For SACCOs, FSAs, chamas and microfinance

Core banking for member-owned finance.

ZidiPamoja runs members, savings, loans, teller cash, M-Pesa reconciliation, accounting and governance on one platform, with supervisory visibility for the head offices that oversee many institutions. Built for mobile-money-first markets.

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Maker-checker on every money movement

M-Pesa and bank reconciliation built in

Cloud, or hybrid where the network is weak

Financial health

Example FSA · illustrative figures

Today

Cash available

KES 4.2M

Loan portfolio

KES 38.6M

PAR 30

4.8%

Active members

12,480

Savings growth, last 8 months

Work queue

Loan disbursement · KES 250,000

Entered by the maker, waiting for the checker

Pending

Paybill batch · 312 matched

Auto-matched to member savings

4 to review

Teller end of day · Branch 02

Drawer counted and confirmed

Balanced

M-Pesa paybill · KES 1,500

Credited to savings by member number

Connects to the rails you already use

M-Pesa paybill
Airtel Money
Bank statements
USSD
SMS & email
IPRS & CRB checks
Open API
Accounting & GL

Why ZidiPamoja

Community finance runs on cash, phones and trust. The software should keep up.

Generic core banking ignores how SACCOs and FSAs really work, and simple SACCO systems stop at members and loans. The gaps show up as leakage, delays and blind spots.

Mobile money that never reconciles

Paybill deposits arrive with the wrong reference and someone matches them by hand at month end, while members wait for their balance to move.

Group collections on paper

Contributions from group meetings travel as cash and notebooks, so nobody can say which member paid until a clerk posts them days later.

Approvals that stall

Loans, expenses and corrections wait for a signature, and nobody can see where they are stuck or who touched them.

Head office flying blind

Supervisors wait for monthly reports instead of seeing each branch or FSA’s cash, portfolio at risk and exceptions as they happen.

Platform

Every module a SACCO or FSA runs on

One platform from the teller desk to the board room: a double-entry core ledger, with the workflows, controls and channels a SACCO runs on built around it.

Banking Operations

The daily operating core: every money-moving action has role-based access, an audit trail and maker-checker where you configure it.

Core

Members

Individual, group and business onboarding with KYC, duplicate checks, shares, dormancy and blocking.

Group Banking

Groups and chamas with officials, meetings, collection sheets, repayment codes, welfare and group defaulters.

CRM

Complaints, tickets, surveys and SMS or email campaigns, logged against the member or group.

Teller

Counter deposits, withdrawals and repayments with receipts, drawer balancing and end-of-day cash.

Clearing House

M-Pesa, paybill, bank and inter-FSA reconciliation with auto-matching and an exceptions queue.

Finance

Chart of accounts, automated journals, budgets, petty cash, procurement, assets and payroll postings.

Debt Management

PAR by group, officer and branch, a defaulter queue, collection sheets, restructuring and write-off.

Treasury

Cash vault, teller float, branch liquidity and approved cash movements between teller and treasury.

Governance

A committee portal with each FSA’s financial health, board packs, budget approvals and policy exceptions.

Board packs

Budget approvals

Policy exceptions

PAYGO Lending

Asset finance and instant loans sold at group meetings, with a rule engine and mobile-money disbursement.

Asset catalogue

Instant loans

Credit scoring

Administrative

Staff, branches, leave, appraisals, payroll and payslips, plus training material and a sandbox.

Payroll

Branches

ESG & Impact Intelligence

Outreach by gender, geography and group, savings mobilisation and inclusion metrics for funders.

Inclusion metrics

Outreach

Impact dashboard

Reports & BI

A standard catalogue from trial balance to PAR and SASRA returns, plus BI dashboards. Export to PDF and Excel.

Standard reports

Business intelligence

Scheduled email

System Administration

Products, charges, limits, calendars and integrations, with roles, approval levels and maker-checker rules.

Configuration

Permissions

Workflows

Solutions

Built for every kind of member-based institution

Run a single SACCO, a network of FSAs under one head office, or the chamas inside them. Each institution stays isolated; supervisors see across them with permission.

SACCOs

Member-owned cooperatives that need share capital, savings, guaranteed loans, dividends and rebates, committees and SASRA-style returns.

Financial Services Associations

Rural community banks with field officers, group meetings, mobile money and a head office that needs reliable reports from every FSA.

Chamas and savings groups

Contributions, welfare, group loans and decisions, with a simple group treasury that every member can see.

Microfinance lenders

Credit-led institutions that live on field collections, arrears follow-up, credit scoring and portfolio analytics.

Group lending organisations

Groups, centres and chairs, solidarity lending, collection sheets, unique group repayment codes and defaulter alerts.

Supervisory head offices

Organisations such as KFS that oversee many FSAs: cross-institution dashboards, exception flags, audit logs and report retrieval.

A workspace for every role

Teller, accountant, manager and supervisor work differently, so each gets a workspace built around their queue instead of one flat menu.

Teller

Teller work is repetitive, high volume and cash-risk sensitive, so it gets one screen.

Day to day

Cash deposits and withdrawals
Loan repayments and disbursement posting
Paybill reconciliation
Drawer open, close and end-of-day cash

What ZidiPamoja gives them

Drawer status and running cash balance
Member lookup and receipt preview
Pending group meeting codes
An end-of-day checklist

Mobile & field banking

Mobile money is the rail, not an add-on

Members bank from a basic phone or the app; officers collect at group meetings; every shilling lands on the right account and the right ledger line.

USSD

Mobile app

Web self-service

SMS alerts

Members can

Check savings, loan and share balances
Deposit to savings and repay loans
Withdraw to their own number or another
Apply for a loan and track its progress
Start a share transfer
Get alerts for approvals, meetings, AGMs and dividends

9:41

Habari,

Amani

Savings balance

KES 24,560

10,000

Loan due

2,000 · 3 Nov

Deposit

Withdraw

Repay

Borrow

Recent activity

M-Pesa deposit

Today, 08:14

+1,500

Group contribution

Thu, meeting code 4821

+500

Loan repayment

Mon, confirmed by SMS

−2,000

Paybill straight to savings

Members pay with their ID, phone, member number or group code. Deposits are auto-matched; duplicates and unmatched items go to an exceptions queue.

Limits you set

Mobile withdrawals default to KES 5,000 and the FSA manager can change that. Mobile float is managed with accountant and manager approval.

Group meeting codes

Every group meeting gets a unique code that ties field collections to teller and mobile postings, so group deposits reconcile without guesswork.

Alerts that respect privacy

A repayment SMS confirms the money reached the FSA without printing the loan balance on the member’s phone.

Security & controls

Controls a regulator and a board can trust

Every action that moves money or changes risk carries role-based access, an audit trail and maker-checker where you configure it.

99.5%

Uptime target

< 2 s

Transaction processing target, at peak

Hourly

Backups, plus daily, weekly and off-site

Full

Audit trail for every user transaction

Maker-checker

Two people for onboarding, KYC changes, loan approval, expenses, payroll, write-offs, corrections and configuration.

Approval levels

Role-based access, with approval limits by amount, product, branch and risk.

Two-factor sign-in

Second-factor authentication and password policies for every staff account.

Encrypted end to end

Data is encrypted at rest and in transit, with privacy and data-protection controls.

Policy exception flags

Rule breaches are flagged as they happen and land in exception reports for managers.

Isolated institutions

Each institution keeps its own database. Head-office access is explicit, permissioned and logged.

A proven ledger

A proven double-entry core banking ledger keeps the books.

Cloud or hybrid

Cloud by default; a hybrid, offline-tolerant option for FSAs with unreliable internet.

Disaster recovery

Scheduled hourly, daily or weekly backups with off-site copies and a recovery plan.

Roadmap

Delivered in phases, each one usable on its own

We start with the operating spine an institution needs on day one, then add controls, channels and intelligence in the order that removes the most risk.

Phase 1

Core operating spine

Credible for daily SACCO and FSA operations.

Member and group onboarding with KYC
Savings accounts
Loan appraisal, approval, disbursement and schedules
Teller deposits, withdrawals and repayments
Chart of accounts and automated journals
Roles, audit trail and maker-checker
M-Pesa and paybill import and reconciliation

Phase 2

Controls and visibility

Less operational leakage; reliable oversight for managers and head office.

Full bank, M-Pesa and mobile reconciliation
Treasury and teller float
Debt management and a PAR workbench
Transaction corrections and policy rules
Manager and cross-FSA dashboards
Standard report catalogue and exports

Phase 3

Mobile, field and self-service

Less cash handling; better support for group and field work.

USSD and mobile app
Self-service loan applications
Unique group meeting codes
Online collection sheets
SMS for due dates, meetings, AGMs and dividends
Mobile limits, float and share transfers

Phase 4

Enterprise finance and intelligence

Complete enterprise operations and strategic reporting.

HR, leave, payroll and payslips
Procurement, petty cash, billing and assets
Budgeting and variance analysis
Governance committee portal
BI dashboards and ESG / impact intelligence
A sandbox for training and testing

Pricing

Plans shaped around how you operate

Every plan includes maker-checker, audit trails, M-Pesa reconciliation, training material and user manuals. Cloud hosted by default, with a hybrid option for weak networks.