Configure contribution products, maintain share capital, receipt every deposit and give members a clear view of what they have built.
Umoja SACCO · June 2026
Collected this month
KES 8.4M
By product
Monthly savings
94% of target
KES 4.6M
Share capital
21 purchases
KES 1.8M
Education fund
88% of target
KES 1.2M
Holiday savings
76% of target
KES 0.8M
Built for the full flow of member money
Set minimums, frequencies, penalties and eligibility rules for every savings or contribution product — monthly savings, school fees funds, holiday products and anything your bylaws define.
Purchases, transfers, balances and member ownership tracked with the approvals your bylaws require.
A clear receipt the moment funds are allocated — whether they arrive at the office, the bank or M-Pesa.
Collection performance, missed obligations and trends surface while there is still time to act — not as month-end surprises. Arrears follow-ups start from a list that is already accurate.
One accountable path
Every shilling should arrive with a purpose, a member, a receipt and a clear place in the books.
Configure the product once — amount, frequency, member segment, penalties and accounting treatment.
Post incoming funds to the right member and purpose with the source reference preserved.
The member and the books see the same updated balance the moment the allocation lands.
Targets, arrears, share movements and member value tracked from one live operational view.
92%
of monthly contribution targets visible in real time
<1 min
from allocation to a member-ready receipt
1:1
link between every contribution and its source payment
Ready when your SACCO is
Book a 30-minute walkthrough tailored to the products, approval paths and reporting needs of your SACCO.
Request a demo