SACCO & microfinance
SACCO & microfinance ERP module
Member management, savings, loan products with five amortization methods, disbursement, repayment schedules, arrears, provisioning, and role-based credit workflow.
Vertical · Kenya
SACCOs and microfinance institutions need more than a customer list. Biashara ERP ships a full SACCO vertical pack: member onboarding, savings and shares, configurable loan products, multi-method interest calculation, credit committee approvals, repayment allocation, arrears dashboards, and IFRS-style loan provisioning — integrated with accounts and CRM.
biasharaerp.com
Updated June 2026
Kenya-native ERP
Capabilities
What you get with SACCO & microfinance
Shipped inside your Biashara ERP tenant — not a bolt-on integration or spreadsheet bridge.
Member & savings
- Member onboarding with member numbers
- Savings deposits & shares tracking
- Member accounts with transaction history
- Withdrawal approvals queue
Loans & credit
- Configurable loan products
- Five interest methods — flat, amortized, fixed principal, interest-only, bullet
- Apply → appraise → approve → disburse lifecycle
- Collateral & guarantor tracking
- Schedule generation & statement PDFs
- Repayment allocation across principal, interest & fees
- Arrears dashboard & collections workflow
- Loan provisioning runs (IFRS-style)
Roles & GL integration
- Role grants — cashier, loan officer, credit officer, branch manager, accountant, auditor, credit committee
- SACCO GL mapping integration with accounts module
- SACCO reports & regulatory exports
Comparison
Biashara ERP vs typical alternatives
Honest capability comparison for Kenyan buyers evaluating enterprise software.
Interest methods
Biashara ERP
5 amortization methods
Typical alternative
Flat rate only
Provisioning
Biashara ERP
IFRS-style runs
Typical alternative
Manual spreadsheet
ERP link
Biashara ERP
Accounts + CRM integrated
Typical alternative
Standalone SACCO app
Approvals
Biashara ERP
Credit committee workflow
Typical alternative
Email approval chain
FAQ
SACCO & microfinance: FAQs
Does Biashara ERP have a SACCO module?
Yes. Biashara ERP includes a SACCO & microfinance vertical pack with member management, savings, loan products, five interest methods, approvals, arrears, and loan provisioning.
What loan interest methods are supported?
Biashara ERP SACCO supports flat, amortized, fixed principal, interest-only, and bullet interest calculation methods with automatic schedule generation.
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