Member records, loan books and ledgers that reconcile on the same day.
A SACCO's risk is not its lending appetite. It is the gap between the member register, the loan book and the bank statement — and the reporting that closes a month late.
SACCOs, cooperatives & credit
Three problems we hear in every first meeting.
These are operational, not technical. No software choice fixes a process nobody owns — but the right configuration makes the process visible.
Member data in three places
Registers, spreadsheets and the banking portal disagree, and every reconciliation is manual.
Loan book reviewed monthly
Arrears and provisioning are seen at month end, when the recovery options have narrowed.
Reporting assembled by hand
Board packs are rebuilt from scratch every cycle, with no trail from figure to transaction.
The systems we would put in front of you.
Usually one vertical does the heavy lifting and the core platform carries finance behind it. We will tell you the honest order.
The services this sector always needs.
Hardware, connectivity, security, migration, training and the brand work that tells people the change has happened.
We have done this before — and you can read the work.
Not a logo wall. A named client, what was built, and the system behind it.
Africa Health Governance Institute
Website and ERP system for a continental institute — public presence plus internal programme management.
Read the project →Four questions we ask before we quote saccos & financial cooperatives.
They are boring questions. Answering them in the first meeting is the difference between a KORNTE ERP rollout that lands and one that gets quietly abandoned.
Answer them with usWho owns each step
Every workflow needs one named owner, otherwise the gap between offices becomes the system's fault.
What evidence an auditor or donor will ask for
We start from the report that gets scrutinised, then work backwards to the data entry.
Where the numbers have to agree
Registers, receipts and the ledger reconciled to one source before anything is configured.
Which integration cannot wait
Payments, analysers, channels or telematics — the one interface that decides the go-live date.
Tell us how your saccos & financial cooperatives operation actually runs.
We will map the workflow, name the gaps and recommend the smallest system that closes them — with a fixed-price scope before any contract is signed.