Mulatha Sacco: The Ultimate Sacco Management Software

Ultimate Sacco Management System

A Banking software that handles banking transactions deposits, withdrawals, loans, and many other records for Microfinance (MFIs), Village Banks, Small scale Microfinance Institutions (MFIs), Savings and Credit Co-Operatives (SACCOS) of any size.


It comprises of eleven key modules (Savings, Loans, Chart of accounts, Expenses, Fixed Assets Registry, SMS Banking, Receivables, Investments, Payables and Income) which make the management and tracking of savings and loans easy plus other complementary modules that make Savings Plus even more useful and easy to use.

Ultimate Sacco System helps you with registration of new members maintaining basic customer information such as name, age, and gender and maintaining details of both new and existing member’s..


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Members Registration

Ultimate Sacco helps you with registration of new members maintaining basic customer information such as name, age, and gender and maintaining details of both new and existing member’s


This comes with an integrated document management system that allows attachment of scanned copies of IDs, photos and other required membership documents.

The system also allows ‘corporate membership’ where companies or groups can be registered under a group/employer name and the members will be identified under that group name.


Loan Application

The loan application procedures come with different levels of login for creating approving the application he application, approving the application and disbursing funds of approved loans


When set up, the applications will be based on the existing loan products which can be set up with different terms of interest and durations as desired.

It enables viewing of pending, deferred, rejected and approved loans and allows notes for the actions taken. This module also enables tracking of approved loans pending disbursement, so you can analyze your liquidity and avoid committing beyond your available funds/receipts.


Integrated Accounting

Income from interests, penalties and other sources are automatically computed based on the terms of the loan product and lapsed durations, thus eliminating the need to manually compute and post these occurrences.


The supplier’s module enables management of the SACCOs expenses like stationery office rent & bills, thus allowing the generation of comprehensive Income & Expense Statements and Balance sheet. .

Since tracking of funds into and out of bank is also a major component, the system Provides capabilities to generate bank statements and to perform bank Reconciliations or individual or multiple bank accounts.


Savings Account Management

Our Software allows SACCO’s & Micro finance Institutions to run multiple Saving Products including Interest Accruing Accounts, Fixed Deposit Accounts, Non-Interest Savings Account, with Ease.


This system has flexible loan and savings module which you can adjust or customize to suit your microfinance needs. Manageable fields include loan term, interest rate, repayment schedule, interest calculation method, charges and many other options. Loan approval process follows best microfinance standards.


Charts and Graph Details

View detailed charts and see how your loan released and collections are changing month to month. You can also view cash flow reports and profit/loss statements.


This will allow you to instantly see your business performance through graphic charts and take informed decisions..

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