Manage Your SACCO with Confidence.
SACCOS Mfumo brings member onboarding, KYC, savings, shares, loan approvals, repayments, accounting, and audit-ready reporting into one secure platform — built for SACCOs in Tanzania.
Portfolio Overview
Active Members
5,247
↑ 12% this month
Loan Volume
2.4B
TZS disbursed
PAR (30d)
3.2%
Within target
Collections Trend
▲ On track
- Registered members
- 5,000+ Across all branches
- Loan disbursements
- TZS 2.4B Total active portfolio
- Platform uptime
- 99.9% SLA-backed reliability
- Supported branches
- 42 Configurable per SACCO
Everything your SACCO needs to operate at scale.
One platform, six core product areas — designed for cooperative finance teams across Tanzania.
Members & KYC
Unified profiles with KYC document capture, verification workflow, next-of-kin, and branch assignment.
Savings Accounts
Product-level savings balances, deposit history, compulsory savings, and real-time account reporting.
Share Capital
Share purchase records, accumulation tracking, and member equity position by product.
Loan Lifecycle
Applications, guarantor approvals, disbursement, schedule generation, repayments, penalties, and closure.
Mobile Payments
AzamPay and Selcom integrations with webhook callbacks, reconciliation visibility, and retry support.
Finance & Reports
Double-entry posting, trial balance, loan aging, member statements, and Excel/PDF exports.
Up and running in three steps.
From first login to full cooperative operations in the shortest time possible.
Configure your SACCO
Set up branches, loan products, savings products, payment providers, and notification templates from the admin panel.
Onboard your members
Capture member profiles, upload KYC documents, assign branches, and complete the digital verification workflow — traceably.
Manage daily operations
Process loan applications, record repayments, monitor collections, generate reports, and track portfolio performance live.
Built with audit trails from the ground up.
Every action is traceable. Loan status histories, KYC verification records, payment webhook captures, and user activity logs give your auditors and management full visibility.
- ✓ Role-based permissions — credit officers, accountants, auditors, and leaders see only what they need.
- ✓ Two-factor authentication enforcement for privileged operational roles.
- ✓ Loan status histories and KYC review trails captured automatically.
- ✓ Payment webhook payloads stored with retry support for full reconciliation.
Role-Based Access
Granular permissions down to individual model actions.
2FA Enforcement
Two-factor challenge required for privileged roles.
Audit Observer
Automatic activity logging across core business models.
Webhook Capture
Payment callbacks stored and retried for reconciliation.
Collect repayments via mobile money — automatically.
Members repay loans and deposit savings directly from their phones. Callbacks are captured, reconciled, and visible in the admin dashboard in real time.
Ready to digitize your SACCO operations?
Sign in to the member portal or reach out to get your cooperative onboarded today.