, so the ratios you report are worked out the same way every period.
- Books for your auditor and AGM. Trial balance, income statement, balance sheet and the dividend and savings interest distribution list.
- Your templates. Reports laid out to the formats you are given and exported to Excel or PDF.
Why custom beats a rented SACCO product
Many SACCO products are rented subscriptions, often priced per member, so the bill rises as you grow and you bend your SACCO to fit their screens. We build the other way round.
- You own it. One build, handed over with the code. You do not pay more every time your membership grows.
- Mobile Money native. MTN and Airtel deposits and withdrawals are built in, not a clumsy add-on or manual reconciliation.
- Built for slow data. Runs on mid-range Android over patchy networks, because that is what your members and staff actually carry.
- Ledger you can trust. Double-entry accounting under every transaction, so savings, shares and loans always balance for the auditor.
- Fits your by-laws. Your loan products, your interest method, your dividend formula, not a foreign template you have to work around.
What it costs. A SACCO system with member savings, shares, dividends, guarantor-linked loans and Mobile Money typically costs , priced for your region. A small single-branch SACCO sits toward the lower end, and a multi-branch build with a member app, USSD and detailed returns reporting costs more. You get one fixed figure before work starts and pay it 50/25/25.
The fintech capability behind this
To be honest and clear: we have not yet shipped a named SACCO system, so here is the fintech and ledger work that proves we can build yours. Moyo Pay, our own wallet, runs dual-currency accounts on a strict double-entry ledger with Mobile Money and USSD, the same accounting backbone and member channels a SACCO needs. Growth Informer Business is our own live cloud platform for POS, inventory and business management run from a phone, which is the same real-time, mobile-first, multi-user foundation your SACCO staff will use daily. SACCO software is savings, loans and a ledger tied to Mobile Money, and that is squarely what we already build.
SACCO system questions, answered
You get one fixed quote before any work starts, because a 200-member village SACCO and a 5,000-member urban one are very different builds. Four things move the price: your membership size and number of branches; your savings, share and loan products; the channels members use, such as MTN and Airtel Mobile Money, a member app or USSD; and how deep the reporting goes, including the reports behind the returns your SACCO files. Tell us how your SACCO runs on WhatsApp and we send a clear figure, paid 50/25/25.
A focused SACCO system for savings, shares, loans and Mobile Money is typically a few weeks to a couple of months, depending on how many loan products and reports you need. We agree a timeline in writing at the start and show you working screens as we go, not just at the end.
Every project runs on a 50/25/25 plan: 50% to start, 25% at the review milestone when you see the system working, and 25% at completion when it is handed over. You are never asked for the full amount upfront, and each payment is tied to real progress you can see.
You own it outright. Unlike per-member subscription products that charge you more every year your SACCO grows, this is built once and handed over as yours, with the source code and your member data included. Add a thousand members and your ownership does not change and your monthly bill does not balloon.
Yes, that is core to the build. Members deposit savings and repay loans by MTN and Airtel Mobile Money, and approved withdrawals go back out the same way. Transactions post straight to the ledger, so your treasurer is not keying figures off SMS messages at midnight.
Each loan can be linked to member guarantors, and their pledged savings or shares can be held against it until the loan is repaid, so officers see a member's guarantee exposure before approving another loan. Interest is calculated on a reducing balance by default, so members pay interest only on what they still owe, and a flat rate stays available for any product your by-laws price that way.
Yes. Members with smartphones use a member app to check savings, shares and loan balances, download statements and apply for loans. Members on basic phones dial a USSD menu for balances, mini statements and loan status. USSD needs a short code arranged with a telecom or USSD provider, and we plan that setup into your scope. It is the same Mobile Money and USSD work behind Moyo Pay, our own wallet.
It supports them, but filing stays your SACCO's obligation. Tier 4 SACCOs in Uganda are licensed and supervised by the Uganda Microfinance Regulatory Authority (UMRA). The system produces the reports behind a return from one ledger, such as member savings and share balances, the loan portfolio and arrears, capital and liquidity figures and a trial balance, laid out to the templates you give us. We do not give legal or regulatory advice, so confirm exactly what you must file with UMRA or your adviser.
SACCO lending, guides and tools
Going deeper on the loan side of your SACCO: related builds, guides and tools for lending, microfinance and portfolio quality.
SACCO software for Kampala SACCOs
We are a Kampala team, so a Kampala SACCO can scope its system with us over WhatsApp or a call in the same time zone. SACCOs in Kampala come in different shapes: employer and staff SACCOs, market and trader groups, taxi park and boda boda stage SACCOs, church and community groups, and Emyooga SACCOs. The Growth Informer loan and SACCO system is configured around the SACCO you run, not the other way round.
Employer and staff SACCOs
Where members save through payroll, we import the employer's remittance file so each deduction posts to the right member's savings, shares or loan repayment, in the same ledger as Mobile Money.
Market, taxi park and stage SACCOs
Members who earn day to day often save small amounts often. Savings products are set up around how your members actually save, daily, weekly or monthly, with each MTN or Airtel Mobile Money deposit matched to the member who sent it.
Emyooga and community SACCOs
Emyooga SACCOs are organised by occupation, such as boda boda riders, taxi operators and market vendors. We build around your own by-laws, members and products. How the Emyooga SACCO fund works.
What to bring to a first conversation. A Kampala SACCO can get a clear fixed quote faster when we know these five things.
- Your members and offices. How many members you have, and how many offices or collection points, in one Kampala division or across several, such as Central, Kawempe, Makindye, Nakawa and Rubaga.
- Your products. Your savings, share and loan products, and whether you price interest on a reducing balance or a flat rate.
- How money arrives today. MTN and Airtel Mobile Money, bank transfer, cash at the office or an employer's salary deductions.
- What your members carry. Smartphone or basic phone, which decides the mix of member app and USSD.
- Your reports. The reports your board, your auditor and the relevant regulator ask for, so we lay them out to your templates.
What we can and cannot show you. We have not yet shipped a named SACCO system. What we have built is the ledger, Mobile Money and USSD work in Moyo Pay and our own live platform, Growth Informer Business, shown in the fintech capability section above. You get one fixed quote before work starts, paid 50/25/25, and you own the source code and your member data. Still setting up your SACCO? Start with how to register a SACCO in Uganda.
Get a fixed quote for your loan system
Tell us what you need and where you are. We reply on WhatsApp with questions or a fixed quote, usually the same working day.
Run your SACCO on software
you actually own
Tell us your membership size, your savings and loan products, whether members need an app or USSD, and the reports you file. We will scope it and send a fixed quote on WhatsApp, with no per-member rent hanging over you.
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