SACCO & fintech software
A better way to run your SACCO.
Manage members, savings, loans, payments and accounting in one connected platform, built around the way your institution operates.
- One member record
- Connected operations
- Configurable workflows
Product preview
Monday · Sample workspace
Operations overview
All systems operational
- Active members 2,548 Member register
- Member deposits KES 320.4M Savings & deposits
- Loan portfolio KES 254.6M Outstanding principal
Monthly contributionsSample activity
Recent activity
- Deposit receivedMember · 10:24 KES 5,000
- Loan disbursementMember · 09:15 KES 50,000
- Share contributionMember · Yesterday KES 2,000
Loan operations
Applications & approvals
Sample pipeline
- New applications 18 To review
- Under assessment 12 Assigned to officers
- Ready to disburse 7 Pending approvals
Application queueLatest activity
| Member | Product | Amount | Status |
|---|---|---|---|
| Mary Wanjiku | Development loan | KES 80,000 | In review |
| John Kiprotich | Emergency loan | KES 200,000 | Approved |
| Peter Otieno | Asset loan | KES 150,000 | Verification |
Member digital channels
Banking beyond the branch
Sample activity
- Member access 24/7 Digital self-service
- Payment channels Mobile Integration options
- Member enquiries Unified Office & digital
- Member actionRequest a statement, make a contribution, or apply for a loan.
- Institution workflowCapture, validate and process activity using configured rules.
- Member updateShow status and communicate the outcome.
One connected platform
- Member management
- Shares & deposits
- Lending
- Accounting
- Digital banking
Built for financial institutions
From the first member registration to the final ledger entry.
Running a SACCO means keeping track of people, money, approvals and responsibilities. Those processes shouldn’t live in separate spreadsheets or disconnected tools.
Kweepa brings front-office service, back-office operations and digital member access into one working environment. Teams can follow the same records from registration and contribution through lending, repayment and reporting.
Explore what’s includedExplore the platform
See how the work comes together.
A closer look at three everyday workflows. Choose an area to explore its interface and tools.
Interactive sample, no account needed
Every institution can configure products, permissions and approval routes to match its operating policies.
Member record / example
Everything about a member, in one place.
Active account
MWMary WanjikuMember no. SAC-002184
- Membership
- Active since 2022
- Share capital
- KES 48,000
- Savings balance
- KES 125,430
- Active loans
- 1 account
- KYC / nominee details
- On file
Member registration, shares, beneficiaries, savings, loans and transaction history stay linked.
Loan desk / interactive example
See a sample repayment estimate.
Illustration only
Estimated monthly repayment
KES 11,768Total repaymentKES 282,441
Illustrative interestKES 32,441
Example amortised calculation only. Loan eligibility, guarantor rules and pricing depend on the institution’s policy.
Financial operations / example
A clear trail from collection to ledger.
Sample postings
| Transaction | Channel | Amount | State |
|---|---|---|---|
| Member savingsTX-24081 · Mary W. | M-Pesa | KES 5,000 | Posted |
| Loan repaymentTX-24082 · John K. | Bank | KES 16,800 | Posted |
| Share contributionTX-24083 · Peter O. | Front office | KES 2,000 | Review |
Every posting can be reconciled, reported and traced back to its source.
What the platform covers
The essentials your teams rely on, every day.
Core operations, member-facing channels and financial controls, designed as parts of the same system.
Serve your members
-
01
Registration & member records
KYC information, contacts, nominees, account histories, membership changes and documents.
-
02
Shares, savings & deposits
Contribution products, balances, interest rules, member statements and transaction posting.
-
03
Mobile & USSD banking
Balance enquiries, statements, contributions and loan requests through supported channels.
Run lending & finance
-
04
Loans & guarantor workflows
Applications, appraisal, approvals, guarantors, disbursements, schedules and recovery.
-
05
Dividends & interest
Policy-based calculation, review and distribution with a traceable member-level record.
-
06
Accounting, reports & audit
General ledger, reconciliation, approvals, trial balance, reports and activity trails.
Also designed for multi-branch operations, staff permissions and custom financial products.
Connected member experience
The branch isn’t the only place you serve members.
Give members convenient access to essential services while keeping your team in control of the underlying workflows.
- 01Check balances and statements
- 02Make contributions and payments
- 03Request loans and follow their progress
- 04Receive timely status notifications
Mobile app, USSD and payment integrations are configured according to each institution’s requirements and available providers.
Illustrative member portal
Implementation & connectivity
Built to fit your operations, not the other way around.
Keep your business rules, plan the move carefully, and connect the channels your members already use.
How we introduce the platform
- 01
Understand your institution
Map membership, savings, loan products, roles and the reports that matter to your team.
- 02
Configure and migrate
Set up products and permissions; prepare, validate and reconcile data from current systems.
- 03
Train, launch and support
Introduce the workflows in a controlled rollout with training, checks and ongoing assistance.
Connections to your existing ecosystem
Integration scope depends on the institution, provider access and deployment agreements.
Your policies stay in focus.
Loan rules, rates, approvals, reporting formats and data access can be configured for your operational needs. Regulatory fit is assessed for each deployment.
Common questions
What institutions usually ask us.
Looking for a specific integration or operating model? We can walk through it with your team.
Can we move from our current SACCO system?
Data migration can be planned as part of implementation. We review your existing member, loan and account records, map them into the new system, and agree on reconciliation and cutover checks.
Can it support multiple branches and staff roles?
The proposed platform supports branch-aware processes, role-based access and approval responsibilities. Exact permissions and reporting boundaries are configured during onboarding.
How do M-Pesa, banks and USSD connect?
Connections are implemented using supported APIs or gateways. Availability, onboarding and commercial terms depend on the relevant provider and the institution’s requirements.
Can we configure our own savings and loan products?
Yes. Product setup can include savings and share rules, interest, fees, guarantor requirements, approval stages and repayment structures, subject to the configured product capabilities.
Is the sample interface connected to a real account?
No. The dashboards, member records and repayment calculator on this page use fictional demonstration data only.
Let’s talk about your institution
Ready for a more connected SACCO?
Tell us how your team works today. We’ll show you the relevant workflows, discuss integrations and outline a practical implementation approach.
No obligation. A conversation about what you need.
Guides for buyers
All guides-
How to choose SACCO software in Kenya
How to choose SACCO management software in Kenya: what it must cover, M-Pesa and loan checks, reports for the regulator, cost questions and red flags.