For SACCOs
SACCO management software built for Kenyan SACCOs
ChamaCore brings member records, savings, shares, loans, M-Pesa payments, accounting and reporting into one system, so your team spends less time reconciling and more time serving members.
The problems we solve
Ledgers and spreadsheets that drift apart
Separate files for members, loans and cash make it hard to trust any single number. ChamaCore keeps one set of records that every module reads from.
Slow M-Pesa reconciliation
Matching Paybill statements to member accounts by hand takes days. Payments are matched to accounts as they arrive.
Loan approvals without a trail
Guarantor sign-offs and approvals scattered across chats are hard to defend. Every step is recorded against the loan.
Report preparation pressure
Quarter-end means rebuilding figures from scratch. Reports are generated from your ledger so you review rather than rebuild.
What you get
Members and KYC workflows
Digital registration, next of kin, documents, identity verification and AML screening support, with an audit trail.
Savings, shares and dividends
Savings products, a share register with transfers and certificates, and dividend runs.
Loan engine
Multiple loan products, guarantors, schedules, penalties, arrears and collections, and restructuring workflows.
M-Pesa payments
STK Push, C2B Paybill and Till collections, and B2C payouts through Safaricom Daraja.
Accounting and period close
Chart of accounts, journals with maker-checker approval, bank reconciliation, budgets and period close.
SASRA and CBK format reports
Reports generated from your ledger data to help you prepare submissions. You review and file them yourself.
Branches and tellers
Multi-branch operation with teller tills, cash movements and daily reconciliation.
Governance and oversight
Board, committees, AGM and voting, plus audit plans, findings and corrective actions.
USSD and member portal
Members check balances and statements on a mobile-friendly portal, and on USSD where enabled.
How it works
Register your SACCO
Choose the SACCO plan and set up your organisation and administrators.
Connect payments and load members
Link your Safaricom credentials, define products, and bring in your member list.
Run day to day
Post transactions, approve loans, reconcile, and generate reports from the same records.
Plans
Prices are per month and billed annually (20% less than twelve monthly payments).
SACCO Max
KES 14,400 / month, billed annually
- Up to 5,000 members
- 30 staff accounts
- 10 branches
Frequently asked questions
Does ChamaCore file returns with SASRA or CBK for us?+
No. ChamaCore generates reports in the formats those returns use, from your ledger data, to help you prepare them. You review the figures and submit them yourself.
Can we run several branches?+
Yes. The SACCO plan supports multiple branches, with teller tills and cash reconciliation per branch.
Do members need smartphones?+
No. Members can use the mobile-friendly member portal, and USSD where it is enabled for your SACCO.
How is member data protected?+
Access is role-based, actions are audited, your data is kept separate from other organisations, and integration credentials are stored encrypted.
Is ChamaCore a regulated financial institution?+
ChamaCore is software, not a bank, SACCO or regulator. Your organisation stays responsible for its own licensing, regulatory filings and record accuracy.
See ChamaCore with your own group in mind
Tell us about your group and we will show you the parts that matter to you.