SACCO360
Run a Savings & Credit Cooperative end to end — members, savings, loans, shares, and a real ledger.
SACCO360 is the cooperative-society product in the Hitaji 360 platform. It lets a Savings & Credit Cooperative run its day-to-day business end to end: enrol members at the counter, by bulk import, or through a shareable self-application link; take savings deposits and pay out withdrawals; issue and recover loans with guarantors, collateral, and approval workflows; manage shares and dividends; and post every transaction to a real double-entry ledger. Role-based access scopes managers, tellers, loan officers, and the credit committee, while members get a self-service portal for their balances, loans, and statements.
Key Features
- Member enrollment — counter, CSV import & self-apply links
- Savings accounts, deposits, and withdrawals
- Loans with guarantors, collateral, and approval workflows
- Shares, share capital, and dividends
- Automatic posting to a double-entry accounting ledger
- Configurable approval thresholds and credit committee
- Multi-branch operations and role-based access
- Member self-service portal
Use Cases
- SACCOs managing member savings and loan portfolios
- Cooperatives running guarantor-backed loan approvals
- Societies issuing shares and paying dividends
- Multi-branch SACCOs needing consolidated accounting
- Members checking balances and statements online
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