Structa SACCO | SACCO Management System
A complete SACCO management system, engineered for BOSA, FOSA and the member economy.
Structiva delivers end-to-end SACCO technology: core banking, member management, lending, mobile money and digital channels, accounting and regulatory reporting, implemented and supported by an engineering team in Nairobi.
Outcomes for your SACCO
- One integrated view of every member across BOSA and FOSA
- Automated reconciliation of mobile money and check-off remittances
- Faster loan turnaround with digital appraisal and guarantor workflows
- Members served on mobile, USSD and online channels
- Regulatory and board reporting produced from a single source of truth
- Stronger internal controls and audit trails across all operations
Technology built around how SACCOs work
SACCOs carry a responsibility that is both financial and social. Members trust the society with their savings, their shares and their access to credit, and they expect the same speed and convenience from their SACCO as from any bank or mobile money provider.
Our SACCO management system brings back office (BOSA) and front office (FOSA) operations onto one integrated platform, connected to M-Pesa and bank channels, credit reference bureaus and identity services, with the controls, audit trails and reporting that boards, auditors and regulators expect.
Challenges we solve for SACCOs
- 01
Disconnected BOSA and FOSA
Back office and front office running on separate systems, with balances reconciled by hand.
- 02
Manual M-Pesa reconciliation
Paybill deposits and loan repayments matched to members manually at the end of each day.
- 03
Check-off delays
Employer remittances arriving as spreadsheets that take days to allocate to member accounts.
- 04
Loan appraisal bottlenecks
Paper-based applications, guarantor verification and approvals that slow access to credit.
- 05
Regulatory reporting pressure
Prudential returns and audit requests assembled from multiple sources under tight deadlines.
- 06
Members expecting digital access
Members asking for mobile loans, statements and balances without visiting a branch.
Everything a SACCO runs on, in one platform
Integrated modules sharing a single member record and a single general ledger.
Member management
Registration, KYC, nominees, membership status, share capital and full member history.
BOSA operations
Deposits, share capital, member contributions and BOSA loans with interest on deposits and dividend computation.
FOSA banking
Savings and transactional accounts, teller operations, standing orders and front office services.
Loan management
Loan products, appraisal, eligibility based on deposits, approvals, disbursement, schedules and recovery.
Guarantor management
Guarantor capture, guarantee limits, exposure tracking and guarantor notifications.
Check-off management
Employer remittance processing, automated allocation to member accounts and variance reporting.
Mobile money and payments
M-Pesa paybill and STK push collections, B2C loan disbursements and automated reconciliation.
Mobile and USSD banking
Balance enquiries, mini statements, deposits, mobile loans and repayments for members on any phone.
Member portal
Secure online access to statements, loan applications, guarantorship requests and documents.
Accounting and general ledger
Integrated chart of accounts, automated postings, budgets, bank reconciliation and financial statements.
Reporting and analytics
Portfolio at risk, arrears, liquidity, member growth and board-level performance reporting.
SMS and notifications
Automated alerts for deposits, repayments, arrears, guarantorship and AGM communication.
Dividends and interest
Rule-based computation of dividends on share capital and interest on deposits, with audit-ready workings.
Multi-branch operations
Branch-level tills, vaults, users and reporting with consolidated society-wide views.
Security and controls
Role-based access, maker-checker approvals, segregation of duties and complete audit trails.
Connected to the ecosystem your members use
Pre-planned integrations with the payment, credit, identity and finance platforms SACCOs depend on.
M-Pesa
Paybill, STK push and B2C disbursements with real-time posting and reconciliation.
Bank channels
Bank account integrations for collections, transfers and statement reconciliation.
Credit reference bureaus
Credit reports in loan appraisal and regular submission of member credit data.
National identity verification
Member identity verification at onboarding to strengthen KYC.
Employer check-off
Structured import and allocation of employer remittance schedules.
ERP and accounting platforms
Integration with Sage, Microsoft Dynamics 365 and other finance systems where required.
Bulk SMS gateways
Transactional and member communication through approved SMS providers.
Controls that satisfy boards, auditors and regulators
Designed for SASRA reporting obligations
Structured data and reports built to support prudential and statutory returns for regulated SACCOs.
Data protection by design
Member data handled in line with the Data Protection Act, 2019, with access control, encryption and retention rules.
Audit readiness
Every transaction traceable to a user, time and approval, with reports external auditors can rely on.
Board visibility
Clear, timely reporting on liquidity, portfolio quality and member growth for boards and management.
Questions SACCO leaders ask us
The engineering behind the solution
Core Banking Systems
Core banking technology for banks, SACCOs and microfinance institutions that need reliable, integrated and scalable operations.
Financial Technology
Engineering platforms and integrations that support modern financial services and payment ecosystems.
Enterprise Systems Integration
Connecting enterprise applications, financial platforms and institutional systems into unified technology ecosystems.
Engineering, Redefined.
Talk to our engineers about the mission-critical systems your institution depends on.