SACCO software
SACCO management software that follows your bylaws
Members, savings, shares, loans, guarantors, savings groups and the books in one system, from the first application to the AGM. Built in Africa for cooperatives in Africa.
Sign up yourself in Uganda, Kenya, Tanzania and Rwanda. Elsewhere in Africa? Talk to us.
What you get
Everything in one set of books
Savings and shares
Savings products, fixed deposits and interest runs, plus a share register with transfers and limits.
Loans against savings
Member guarantors, committee approval and repayments that post straight to the ledger.
Savings groups (VSLA)
Meetings, group loans, the social fund and the year-end share-out worked out for you.
Dividends and returns
Year-end interest on savings and dividends on shares, prudential ratios and regulator reports.
Member app and mobile money
Members deposit, repay and buy shares from their phone, and see every balance.
Controls
Maker-checker approvals, roles per branch and a full audit trail of who changed what.
For your staff
- Membership applications, fees and welfare
- Savings products, fixed deposits and withdrawal approvals
- Share register with transfers and caps
- Loans with guarantors and committee approval
- Savings groups: meetings, group loans and share-out
- Accounting, ratios, returns and year-end dividends
- Committees, meetings and AGM resolutions
- Dormant accounts, exits and payroll check-off
For your members
- Savings, shares and loan balances
- Deposit, repay and buy shares by mobile money
- Apply for a loan and accept guarantor requests
- Statements and share certificates as PDF
- USSD for members without a smartphone
Questions
Frequently asked questions
Can we move our members in from Excel?
Yes. We import your members, savings, shares and running loans from a spreadsheet or your old system, and check the totals with you before you go live.
Does it handle savings groups (VSLAs) as well as a full SACCO?
Yes. Groups keep their own meetings, contributions, loans and social fund, and the share-out at the end of the cycle is calculated from each member's shares.
Does it calculate dividends and interest on savings?
Yes. At year-end you set the rates the AGM approved and Prograte works out each member's dividend on shares and interest on savings, then posts it.
Which countries can use Prograte?
You can sign up yourself in Uganda, Kenya, Tanzania and Rwanda, with your books in your own currency (UGX, KES, TZS or RWF). MTN and Airtel mobile money and credit bureau checks are built in for Uganda. If you run a SACCO, lender or credit-sale business anywhere else in Africa, talk to us and we'll tell you honestly what works in your country today.
Is there a free trial?
Yes. Every plan starts with a 30-day trial, and we help you move your existing members, customers and loans in from Excel or your old system.
Does it work on phones?
Staff use the web app on a laptop or the Prograte app on Android and iPhone. Your members or customers get their own app to check balances and pay, and those without a smartphone can use USSD where it is available.
Guides
Worth reading
How to calculate a VSLA or savings group share-out
A step-by-step way to work out what each member gets at the end of the cycle, with a worked example you can copy.
Portfolio at risk (PAR) explained, with examples
What PAR 1, PAR 30 and PAR 90 mean, how to calculate them, and why PAR is a better warning sign than arrears.
See it with your own numbers
Start a 30-day trial. We'll help you move your members and loans in.