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SACCO and Microfinance ERP in Kenya: The Complete Operating Guide

Member management, savings, loan products with five interest methods, credit committee approvals, arrears, and IFRS-style provisioning, inside Biashara ERP.

SACCO and Microfinance ERP in Kenya: The Complete Operating Guide

SACCOs need more than a member spreadsheet

Deposits, shares, loan applications, guarantors, collateral, repayment schedules, arrears, and provisioning each touch different officers. Biashara ERP SACCO vertical pack unifies them with role-based workflow and accounts integration.

Loan interest methods supported

  • Flat rate
  • Amortized (reducing balance)
  • Fixed principal
  • Interest-only periods
  • Bullet repayment

Credit workflow roles

Cashier, loan officer, credit officer, branch manager, accountant, auditor, and credit committee each see gated actions, from application through disbursement to provisioning runs.

Explore SACCO & microfinance services or request a SACCO demo.

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