SACCOs & Chamas16 October 2026 7 min read

SACCO Management Software in Kenya: Features, Costs and How to Choose

SACCO software tracks member shares and deposits, loans, guarantors, dividends and M-Pesa contributions. Here's the feature checklist, how pricing works, and the warning signs we saw while rebuilding one SACCO's 12 years of records.

We once rebuilt 12 years of a SACCO's unreconciled records into a single forensic report, because the books had lived in exercise books, spreadsheets and memory. Good SACCO management software exists to make sure that never has to happen.

Features every SACCO system needs

Member register with KYC, nominees and share capital
Deposits and savings (BOSA), plus FOSA accounts for SACCOs that offer them
Loans: products, appraisal, guarantors, repayment schedules, arrears and penalties
M-Pesa integration so contributions and repayments post to the right member automatically
Dividends and interest on deposits calculated at year end
Statements members can request by SMS or a portal
Audit trail: who changed what, and when
Reports for the committee, the AGM and, for deposit-taking SACCOs, SASRA

How SACCO software is priced

Packaged SACCO systems are usually charged per member or as a licence with yearly support. Custom systems are priced on scope: our custom systems start from KSh 120,000. The bigger decision isn't price. It's whether the vendor will still be supporting you in five years, and whether you can export your data if not.

Matatu SACCOs have different needs

Transport SACCOs track vehicles, daily remittances, route levies and driver records as well as member savings. Make sure any system you consider has a vehicle and remittance module, or can be customised to add one.