🏦 SACCO Management Solution

Empower Your
Savings Cooperative

Complete digital solution for Savings and Credit Cooperatives. Manage members, savings, loans, and dividends with our powerful, secure platform.

100+
SACCOs
$25M+
Loans Processed
50K+
Members
Key Features

Complete SACCO Management

Everything your cooperative needs to grow and serve members better.

👥

Member Management

Register and manage member profiles, track contributions, and maintain complete member history.

💰

Savings Accounts

Manage multiple savings products with flexible interest calculations and automated processing.

📋

Loan Management

Process loan applications, manage disbursements, track repayments, and handle loan recovery.

📊

Share Management

Track share capital, manage share purchases and transfers, calculate dividends automatically.

📱

Mobile Banking

Members can check balances, make deposits, apply for loans, and receive notifications on mobile.

📈

Financial Reports

Generate comprehensive financial statements, regulatory reports, and member statements.

🧩 System Modules

Comprehensive SACCO Modules

👤

Member Services

Member registration
KYC compliance
Account management
Member statements
Beneficiary management
Member portal
💵

Savings Products

Regular savings
Fixed deposits
Target savings
Interest calculation
Withdrawal processing
Standing orders
📋

Loan Products

Loan application
Credit scoring
Loan approval workflow
Disbursement
Repayment tracking
Guarantor management
📊

Accounting

General ledger
Trial balance
Income statement
Balance sheet
Cash flow
Audit trail
📈

Shares & Dividends

Share purchase
Share transfer
Dividend calculation
Dividend distribution
Share certificates
AGM management
📱

Digital Channels

Mobile app
USSD banking
SMS notifications
M-Pesa integration
Online portal
WhatsApp alerts
💳 Loan Products

Flexible Loan Management

Configure multiple loan products with different terms, interest rates, and eligibility criteria. Automate the entire loan lifecycle from application to repayment.

🏠

Development Loans

For housing and property development

🚗

Asset Finance

For vehicles and equipment purchase

💼

Business Loans

For small business and entrepreneurs

🎓

Education Loans

For school fees and training

Loan Calculator

Estimate your monthly repayment

Monthly Payment
MZN 4,707
🖥️ Dashboard Preview

SACCO Management Dashboard

🏦

SACCO Overview

Total Members
2,450
Total Savings
MZN 45.2M
Active Loans
387
Loan Portfolio
MZN 28.5M
Member Name Savings Shares Loan Balance Status
AM
António Machel
MZN 125,450 MZN 40,000 MZN 0 Active
FC
Fátima Chissano
MZN 89,200 MZN 25,000 MZN 45,000 Active
JN
João Nunes
MZN 56,800 MZN 15,000 MZN 75,000 Pending
🎯 Benefits

Grow Your SACCO

50%
Operational Cost Reduction
3x
Faster Loan Processing
99%
Transaction Accuracy

Ready to Transform Your SACCO?

Join leading cooperatives using DigiTech MZ to serve members better and grow sustainably.