NYUKI.SACCO Management System
Digital SACCO Management System

Modern Operations for African SACCOs & Credit Cooperatives

A unified digital operating system built specifically for SACCOs. Manage member KYC, track share capital, automate loan processing, manage savings accounts, and calculate dividend distributions.

UGX 45B+
SACCO Loans Tracked
120K+
Active SACCO Members
99.9%
System Uptime
100%
RLS Tenant Isolated

Comprehensive SACCO Features

Engineered from the ground up to digitize cooperative banking workflows.

Member Onboarding & KYC
Complete digital member registration with National ID verification, passport photo capture, Next-of-Kin records, and linked Mobile Money accounts.
Share Capital & Dividends
Track member share ownership, share purchase registers, configurable share values, and automated dividend calculations.
Savings & Fixed Deposits
Manage voluntary savings accounts, fixed deposit terms, automated interest accruals, and transaction deposit/withdrawal logs.
Member Loan Processing
Configure loan products, guarantor approvals, flat or reducing interest formulas, repayment schedules, and automated arrears tracking.
PostgreSQL RLS Security
Multi-tenant data isolation enforced at the database level. Each SACCO's records are strictly isolated.
Member Support Live Chat
Real-time Socket.IO messaging connecting members directly with SACCO staff through the client portal.

Built on Three Core SACCO Pillars

Mikopo seamlessly handles the core financial responsibilities of modern cooperatives.

Pillar 1

Share Capital

Manage member share ownership, share minimums, fractional shares, and annual dividend distributions.

  • Share purchase registers
  • Configurable share value
  • Automated dividend calculations
Pillar 2

Savings & Deposits

Manage voluntary member savings, fixed deposit terms, opening balances, and deposit receipts.

  • Voluntary savings ledger
  • Fixed deposit maturity tracking
  • In-SACCO fund transfers
Pillar 3

Member Credit

End-to-end loan application processing, guarantor approvals, interest formulas, and repayment schedules.

  • Guarantor approval workflows
  • Reducing & flat interest engines
  • Automated repayment schedules

Transparent SACCO Pricing

Predictable plans designed to grow with your SACCO member base.

Starter SACCO

UGX 150K / month

Up to 500 Active Members

  • Full Loan & Savings Engine
  • Member KYC Vault
  • Financial Reports Export
Most Popular

Growth SACCO

UGX 450K / month

Up to 5,000 Active Members

  • Share Capital & Dividends
  • Multi-Branch Support
  • Member Live Chat Support

Enterprise SACCO

Custom

Unlimited Members & Dedicated Instance

  • Dedicated Database Instance
  • Custom API & Mobile Integrations
  • 24/7 SLA Priority Support

Frequently Asked Questions