Loan & Payments Management System for SACCOS and Micro Finance companies

Small finance companies, SACCOs and microfinance institutions often manage their loans and payments on paper or in Excel. Managing incoming transactions, processed loans, guarantors and repayment schedules becomes a challenge as your portfolio grows. Without a proper system, institutions lose visibility on outstanding loans, delay reconciliation, and struggle to produce the reports regulators and boards ask for.

Redian Software's Loan and Payments Management System offers 360-degree customer profiling, loan lifecycle management and transaction reconciliation — purpose-built for SACCOs and microfinance companies across East Africa and beyond.

What the system delivers

• Loans, customers, guarantors and collateral — a unified member profile with linked loans, guarantors, collateral records and repayment history
• Interest calculation — flat, reducing balance, IRR-based, custom accrual — configurable per product
• Automatic instalment generation — daily, weekly, fortnightly, monthly and custom cycles
• Repayments and transactions with M-Pesa integration — direct debit, STK Push, C2B collections, automatic reconciliation
• Branch management — multi-branch operations with cash-flow visibility per branch
• Alerts and notifications — SMS and email triggers for dues, defaults, disbursements and dividend declarations
• Customer dashboard — member self-service via web and mobile
• Reports and analytics — portfolio dashboards, ageing analysis, provisioning schedules and regulator returns

Why SACCOs and MFIs choose Redian

• East Africa specialist — Nairobi delivery hub with SACCO and MFI engagements across Kenya, Uganda, Tanzania, Rwanda
• CMMI Level 3 Appraised delivery process — mature engineering for regulated finance
• Zoho Emerging Partner of the Year 2024 — East Africa — recognition of our regional delivery excellence
• Affordable licensing — designed for SACCO and MFI budgets, not enterprise banks
• End-to-end delivery — implementation, training, hosting, ongoing support — one accountable partner
• Pairs with mobile banking for SACCOs — extend the same data model to your member-facing app

Try our LMS free — no sales call required

Get hands-on with Redian's Loan Management System for SACCOs and MFIs. Explore the full platform — product configuration, disbursement workflows, collections, group lending and central bank reporting — with sample data.

Start free trial →

When you're ready to scope a production rollout, talk to our BFSI team.