Ultimate Sacco Management

Ultimate Sacco Management System

A Banking software that handles banking transactions deposits, withdrawals, loans, and many other records for Microfinance (MFIs), Village Banks, Small scale Microfinance Institutions (MFIs), Savings and Credit Co-Operatives (SACCOS) of any size.


It comprises of eleven key modules (Savings, Loans, Chart of accounts, Expenses, Fixed Assets Registry, SMS Banking, Receivables, Investments, Payables and Income) which make the management and tracking of savings and loans easy plus other complementary modules that make Savings Plus even more useful and easy to use.

Ultimate Sacco System helps you with registration of new members maintaining basic customer information such as name, age, and gender and maintaining details of both new and existing member’s..


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Members Registration

Ultimate Sacco helps you with registration of new members maintaining basic customer information such as name, age, and gender and maintaining details of both new and existing member’s


This comes with an integrated document management system that allows attachment of scanned copies of IDs, photos and other required membership documents.

The system also allows ‘corporate membership’ where companies or groups can be registered under a group/employer name and the members will be identified under that group name.


Loan Application

The loan application procedures come with different levels of login for creating approving the application he application, approving the application and disbursing funds of approved loans


When set up, the applications will be based on the existing loan products which can be set up with different terms of interest and durations as desired.

It enables viewing of pending, deferred, rejected and approved loans and allows notes for the actions taken. This module also enables tracking of approved loans pending disbursement, so you can analyze your liquidity and avoid committing beyond your available funds/receipts.


Integrated Accounting

Income from interests, penalties and other sources are automatically computed based on the terms of the loan product and lapsed durations, thus eliminating the need to manually compute and post these occurrences.


The supplier’s module enables management of the SACCOs expenses like stationery office rent & bills, thus allowing the generation of comprehensive Income & Expense Statements and Balance sheet. .

Since tracking of funds into and out of bank is also a major component, the system Provides capabilities to generate bank statements and to perform bank Reconciliations or individual or multiple bank accounts.


MCash Receipts

This being the most used module, it is a simple, yet comprehensive window for receiving all categories of payments from members, including savings, Purchase of shares, loans and penalties payments and allows split of a single payment/cheque into these various categories of payments.


A bank deposits module allows the banking of office receipts to the desired accounts. You can also import bulk payments, say from employers, who send payment instructions on behalf of their employees if you receive these in an Excel format.

The system also provides of options for payments modes and payments received in office pending banking and those that are banked directly by members.