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Resources
SACCO management guides
Plain-language guides for SACCO managers, treasurers, loan officers and board members — how each part of running a SACCO works, with worked examples. Useful whichever system you use.
SACCO management
What is SACCO management software? A complete guide
What SACCO management software does, the modules a SACCO needs (members, savings, loans, accounting, reports), how it differs from spreadsheets, and how to choose one.
9 min readHow to digitize SACCO operations: a step-by-step plan
A practical plan for moving a SACCO from paper and spreadsheets to a digital system: member data, opening balances, staff roles, go-live and the first month.
8 min readHow to manage SACCO members and their records
What a good SACCO member record contains, how to register and verify members, next of kin, member types and groups, statements, and handling members who leave.
7 min readLoans
The complete guide to SACCO loan management
How SACCO loans move from application to closure: products, appraisal, guarantors, approvals, disbursement, schedules, arrears, penalties and write-offs.
10 min readLoan rescheduling vs loan top-up: what is the difference?
When to reschedule a struggling loan and when to top up a performing one, how arrears and interest are treated in each case, and how both are recorded in the books.
7 min readSavings
How SACCO savings interest is calculated
Daily-balance and minimum-balance interest explained with worked examples, how often to post interest, and how savings interest is recorded in the accounts.
7 min readUnderstanding fixed deposits in SACCOs
How SACCO fixed deposits work: terms, locked rates, interest at maturity, early withdrawal, renewal or payout to savings, and how to track them.
6 min readAccounting
How double-entry accounting works in a SACCO
Debits, credits and the SACCO chart of accounts, with the journal entries behind deposits, withdrawals, share purchases, loan disbursements and repayments.
9 min readUnderstanding the SACCO trial balance
What a trial balance is, how to read one, why it must balance, what it does not prove, and how it connects to the income statement and balance sheet.
6 min readSACCO financial reports: what to produce and how to read them
The reports a SACCO board and auditors rely on — income statement, balance sheet, portfolio at risk, arrears, savings and share registers — and how to read them.
8 min readReference
Run your SACCO on clear, balanced books
Register your SACCO, import your members from Excel and post your first deposit the same day.