Powerful Features for SACCO Management
Everything you need to manage loans, deposits, members, and compliance in one secure platform
Loans Management
Automate your entire loan lifecycle with East Africa-specific features
Loan Products
Create customized loan products with flexible terms, interest rates, and repayment schedules (7-day, 30-day, etc.)
- Define multiple loan types (emergency, development, etc.)
- Set interest calculation methods (flat, reducing balance)
Repayment Scheduling
Automated repayment schedules with SMS reminders and penalty calculations
- Automatic generation of 7-day and 30-day repayment schedules
- Configurable late payment penalties and reminders
Duplum Rule Compliance
Automatic enforcement of Kenya's duplum rule for interest capping
- Automatic interest capping at principal amount
- Visual indicators when loans approach duplum limit
Loan Disbursement
Streamlined approval workflows and disbursement tracking
- Multi-level approval workflows
- Integration with M-Pesa for instant disbursements
Guarantor Management
Track and manage loan guarantors with automated notifications
- Guarantor liability tracking
- Automated SMS alerts to guarantors
Loan Restructuring
Flexible options for loan rescheduling and refinancing
- Principal top-ups and term extensions
- Interest rate adjustments with audit trail
Deposits & Savings
Comprehensive tools for managing member savings and contributions
Multiple Savings Products
Create various savings accounts with different interest rates
- Regular savings accounts
- Fixed deposit accounts
- Target-based savings (harambee)
Accounting & Financials
Complete accounting system with automated journal entries
General Ledger
Automated double-entry bookkeeping with real-time balances
- Chart of accounts management
- Automatic journal entries for transactions
Member Portal
Self-service portal for members to manage their accounts
Member Dashboard
Self-Service Features
Compliance & Security
Stay compliant with regulations and protect member data
Data Protection
GDPR & Kenya Data Protection
Full compliance with data protection regulations including consent management
Audit Trails
Detailed logs of all system activities with user attribution
Security Features
Bank-Grade Encryption
AES-256 encryption for data at rest and in transit
Role-Based Access Control
Granular permissions for different user roles
Ready to streamline your SACCO operations?
Join hundreds of SACCOs using Azina365 to automate their processes