SaccoFlow 365
SACCO core banking on Business Central: members, deposits, loans, checkoff, dividends, front-office accounts, teller and SASRA returns.
SaccoFlow 365 is SACCO software for Kenya and the region on Microsoft Dynamics 365 Business Central. It runs a savings and credit co-operative inside Business Central. The back office (BOSA) holds the member record and KYC, share capital and non-withdrawable deposits, and the whole loan life cycle: products and charges, appraisal, guarantors and collateral, approval, disbursement, repayment schedules, interest, arrears, classification and provisioning, recovery and rescheduling. Employer checkoff, dividends and interest on deposits run in the same system, posted to the Business Central general ledger by one posting facade. The front office (FOSA) adds savings, current and fixed-deposit accounts with mandates and liens, tills and cash and cheque transactions, end-of-day cash counts, treasury, standing orders, funds transfers, salary processing and payment vouchers. Five role centers (credit manager, FOSA manager, teller, member relations and accountant) give each person a needs-attention list, and every action is approved through the Business Central workflow engine and recorded in an audit log. Eleven permission sets cover the roles. More than a hundred printable reports include the SASRA returns: Annexes 1 to 3, Forms 3, 4, 9, 11 and 12, the sectoral classification, the insider lending return and the agency return. SaccoFlow 365 Channels puts a mobile banking service in front of it. The SaccoFlow 365 app exposes 46 operations through a mobile banking web service, covering member information, balances and statements, loan applications with guarantor requests, standing orders, transfers, loan repayment and M-Pesa paybill receipts, with duplicate protection on every money operation. A separate gateway handles member sign-in with a PIN, one-time codes for larger or first-time payments, transfers, loan repayment, balances and mini-statements. A member portal, a mobile app, a USSD and SMS service and the Safaricom integration are in development. SaccoFlow 365 is in preview and is delivered by Software Dynamics with a pilot.
How a loan flows through SaccoFlow 365
From a member's application to repayment and recovery, with approvals and an audit trail at each step.
- Membre Postulez A member applies at the branch, with guarantor requests sent for the amount needed.
- Credit officer Appraise The application is appraised against the product, deposits, guarantors and collateral.
- Approver Approuver Approval runs through the Business Central workflow, and the decision is logged. Point de contrôle
- SaccoFlow 365 Disburse The loan is paid to a FOSA account, bank, cheque or the teller, with charges deducted and the schedule generated.
- Employer and member Repay Checkoff, FOSA transfers and paybill receipts are allocated to penalty, interest and principal.
- Credit manager Follow up Arrears, risk classification, provisioning, demand notices and recovery are tracked.
| Capacités | Dynamics 365 standard | Avec cette ISV |
|---|---|---|
| Member and KYC records | A register kept beside the books | Members, employers, groups, next of kin, signatories, exit and dormancy in Business Central |
| Loan life cycle | Spreadsheets and paper files | Appraisal, guarantors, disbursement, schedules, arrears, provisioning and recovery in one system |
| Employer checkoff | Matched by hand each month | Schedules, remittance import, variance and allocation posted in one transaction |
| Front office | A separate banking system | FOSA accounts, tills, cheques, standing orders and salary processing on the same ledger |
| SASRA returns | Compiled from exports | Report layouts for the Authority's forms, drawn from the live ledgers |
| Mobile banking | — | A 46-operation web service and a channels gateway, with the member portal, app and USSD in development |
Microsoft Dynamics 365 for SACCOs in Kenya
Kenyan SACCOs run on membership, share capital, deposits, loans and employer checkoff, and answer to SASRA. SaccoFlow 365 puts all of that on Microsoft Dynamics 365 Business Central, so the members' records, the loan book and the general ledger are one system rather than a core system and a set of exports. Software Dynamics implements it from Nairobi, with the SACCO's chart of accounts, products, charges and approval limits configured in discovery.
Dynamics NAV for SACCOs: upgrade to Business Central
Many SACCOs run their loans and deposits on Dynamics NAV (Navision) with a custom SACCO extension. SaccoFlow 365 is built for Business Central, the cloud successor to NAV, and rebuilds the back-office and front-office processes of those extensions as a maintained product. We assess the NAV version and customisations first, then agree a path: an upgrade of the existing system, or a move to Business Central with the member, loan and deposit balances brought across and reconciled to the ledger.
Upgrade SACCO software in Kenya
If your SACCO software is an old extension, a spreadsheet-based system or a core system that finance cannot reconcile, the upgrade is a migration plan, not a switch-over weekend: members and KYC, deposit balances, loan ledgers with schedules and guarantors, and checkoff history are mapped, rehearsed and reconciled before cutover. SaccoFlow 365 is in preview, so we run it as a pilot with your team and your data before you rely on it.
Livraison et support
SaccoFlow 365 is implemented by Software Dynamics on Business Central, alongside the standard product, and supported through the Client Portal under a support tier. Release timing is aligned to Microsoft's release waves.
SaccoFlow 365 in Kenya and East Africa
SaccoFlow 365 is delivered in Kenya and East Africa with the local layer set up in Design: KRA and regional tax-authority requirements, statutory payroll, local banks and multi-currency from the first workshop.
Délivré depuis Nairobi
Notre équipe de Nairobi (Software Dynamics Limited) livre à des organisations au Kenya, en Ouganda, en Tanzanie, au Rwanda et en Éthiopie, dans la bande horaire de l’Afrique de l’Est (UTC+3), avec des ateliers sur site à Nairobi, Mombasa, Kisumu et dans les capitales des pays que nous desservons. Des monnaies telles que KES, UGX, TZS et RWF fonctionnent sur un seul registre multi-devises.
Questions fréquemment posées
What is the best SACCO software in Kenya on Dynamics 365?
SaccoFlow 365 is Software Dynamics' SACCO software for Microsoft Dynamics 365 Business Central. It covers members and KYC, share capital and deposits, loans, checkoff, dividends, FOSA accounts, teller, standing orders and SASRA returns on the Business Central ledger. It is in preview, so it is introduced through a pilot.
Does Microsoft Dynamics 365 work for SACCOs in Kenya?
Yes. Business Central can run a SACCO's members, deposits, loans and ledger together. SaccoFlow 365 adds the SACCO processes: guarantors, collateral, checkoff, dividends, FOSA accounts and SASRA returns.
Can you move our SACCO from Dynamics NAV to Business Central?
Often yes. We assess the NAV version and any SACCO customisations, then either upgrade the system or move to Business Central with balances brought across and reconciled. See the migration page for NAV, Sage and QuickBooks users.
How do we upgrade our SACCO software in Kenya?
In stages: discovery and fit-gap, data mapping for members, deposits, loans and checkoff, migration rehearsals reconciled to the ledger, training for the credit, FOSA, teller and finance teams, and a supported cutover.
Does SaccoFlow 365 produce SASRA returns?
It includes report layouts for the SASRA annexes and forms the product supports, drawn from the live ledgers, with the signing officers set up once. We confirm the exact return formats with your finance team and auditor in discovery.
Do members get mobile banking?
The product exposes a mobile banking web service with 46 operations, and a channels gateway handles PIN sign-in, one-time codes, transfers, loan repayment, balances and mini-statements. The member portal, mobile app, USSD and SMS banking and the Safaricom integration are in development.
Comment commencer ?
Avec une consultation de 45 minutes, puis un atelier de découverte et d’ajustement sur vos propres processus. Vous recevez un programme écrit et un plan progressif avant qu’un programme ne soit convenu.
Is SaccoFlow 365 available in Kenya and East Africa?
Yes. We deliver and support it from Nairobi for organisations in Kenya, Uganda, Tanzania, Rwanda and Ethiopia. Kenya Revenue Authority requirements, including eTIMS where invoicing is involved.
Who implements SaccoFlow 365 in Kenya?
Software Dynamics Limited à Nairobi, un Microsoft Solutions Partner pour les applications métier. Chaque engagement commence par un atelier de découverte et un écart écrit avant qu’un programme ne soit convenu.