About Us

At Shahi Services Limited, we are on a mission to digitize and transform SACCO operations in Kenya and across Africa through our flagship platform, iSACCO. Our software is designed to be affordable, scalable, and SASRA-compliant, helping SACCOs of all sizes—from community cooperatives to large transport-based SACCOs—automate their operations and drive financial inclusion.

We proudly serve a growing network of progressive SACCOs across Kenya, including iSave SACCO, ADOM SACCO, Supply Chain SACCO, Network SACCO, and YES SACCO. We also support technology transformation for Matatu SACCOs, which are crucial to Kenya’s public transport system. Whether managing fleet financing, driver welfare, or digital payments, iSACCO is built to support their unique needs.

✅ SACCO software for transport, teacher, and community cooperatives
✅ Integrated with M-Pesa, real-time dashboards, and mobile apps
✅ Trusted by leading SACCOs in Kenya’s urban and rural economies

Why Choose Us?

Affordable Pricing

$10 per active member for onboarding and only $800 per year per SACCO.

Scalable Architecture

Built for growth—handle 100 to 10,000+ members effortlessly.

Mobile & M-Pesa Ready

100% mobile-first with M-Pesa integration built-in.

Key Features of iSACCO

Member Management

Track detailed profiles, contributions, and shareholdings.

Loan Automation

Loan apps, disbursements, and repayments—fully digital.

Live Dashboards

Real-time reporting on SACCO performance and growth.

What is a SACCO in Kenya?

A SACCO (Savings and Credit Cooperative Organization) is a regulated, member-owned financial institution that provides affordable savings and loan services. In Kenya, SACCOs are crucial to inclusive finance, enabling low- and middle-income earners—especially teachers, farmers, boda boda operators, and civil servants—to access affordable credit facilities.

SACCOs are governed democratically and operate under cooperative principles. In Kenya, they are regulated by the SACCO Societies Regulatory Authority (SASRA), which ensures financial transparency, legal compliance, and risk protection for all members.

Leading SACCOs in Kenya include Mwalimu National SACCO, Stima DT SACCO, Sheria SACCO, Kenya National Police SACCO, and Harambee SACCO. These institutions collectively manage billions in assets, supporting economic empowerment and grassroots entrepreneurship.

At Shahi Services Limited, we power this ecosystem through iSACCO — a robust, mobile-first SACCO Management System built for Kenya. iSACCO includes M-Pesa integration, automated loan workflows, real-time reporting, and secure member portals. It's compliant with SASRA guidelines and trusted by SACCOs across Africa.

✅ Trusted by SACCOs in Kenya and East Africa.
✅ Compliant with SASRA standards.
✅ Designed for financial inclusion and growth.
✅ Built by Shahi Services — leaders in SACCO digital transformation.

FAQs on SACCO Software in Kenya

What is a SACCO management system?

A SACCO management system is a digital platform used to automate member registration, savings, loans, reporting, and compliance. iSACCO is one such system built for SACCOs in Kenya and Africa.

What is the best SACCO management software in Kenya?

iSACCO by Shahi Services Limited is a leading SACCO software in Kenya, offering M-Pesa integration, SASRA compliance, mobile apps, and real-time dashboards at an affordable price.

Can iSACCO support matatu or transport SACCOs?

Yes, iSACCO is ideal for matatu SACCOs in Kenya. It supports fleet loans, daily income tracking, driver contributions, and financial reporting tailored for the transport sector.

What is the difference between BOSA and FOSA in SACCOs?

BOSA (Back Office Service Activity) handles savings and loans for members only, while FOSA (Front Office Service Activity) provides banking-like services such as deposits and withdrawals to members and non-members.

Which is the best digital SACCO in Kenya?

Leading digital SACCOs in Kenya include ADOM Sacco, iSave Sacco, Nation Sacco, Network Sacco, Mwalimu National, Supply Chain Sacco, Stima SACCO, Safaricom Sacco and YES SACCO. These institutions leverage systems like iSACCO for mobile-first member services and real-time reporting.

What does DT in SACCO mean?

DT stands for Deposit Taking. A DT-SACCO in Kenya is authorized by SASRA to receive member deposits and offer credit services, similar to banks but under cooperative regulations.

SACCO Management Software for Kenya and Africa – iSACCO