One connected workspace
Keep essential operational information together instead of relying on disconnected notebooks, spreadsheets and messaging threads.
TondeSoft · Finance & Banking
🏦Industry-focused business software
SACCO / MicrofinanceERP
Tier-1 core banking platform specifically architected for Credit Unions, SACCOs, and Microfinance Institutions. Full compliance with Central Bank prudential norms, loan aging schedules, collateral management, and mobile money deposits.
Support member onboarding, savings, deposits, loan origination, repayments, approvals, accounting and portfolio monitoring.
✓ Workflow-focused✓ Management visibility✓ Configurable deployment✓ 36 modules in the catalogue
Designed for
Finance & Banking
Product focus
Connected operations
TondeSoft approach
Software that adapts to the way your business works.
A better way to manage
Grow your membership with disciplined savings and loan control
The system supports every stage: onboarding members, collecting savings and shares, appraising and approving loans, scheduling repayments and monitoring arrears. Board and management get an auditable view of the portfolio.
Ideal for: Credit unions, SACCOs, microfinance companies, community financial enterprises.
Clearer accountability
Give team members defined responsibilities and help managers review actions, approvals and outstanding work.
Better business visibility
Use structured records and reports to understand activity, identify exceptions and make more informed decisions.
Designed around your operation
Discuss your branches, approval steps, reports and local operating requirements during product configuration.
Designed around your industry
Solve the everyday coordination challenges
A useful management system should connect the work people do every day with the information owners and supervisors need to make decisions.
Where work gets disconnected
Member savings, shares, loan applications, guarantors, repayments and arrears must remain traceable and properly approved.
How the system helps coordinate it
Maintain member accounts, savings products, loan appraisal, approval stages, disbursement, repayment schedules and collections.
What decision-makers can review
Review portfolio quality, repayment performance, arrears ageing, savings balances, cash position and approval history.
Problems we solve
Common headaches in finance & banking, and how SACCO / MicrofinanceERP addresses them
Loans approved without a clear trail
How it helps
Approval stages and decision history are recorded against each application.
Late repayments discovered too late
How it helps
Arrears are flagged by age so officers can act early.
Member statements prepared manually
How it helps
Statements are generated from the transaction record.
Before and after
What changes when your team switches to SACCO / MicrofinanceERP
Without a system
With SACCO / MicrofinanceERP
✗ Ledger books and spreadsheets
✓ One member account and ledger
✗ Guarantor details scattered
✓ Guarantors and security linked to each loan
✗ Board reports compiled for days
✓ Portfolio and arrears reports on demand
System capabilities
Explore the SACCO / MicrofinanceERP modules
A closer look at the functions that can support your day-to-day activities. The final module setup can be aligned to your organization’s processes.
MODULE 01✳
Core Member Shares & Savings Ledgers
Maintain member profiles, account activity and service history with clear transaction references.
MODULE 02✳
Automated Loan Appraisal & Amortization Engine
Track applications, approvals, repayment schedules and arrears for consistent portfolio follow-up.
MODULE 03✳
Guarantor & Collateral Asset Registry
Manage guarantor & collateral asset registry with consistent records, clear ownership and information that can be reviewed by the right team members.
MODULE 04✳
PAR (Portfolio At Risk) & Aging Analysis
Manage par (portfolio at risk) & aging analysis with consistent records, clear ownership and information that can be reviewed by the right team members.
MODULE 05✳
Central Bank Regulatory Prudential Returns
Manage central bank regulatory prudential returns with consistent records, clear ownership and information that can be reviewed by the right team members.
MODULE 06✳
User roles and access control
Manage user roles and access control with consistent records, clear ownership and information that can be reviewed by the right team members.
Module explorer
Everything inside SACCO / MicrofinanceERP
Search the 36 modules covered in the feature catalogue to find the exact function you need.
Member Management (CRM)
Maintains complete member profiles, including KYC documentation, next of kin, and beneficiaries, forming the foundation of the SACCO's membership…
Member Accounts
Manages savings accounts, share capital, and account statements for every member, giving a clear and accurate view of member holdings.
Savings Management
Handles daily, weekly, fixed, and target savings products, allowing the SACCO to offer flexible savings plans tailored to member needs.
Daily SUSU Collection
Supports mobile field collectors and route-based daily susu collection, with digital passbooks that keep member contributions accurate and…
Standing Orders & Direct Debits
Automates recurring payments and scheduled deductions to designated beneficiaries, reducing manual processing and missed payments.
Customer Self-Service
Gives members a self-service channel to raise service requests and support tickets, improving responsiveness and member satisfaction.
Loan Management
Manages the full loan lifecycle, from application and disbursement through to amortization, keeping lending organised and accurate.
Loan Approval Workflow
Routes loan applications through defined approval levels and committee sign-off, ensuring lending decisions follow SACCO policy.
Collections & Reminders
Sends automated repayment reminders and tracks collections activity, helping reduce arrears and keep loan books healthy.
Collateral & Repossession
Registers loan collateral and manages the repossession process where needed, protecting the SACCO's lending exposure.
Guarantor Management
Tracks guarantors linked to member loans and their liability exposure, supporting sound credit risk assessment.
Money Lending Operations
Supports field-agent lending and quick cash loan products secured against pawned collateral, extending credit access to more members.
AI Smart Finance Tools
Applies credit scoring and fraud/default prediction models to support faster, more informed lending decisions.
Banking & Cash Management
Manages teller operations, branch cash positions, and daily reconciliation, keeping cash handling accurate and accountable.
Mobile & Digital Banking
Extends banking services to members through USSD, mobile money, and digital receipts, enabling convenient access outside the branch.
Card & Digital Wallet
Issues and manages debit cards and mobile wallets, with visibility into POS and ATM activity for every member.
Merchant & QR Payments
Supports merchant onboarding and QR code payments, with automated settlement into merchant accounts.
Rural & Retail Banking
Provides current accounts, chequing facilities, and ATM/POS services, extending full retail banking capability to members.
Treasury & Investments
Manages liquidity, treasury bill holdings, and correspondent banking relationships, supporting sound financial management.
Corporate & Trade Finance
Serves business and corporate clients with facilities such as letters of credit and guarantees, expanding the SACCO's commercial offering.
Accounting & Finance
A complete accounting module covering the general ledger, financial statements, and budgets, giving a clear picture of institutional performance.
Payroll & HR
Manages staff records, payroll processing, and incentive payments, bringing standard HR practice to SACCO administration.
Fixed Assets & Procurement
Maintains an asset register with depreciation tracking, alongside purchase order management for procurement of goods and services.
Dividends & AGM Governance
Manages dividend declarations and supports AGM processes, including voting and resolutions, for transparent member governance.
Bancassurance
Offers loan protection and life cover products to members, with integrated claims processing.
Member Welfare Fund
Manages member welfare contributions and benevolent support claims, helping the SACCO care for members in times of need.
Compliance & Regulatory
Supports AML monitoring, audit trails, and regulatory reporting, helping the
Regulatory
SACCO stay compliant with industry requirements.
Fraud & AML Center
Centralises fraud alerts, sanctions screening, and AML case management, strengthening the institution's risk controls.
Regulatory & Capital
Tracks Bank of Ghana filings and monitors capital adequacy and CAR ratios, keeping the SACCO aligned with prudential requirements.
Security & Administration
Controls system access through role-based permissions and approval levels, with full audit logging for accountability.
Branch & Agent Management
Coordinates multi-branch and agent operations from a single system, with performance visibility across every location.
Document Management
Securely stores institutional documents with e-signature support and expiry alerts, keeping records organised and compliant.
Reports & BI Dashboard
Delivers analytics and business intelligence across all modules, supporting informed, data-driven decision-making.
Integrations
Connects the SACCO ERP with mobile money platforms, SMS gateways, and banking APIs, extending the system's reach and convenience.
Company Setup
Configures the institution's profile, branch details, and regulatory and fiscal settings across the system.
No module matches that search. Ask us on WhatsApp; custom modules can be built.
Built with African operations in mind
Practical tools for the way business works here
Designed for organizations operating in Ghana and across Africa, where teams may need clear multi-branch oversight, Ghana cedi reporting, Mobile Money and cash collection visibility, SMS or WhatsApp communication, and practical workflows for local operations. Specific integrations and regulatory requirements are confirmed during solution scoping.
- ✓Suits cooperatives, credit unions and community lenders
- ✓Contributions and repayments by cash, bank or Mobile Money are recorded with references
- ✓Regulatory reporting requirements are reviewed during scoping
Local payment realitiesCash, bank and Mobile Money workflows can be assessed for your setup.
Branch-level visibilityDiscuss location-based access, reporting and management controls.
TondeSoft · Ghana
Local understanding. Connected business systems.
A day with SACCO / MicrofinanceERP
See how a typical day flows
A member applies for a loan, the loan officer checks savings and guarantors, the credit committee approves in the system, the cashier disburses, and the repayment schedule is generated automatically with arrears flagged on the due date.
Illustrative scenario. Actual workflows are configured with your team during implementation.
Who uses it
One system, the right view for every role
Role-based access helps each person see and do what their job requires.
Manager / Board
Monitors portfolio quality, liquidity and approvals.
Loan Officer
Appraises applications and follows up repayments.
Teller / Cashier
Records deposits, withdrawals and loan repayments.
Accountant
Reviews ledgers, income and period-end reporting.
More capabilities
Built for the details of your industry
Member Onboarding
Register members, collect KYC and assign member numbers.
Savings & Shares Products
Configure product types, minimum balances and rules.
Loan Products & Schedules
Set interest methods, tenors, fees and repayment schedules.
Guarantors & Collateral
Record guarantors and security attached to a loan.
Group Lending
Support group-based lending and meeting collections.
General Ledger & Statements
Post transactions to accounts and print member statements.
Reports & insight
Reports your management team can act on
- ✓ Portfolio at risk and arrears ageing
- ✓ Member savings and share balances
- ✓ Loan disbursements and repayments
- ✓ Interest and fee income
- ✓ Approval history by officer
- ✓ Daily cash and transaction summary
Dashboard image is illustrative. Report content is agreed during implementation.
Your workflow, step by step
From first task to final report in 5 connected steps
- 1
Onboard members
Record KYC, shares and savings products.
- 2
Collect savings
Post deposits and shares with receipts.
- 3
Appraise loans
Check savings, guarantors and repayment ability.
- 4
Approve & disburse
Move applications through approval stages and disburse.
- 5
Recover & report
Monitor repayments, arrears and portfolio quality.
Is it right for you?
This fits if…
- ✓You run a SACCO, credit union or microfinance business
- ✓You need a clear loan approval trail
- ✓You want faster member statements
- ✓You report to a board or regulator
What you will need
To get started
- ●A PC or tablet for tellers and loan officers
- ●Member list and current balances
- ●Your loan products and policies
Exact hardware and connectivity are confirmed during your consultation.
Your first win
What you can expect early
Generate a clean arrears report by age bracket.
- ✓ Guided setup with your team
- ✓ Your data imported where possible
- ✓ Staff training and ongoing support
Scope and timelines are agreed after consultation.
How it works
From daily transactions to management insight
A practical operating cycle helps your team capture work consistently and gives management a clearer view of what is happening across the organization.
1
Register
Capture the people, products, services, locations or jobs your operation needs to manage.
2
Process
Move each transaction through the appropriate operational steps with clear responsibility and status.
3
Monitor
Review activity, exceptions, balances and performance using consolidated operational views.
4
Improve
Use reports and historical records to identify bottlenecks, control costs and plan next actions.
Your operation
One clearer picture.
Organized records. Connected processes. Better oversight.
Made to fit your organization
Your business is unique. Your software should reflect that.
During consultation, TondeSoft can review your current processes, reporting needs, branches, staff roles and deployment preferences to define the right configuration for SACCO / MicrofinanceERP.
- ✓ Review of your current operating workflow
- ✓ Discussion of modules, user roles and approvals
- ✓ Data migration and deployment planning, where required
- ✓ Staff orientation, support and future enhancement planning
Discuss your requirements
Tell us how your organization works. We will help identify the most suitable modules and implementation approach.
Talk to a TondeSoft ConsultantVisibility & control
Make informed decisions with organized information
Review transaction history, outstanding tasks, operational activity and management summaries in a structured way. Reporting options can be agreed during implementation to reflect the indicators that matter to your team.
Deployment conversation
Start with the requirements that matter most
Whether you operate one location or multiple branches, discuss users, data, devices, integrations, hosting and support needs with our team before deployment.
Request product information ↗Frequently asked questions
Planning your SACCO / MicrofinanceERP implementation
A few practical answers to help your team take the next step.
Can we configure our own loan products?+
Interest method, term, fees and approval stages can be configured to match your policies.
Can members receive statements?+
Printable statements and notifications can be configured.
Does it support group lending?+
Group-based products and meeting collections can be configured.
Can interest be calculated different ways?+
Flat and reducing-balance approaches can be configured.
Can we run different loan products?+
Yes. Interest, terms and fees can be set per product.
Can members see their own balances?+
A member view or statement delivery can be configured.
Can we reconcile bank and Mobile Money?+
Reconciliation workflows can be set up.
Can the system support more than one branch or location?+
Multi-location requirements can be reviewed during configuration, including user access, location-level activity and consolidated management reporting.
Can the system be adapted to our existing workflow?+
Yes. TondeSoft can review your current process, required approvals, reports and user roles to define the appropriate implementation scope.
How do we get pricing and a demonstration?+
Contact the TondeSoft team with your organization type, number of users and key requirements. We can then arrange a product discussion and provide a suitable proposal.
Take the next step
Ready to explore SACCO / MicrofinanceERP?
Request a tailored walkthrough, discuss your business requirements and find out how TondeSoft can help streamline your operations.