From member registration to annual financial reports — YoSACCO covers the full lifecycle of your cooperative.
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Member Management
Register members with roles, track share capital, monthly contributions, and full savings history. Assign Credit Officers, Treasurers, and Chairpersons.
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Savings & Deposits
Post contributions, track balances, and manage online deposit intents via MTN MoMo, Airtel Money, Visa, or Bank Transfer. Receipts emailed automatically.
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Loan Management
New loans, top-ups, and emergency loans with a 3-stage approval pipeline. Members track live progress. Rejections require a reason visible to the applicant.
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Financial Reports
Generate monthly, quarterly, and annual reports for savings, loans, interest distribution, expenditure, projects, assets, and a full summary balance sheet.
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Projects & Assets
Manage unit trusts, property, and equipment projects. Track member contributions. Maintain a full asset register with depreciation tracking.
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Income & Expenditure
Record all SACCO outflows by category. View net balance against total income. Printable expenditure ledger for audit and compliance.
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Interest Distribution
Configure interest distribution by share capital only, savings only, or both combined. System calculates each member's share automatically.
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Invoicing
YoSACCO platform sends monthly or annual subscription invoices to each SACCO group. Admins can view, pay, and print individual invoice documents.
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Print Everything
Print savings ledgers, individual member statements, loan registers, invoices, receipts, asset registers, and full financial reports — all formatted for paper.