Sacco System
Endowed Sacco
A full-featured Sacco / core-banking platform with a JWT-secured member mobile app — covering onboarding, real M-Pesa payments, savings, loans, GL posting and reporting.
Modular, permission-driven, member-ready
Endowed Sacco is built to be enabled feature-by-feature. Saccos can switch capabilities on or off through system settings and group/module assignments — from payments and loans to reporting — without touching code.
Core modules
Everything a Sacco needs
Membership Management
- Public self sign-up with admin approval & verification
- Full KYC profile (name, ID, KRA PIN, phone, NOK)
- Unverified member staging with bulk import & verify
- Member-to-user account mapping for authentication
Authentication & Access
- Session-based web auth for staff & admins
- JWT bearer tokens for the member mobile API
- Secure, time-limited password reset flows
- Role & group based fine-grained permissions
Payments & M-Pesa
- M-Pesa, cash and bank transfer methods
- Real Daraja STK Push (C2B) with OAuth & callbacks
- Persistent STK requests & transactions with retries
- Master EnablePayments switch — no code change
Registration & Contributions
- Admin and self-service registration fee payment
- Member & admin share contribution flows
- Contribution period open/closed checks
- Automatic receipt & activation email queuing
Finance & GL Posting
- Chart of accounts, cashbooks & transaction types
- Debit/credit GL mapping for every posting
- Pending transaction workflow & reconciliation
Loans (Optional Module)
- Loan products with interest, terms & penalties
- Applications, approvals & disbursements
- Repayment schedules and repayment posting
- Pluggable — enable via settings when ready
Reporting & Exports
- Members, transactions, logins & M-Pesa reports
- Server-side CSV export endpoints
- Statutory and internal reporting ready
Notifications
- Email notification queue for activation & receipts
- Password reset tokens tied to queued emails
- System messages to members and staff
Administration & Settings
- SaccoSettings toggles (EnablePayments, LoansEnabled)
- Modules management for feature access
- Payment methods & active period controls
- Audit logs and administrative tools
Background Jobs & Scheduler
- Bulk import worker & staged member promotion
- Loan penalty accrual and pending-txn application
- Scheduled maintenance via the Scheduler project
Member mobile app
Your Sacco in every member's pocket
Powered by a dedicated JWT API with a consistent JSON error model for reliable, secure member access.
- Secure sign up, login & rotating token refresh
- Dashboard: balances, contribution history, loan snapshot
- Complete profile & upload profile picture
- Pay registration fee & contribute via M-Pesa STK
- View transaction history & download receipts
- Apply for and track loans (status, schedules, balances)
- Change password & forgot/reset flows
- Push notifications via Firebase Cloud Messaging (FCM)
Why organisations choose it
Built for real Saccos
- Complete Sacco feature set in one platform — members, payments, savings, loans, GL & reporting
- Robust M-Pesa support for easy member collections and receipts
- Mobile-ready API powering a native member app with secure tokens
- Permission-first design for multi-user finance teams and auditors
- Operational controls to enable/disable features via settings
Built to work with the tools Kenyan businesses rely on
M-Pesa
STK Push & C2B
KRA eTIMS
Compliant invoicing
Safaricom Daraja
Payments API
Card & Bank
Gateways & transfers