Run your SACCO like a commercial bank
SaccoSphere unifies member management, savings, credit, shares and double-entry accounting into one auditable platform — so your team stops reconciling spreadsheets and starts making decisions.
- Multi-tenant isolated
- Maker-checker approvals
- Audit-ready by design
- Works on any device
Connects to the channels your members already use
Integrated modules
Members, savings, credit, shares, accounting, payments, workflow, communications and reporting — all in one system.
Double-entry ledger
Every member transaction, fee and interest posting flows into a single balanced general ledger.
Auditable activity
Maker-checker approvals, immutable audit trails and staff attribution on every action.
Automated operations
Interest accrual, savings cycles, repayment reminders and reconciliation run without manual effort.
One platform. Every cooperative function.
Most cooperatives stitch together a spreadsheet, a bookkeeping package and a messaging tool. SaccoSphere replaces all of them with one system where the data is shared, the ledger balances and nothing has to be re-keyed.
Member Management
A single, accurate register for every member you serve.
Savings & Schemes
Flexible savings products with automatic interest and clean ledgers.
Loans & Credit
From application to recovery, with every rule enforced in the system.
Shares & Dividends
Track share capital accurately and distribute dividends fairly.
Accounting & Ledger
A true double-entry ledger underneath every member transaction.
Payments & Wallet
Collect repayments and deposits automatically, then reconcile them automatically.
Workflow & Automation
Your rules, enforced consistently by the system instead of by memory.
Communications
One place to inform, remind and collect — by SMS, email or in-app.
Reports & Analytics
Board-ready analytics drawn live from your operational data.
Governance & Control
Multi-branch control, granular permissions and your own brand.
Know every member, down to the last document
Stop chasing member information across spreadsheets, paper files and WhatsApp. SaccoSphere keeps one authoritative register with KYC status, membership categories, groups, beneficiaries and a full change history — so any officer can answer any member question on the spot.
- A single register with KYC verification workflow
- Member groups, welfare pools and village cohorts
- Beneficiaries and next-of-kin recorded for payouts
- Self-service invitations for member onboarding
Savings that accrue, mature and settle themselves
Configure the products your cooperative actually sells — BOSA and FOSA style accounts, fixed-term deposits and cycle-based group savings. Interest is calculated, posted and reconciled automatically, and every deposit or withdrawal writes a balanced accounting entry as it happens.
- Configurable rates, minimums and notice periods
- Automatic interest accrual and scheduled posting
- Over-the-counter deposits with printed receipts
- Cycle and maturity settlement without manual journals
Credit decisions your board can defend
Loan products, eligibility rules, appraisal scoring, guarantee limits, collateral and repayment schedules live in one workflow. Approvals follow your lending policy automatically, and every decision carries a reason, a timestamp and a named approver.
- Product rules, fees, penalties and grace periods
- Structured appraisal with eligibility checking
- Guarantor exposure tracked against savings
- Collateral register with release and liquidation
Underneath it all: a real double-entry ledger
A cooperative platform is an accounting system, or it is a liability. Every deposit, withdrawal, loan, fee, interest posting and expense in SaccoSphere generates balanced debits and credits in a general ledger your auditor can trace end to end.
A loan, end to end — without a single manual journal
SaccoSphere enforces your lending policy at every step and posts the accounting behind the scenes. Staff follow the process; the system guarantees the rules.
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Day 0
Application captured
A loan officer records the application with the requested amount, product, term and purpose.
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Day 0
Eligibility checked
Savings history, existing exposure, guarantor capacity and product limits are checked automatically.
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Day 1
Guarantors secured
Guarantors are nominated, notified and their available guarantee capacity reserved.
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Day 1
Approval routed
The maker-checker engine routes the application to the right approver for its value and risk band.
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Day 2
Disbursed & posted
Disbursement is recorded and the ledger entries, repayment schedule and member notification are generated together.
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Ongoing
Repaid & reconciled
Instalments collected via mobile money or cash are matched automatically and arrears flagged early.
Comfortable in the branch, the boardroom and the back office
Bright for daylight counters, dark for long reconciliation evenings — every screen ships in both themes, plus a responsive layout that works on the phone in a teller's hand.
Light mode
Dark mode
Built for every seat at the table
A SACCO is a financial institution run by a committee, a manager and a small team. Each of them gets exactly the view they need — and nothing they should not see.
Board & Committee
Board packs assembled by hand, figures that cannot be traced back to source.
Live analytics, auditable statements and dividend distribution you can defend at the AGM.
Chief Executive / Manager
No single view of savings, loan book, arrears and liquidity across branches.
One executive cockpit with branch scoping and drill-down to the underlying transactions.
Loan Officer
Appraisals done on paper, guarantee exposure tracked by memory.
Structured appraisal, automatic eligibility checks and live guarantor exposure.
Cashier / Teller
Manual deposit slips and slow end-of-day balancing.
Over-the-counter transactions posted straight to a balanced ledger with printed receipts.
Accountant & Auditor
Reconciling mobile money to the books line by line.
Automated reconciliation, period locking and a full immutable audit trail.
Member
Queueing at the branch to check a balance or request a statement.
A self-service portal with balances, statements, loan progress and instant receipts.
Give every member a portal, not a queue
Members sign in from any phone or computer to see exactly the same balances, statements and loan positions your staff see — updated the moment a transaction posts. Fewer branch visits, fewer phone calls, and a member base that trusts the numbers because they can check them.
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Live balances and a digital passbook
Savings, shares, loan outstanding and wallet float in one place, with a downloadable statement for any period.
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Self-service loan requests
Members apply, track appraisal progress and view the repayment schedule without chasing an officer.
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Instant receipts and alerts
Every deposit, repayment and deduction is confirmed by in-app notification, SMS or email, attributed to the staff member who posted it.
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Share capital and dividends
Members see their shareholding, compulsory quota progress and declared dividends as they are posted.
24/7
Balance and statement access
0
Queues to check a balance
100%
Transactions attributed
Your members' money deserves more than good intentions
Cooperative finance runs on trust. SaccoSphere enforces strict tenant isolation, granular permissions, maker-checker approvals and an immutable audit trail — by default, not as an add-on.
Strict Tenant Isolation
Every record is scoped to a single organisation. One cooperative can never reach another's members, transactions or reports — isolation is enforced at the query level, not left to the interface.
Authentication & Two-Factor
Strong password policy, optional two-factor verification on login, session visibility and remote sign-out for staff accounts.
Granular Role Permissions
Roles are composed from explicit capabilities. A cashier records, an approver approves — and the interface only offers what a role is entitled to do.
Maker-Checker on Money Movement
Sensitive financial actions require a second authorised person. Initiator and approver are always different, and both are recorded.
Priced for cooperatives, not enterprises
Start where you are and move up as you grow. Every plan includes the full member, savings, credit, share and accounting core — the difference is scale, automation and advanced reporting.
Starter
Essential tools for emerging cooperatives.
UGX 150,000
per month, billed monthly
- 500 members
- 1 branch
- 5 staff accounts
- 500 SMS credits per month
Pro
Full-featured cooperative management for growing SACCOs.
UGX 350,000
per month, billed monthly
- 5,000 members
- 10 branches
- 25 staff accounts
- 5,000 SMS credits per month
Enterprise
Unlimited scale for large federations and apex SACCOs.
UGX 850,000
per month, billed monthly
- Unlimited members
- Unlimited branches
- Unlimited staff accounts
- 20,000 SMS credits per month
All prices shown in UGX, excluding applicable taxes. Volume and multi-branch pricing available on request.
Questions boards ask us first
If your question is not here, ask us directly — we would rather answer it honestly than have you guess.
Yes. SaccoSphere is built on a genuine double-entry general ledger. Member savings, loans, shares, fees, interest and expenses all post balanced journalled entries, so the platform produces your financial statements rather than exporting to a separate bookkeeping tool.
Yes. Branches are first-class in SaccoSphere. Staff can be scoped to a branch, registers and cash tills are branch-aware, and management can view either a single branch or a consolidated position across the whole cooperative.
Members can pay deposits and loan repayments through mobile money and bank channels. The platform ingests provider callbacks and automatically matches each payment to the correct member, savings account and loan instalment, queueing only genuine exceptions for staff review.
Yes — this is the maker-checker engine. You define which actions need approval, at what value thresholds, and which roles may approve them. The person who recorded a transaction cannot approve it, and every decision is stamped with a reason, time and approver.
Yes. Each organisation can apply its own logo and colours and choose the languages offered to staff and members, so the portal reads as your cooperative rather than a third-party system.
During implementation we migrate your member register and opening balances from your current spreadsheets. Balances are agreed and signed off before go-live so the new ledger starts from a defensible position.
Still deciding? Talk to our team
Ready to see SaccoSphere running your cooperative?
Book a guided walkthrough with a product specialist. We will map the platform to your products, branches and reporting obligations — no obligation, no slideware.
- No obligation
- Mapped to your products
- Honest fit assessment