Comrades SACCO member platform
- Client
- Kireka Community Comrades Co-operative Savings and Credit Society Limited
- Sector
- Fintech
- Services
- SACCO and microfinance systems, Member portal, Loan engine, Web design
Challenge
A member-owned SACCO in Kireka, Wakiso needed one place to run joining, savings, shares and loans, with a record every member could trust. [Add client-confirmed background]
Solution
We built a member portal and back-office system: online joining, savings and share products, a loan calculator that uses the same reducing-balance maths as the loan engine, guarantor acceptance in the portal, and a double-entry ledger where posted entries are never edited, only reversed.
Highlights
- Four-step online joining, with receipts, statements and login sent by email
- Loan calculator on the public site using the real reducing-balance method
- Loan products: Development, Emergency, School Fees, Business, Rescue
- Long-term, target and holiday savings products
- Guarantors accept requests inside the portal
- Double-entry ledger with recorded reversals instead of edits
- Separate member and staff/admin sign-in
- Payment details for bank, MTN and Airtel
Staff console
Screens from the live system. Member names, phone numbers and ID numbers are masked.
Executive dashboard
Assets, savings, loan portfolio and cash, every figure derived live from the ledger.
Members
Membership applications, KYC status and the register. Personal details masked.
Loans
FIFO application pipeline, committee stage and the active loan book. Names masked.
Receive Money
One amount allocated across savings, shares and loans, posted as a single balanced journal.
Accounting
General ledger, month-end close and a trial balance that must balance.
Balance sheet
Assets against liabilities and equity, with the statutory reserve check.
Member portal
Screens from the live system. The member’s name and number are masked.
Member dashboard
Savings, shares, borrowing limits, savings goal and loan eligibility at a glance.
Savings & shares
Each savings product, share capital and a 12-month growth chart.
Loans
Eligibility, applications and a loan model before applying.
Pay
Savings, shares and repayments in one MTN Mobile Money payment.
Statements
Account statement with CSV and PDF download. Name and member number masked.
On a phone
The member portal works like an app, with a bottom bar of shortcuts. Real screens, personal details masked.
What the system covers
Member portal
- Dashboard with savings, shares, loans and borrowing limits
- Deposit / Pay (Equity Bank, MTN Mobile Money, Airtel Money)
- Savings and shares, with approval for share transfers
- Loan modelling, applications and repayment
- Statements and numbered receipts as PDFs
- Guarantor requests
- Profile, notifications, password and sign-in security
Teller and registry
- Receive Money with split deposits and gap-free receipts
- Member registration and KYC
- Share certificates and annual subscriptions
Loans
- Applications, appraisal and insurance records
- Credit Committee vote (two approvers)
- Disbursement, amortisation schedules and agreements
- Recovery, demand letters and write-offs
Accounting and reporting
- Double-entry ledger, journals, cash and bank books
- Bank reconciliation, cheques, EFT and petty cash
- Income and expenses, budgets and variance
- Balance sheet, income statement, cash flow, trial balance, PAR
- Month-end and year-end close
- Dividends and interest distribution studio
Governance and administration
- Eight roles with segregation of duties
- Committees, meetings and resolutions
- Append-only audit trail
- Procurement and investments
- Settings, bulk import, backups and email/SMS
- Mandatory two-factor sign-in for staff
Result
Figures to be confirmed with the client.
- [X] members onboarded
- [X]% faster loan processing
- [X] hours saved per week
Public site
Public pages of the live system.
Tech stack
- Next.js
- Web app (PWA manifest)
- [Database]
- [Hosting]