Free SACCO Management Software for Kenya & Africa

Get started in under one week — with full mobile money and bank integration.

iSACCO is 100% FREE to install, SASRA-compliant, and built for SACCOs of all sizes.

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SACCO member using phone

Built for SACCOs of All Sizes

iSACCO adapts to your SACCO — whether transport, teacher, or community cooperative. Integrated with M-Pesa, live dashboards, and secure member portals.

  • Affordable pricing & mobile-first design
  • SASRA-compliant workflows
  • Trusted by SACCOs across Kenya
SACCO software demo

Powerful, Mobile-First Features

  • Member & loan automation
  • Daily reports & SMS alerts
  • M-Pesa and bank integrations
  • Built-in accounting and audit trails

Trusted by Kenyan SACCOs

"We’ve streamlined our operations and improved member access with iSACCO." – YES SACCO

"The M-Pesa integration has transformed our contribution tracking." – iSave SACCO

"Perfect for our transport SACCO's daily income and fleet management." – Supply Chain SACCO

Kenyan woman using SACCO mobile app on phone

What is a SACCO in Kenya?

A SACCO (Savings and Credit Cooperative Organization) is a member-owned financial institution that provides affordable savings and credit services to its members. In Kenya, SACCOs play a critical role in advancing financial inclusion—especially for teachers, civil servants, small business owners, farmers, and transport workers.

Regulated by the , SACCOs operate on cooperative principles and are democratically governed. Members pool savings together to access low-interest loans and financial support.

  • ✅ Member-owned & democratically managed
  • ✅ Regulated under SASRA in Kenya
  • ✅ Access to affordable savings & loans
  • ✅ Supports grassroots economic growth

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Ready to transform your SACCO operations? Let’s get started.

Call +254 722 400 737
iSACCO SACCO system demo

Frequently Asked Questions (FAQs)

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.

iSACCO mobile integration features

More SACCO Questions Answered

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.