SACCO Management System in Uganda, built once and owned by you
Member accounts, savings, shares, deposits and withdrawals by MTN and Airtel Mobile Money, loans, interest, dividends and auditor-ready reports. Built for how Ugandan SACCOs actually run, then handed over as yours. No per-member subscription that grows every year you add savers.
Custom quote Scoped to your SACCO size, loan products and reporting needs. Paid on a 50/25/25 plan, not rented per member forever.
What your SACCO system does
Every module is scoped to your by-laws, your loan products and the reports your auditor and the registrar actually ask for. Nothing generic bolted on.
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 and loan history in one screen.
Savings, shares and deposits
Track compulsory savings, voluntary savings and share capital separately. Every deposit and withdrawal posts to a double-entry ledger so balances always reconcile.
Mobile Money in and out
Members deposit and withdraw by MTN and Airtel Mobile Money direct from the system. Transactions are matched automatically instead of keyed in from SMS by hand.
Loans and interest
Set loan products with your own interest method, terms and guarantors. The system schedules repayments, tracks arrears and flags defaulters before they slip through.
Interest and dividends
Calculate savings interest and share dividends at year end by your own formula, then post to member accounts and produce the distribution list for your AGM.
Statements and audit reports
Members get clear statements on a cheap Android phone. You get trial balance, loan aging and auditor-ready exports so the annual audit stops being a fire drill.
Why custom beats a rented SACCO product
Most SACCO software here is a rigid subscription: you pay per member every month, forever, 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.
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 runs dual-currency member wallets on a strict double-entry ledger with Mobile Money and USSD, the exact accounting backbone 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
It is a custom quote, because a 200-member village SACCO and a 5,000-member urban one are very different builds. We scope your membership size, loan products and reporting, then quote a fixed price. Simpler systems start in a similar range to our business websites from UGX 1,000,000, and larger multi-branch SACCOs cost more. You get the number before any work starts.
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, code 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.
Run your SACCO on software
you actually own
Tell us your membership size, your loan products and the reports your auditor wants. We will scope it and send a fixed quote on WhatsApp, with no per-member rent hanging over you.
Talk on WhatsApp