Sector
Member systems and reconciliation for SACCOs
Member portals, statements, loan flows and M-Pesa reconciliation, built so the numbers your auditor sees are the numbers the system produced.
Procurement status
30% of national procurement spend is reserved for youth, women and PWD-owned enterprises under AGPO.
What usually goes wrong
Collecting the money was never the hard part.
Matching a payment to the right member, the right loan and the right month is what takes somebody three days a week. These are the four we are called in to fix.
M-Pesa payments matched by hand
A paybill statement in one window, a member register in another, and somebody reconciling them line by line every Friday afternoon.
Members phone the office for a balance
Every statement request is a call, and the answer depends on who picks up and which spreadsheet they happen to open.
Member data in a shared spreadsheet
ID numbers and phone numbers in a file several people can open, copy and email. That is a breach waiting for a reason.
The loan book lives in one person’s head
Arrears, rescheduling and write-offs applied by judgement rather than by rule, with no record of who decided what.
What we build for this sector
Systems your auditor will accept.
Member portals
Balances, statements and requests on the phone the member already owns, without calling the office.
M-Pesa reconciliation
Payments matched to members and loans automatically, with the exceptions queued for a human rather than quietly lost.
Loan management
Applications, approval, disbursement, repayment and arrears, with the rules applied by the system rather than remembered.
Statements on demand
Generated from the ledger, not assembled by hand, and identical every time they are produced.
Audit trails
Who did what, when, and on whose authority, available to your auditor without a developer in the room.
Data protection implementation
Lawful basis, access control and retention for member data, documented for your board.
What we commit to
Published before you contract us.
These are in our standard terms, not negotiated per project. If we miss them, you have something to point at.
- Page load on mobile dataunder 2.5s
- AccessibilityWCAG 2.2 AA
- Uptime on supported systems99.5%
- Response to a reported fault4 working hours
- Data residencyStated per project
- Source code & hosting ownershipYours