Overview
Run your entire cooperative on one platform
Your home for end-to-end SACCO operations management.
SACCO360 is the cooperative-society product in the Hitaji360 platform. It lets a Savings & Credit Cooperative run its day-to-day business end to end: enrol members, take savings deposits, pay out withdrawals, issue and recover loans, manage shares and dividends, and post every transaction to a real accounting ledger — with role-based access for managers, tellers, loan officers, and the credit committee, plus a self-service portal for members.
The journey
Join
Apply, get verified, and become an active member.
Save
Build savings across compulsory, voluntary, and fixed-deposit accounts.
Borrow
Access credit backed by your savings and guarantors.
Earn
Receive dividends from your share holdings.
- Manager, Teller, Loan Officer, Credit Committee & Member — each with scoped permissions
- 5 rolesManager, Teller, Loan Officer, Credit Committee & Member — each with scoped permissions
- Configure savings & loan products with their own rates, terms & rules
- Your productsConfigure savings & loan products with their own rates, terms & rules
- Every transaction posts to double-entry accounting automatically
- Real ledgerEvery transaction posts to double-entry accounting automatically
- Members view balances, apply for loans & download statements
- Self-serviceMembers view balances, apply for loans & download statements
A tailored view for every role
Manager
Full oversight of member stats, savings totals, loan portfolio, portfolio health, and pending approvals at a glance.
Explore the platform
Membership & Onboarding
Enrol members at the counter, by bulk import, or via a shareable self-application link — then run a structured onboarding checklist through to approval.
Learn moreSavings & Deposits
Open savings accounts, take deposits, process withdrawals with optional approval gates, run interest, fixed deposits, and dormancy handling.
Learn moreLoans & Credit
Originate loans with eligibility checks, guarantors and collateral, route them through approval, disburse, and recover with full arrears tracking.
Learn moreShares & Dividends
Allocate share capital at registration or on demand, track holdings per member, and declare dividends when the cooperative distributes surplus.
Learn moreAccounting & GL
Every deposit, withdrawal, disbursement, and repayment posts a journal entry to the Hitaji ERP ledger through configurable GL mappings.
Learn moreApprovals & Workflows
Configure approval thresholds and committees so high-value loans and withdrawals are reviewed before they commit. Nothing slips through.
Learn moreMember Self-Service
Members log in to see their balances, shares, and loans, apply for credit, nominate beneficiaries, and download their own statements.
Learn more