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Features
Everything SaccoMonitor does
The complete list of features in SaccoMonitor, grouped by module. Follow the links for a detailed explanation of each area.
saccomonitor · staff portal
Dashboard
Head Office
Savings
482.6M
Loans out
311.2M
Members
1,284
Shares
96.4M
Savings growth12 months
Deposit · Grace Atim+ 150,000
Loan repayment · Peter Ouma+ 420,000
Withdrawal · Mary Nakato− 80,000
Members
- Registration with automatic member numbers
- Member types and member groups
- Next of kin and beneficiaries with percentages
- Identity documents with verification status
- Branch transfers with history
- Status: active, inactive, suspended, exited
- Bulk import from Excel or CSV with opening balances
- Member statements for any period
- Member portal on the phone: balances, statements, loans, applications, withdrawal requests
Savings, shares & fixed deposits
- Unlimited savings products with minimum balance, minimum deposit and withdrawal fee
- Deposits by cash, mobile money, bank or cheque, with references
- Withdrawal approval above a threshold (maker–checker)
- Transfers between a member’s accounts
- Share capital in whole shares, minimum shareholding and redemptions
- Share register with ownership percentages
- Fixed deposits with locked rate and term, early-break rules and maturity instructions
- Savings interest on daily or minimum balances, posted automatically or manually
- Printable receipts; double submissions never post twice
Loans
- Loan products with amount, term, rate, fees, penalties and security rules
- Flat, reducing-balance and declining-balance interest; weekly, fortnightly or monthly
- Custom questions on the application form
- Guarantors and collateral
- Multi-level approval by amount and role; no self-approval
- Disbursement in cash, bank, mobile money or to savings, with fees deducted
- Repayment allocation: penalty, interest, then principal
- Automatic late-payment penalties after a grace period; waivers with a reason
- Arrears ageing and portfolio at risk
- Loan rescheduling with capitalised or waived arrears
- Top-up loans that clear the running loan
- Write-offs with the accounting entries
Accounting
- Standard SACCO chart of accounts, extendable
- Automatic double-entry journal for every transaction
- Manual journals: draft, then post
- Reversals instead of deletions
- Accounting periods that can be closed
- General ledger per account
- Trial balance, income statement and balance sheet, per branch or consolidated
- Check that savings, shares and loans agree with the general ledger
Reports
- Member register
- Savings and share summaries; share register
- Loan portfolio, applications, disbursements, arrears and PAR
- Collections and payments by type, method and officer
- Branch performance
- Audit trail and login activity
- Every report as Excel, PDF or print
Communication
- Automatic SMS after deposits, withdrawals and repayments
- Loan reminders a set number of days before the due date
- Messages to a member, branch, group, members in arrears or due soon
- Placeholders such as first name and balance
- Message templates and delivery history
- Prepaid SMS credit with top-up requests
Branches, staff & security
- Multiple branches with branch-level access
- Custom roles built from a catalogue of more than 45 permissions
- Maker–checker on loans, large withdrawals and reversals
- Audit trail with before-and-after values
- Idle and absolute session time-outs; sign out other devices
- Login activity including failed attempts
- Staff deactivation revokes sessions immediately
Run your SACCO on clear, balanced books
Register your SACCO, import your members from Excel and post your first deposit the same day.