Everything your cooperative needs
From member registration to a balanced general ledger — Coopera covers the full SACCO lifecycle.
Member management
Registration, KYC, groups and member IDs — a clean register at the heart of your SACCO.
Shares & savings
Share capital, savings products, fixed deposits and standing orders with real double-entry postings.
Loan engine
Products, applications, appraisal, guarantors, collateral, disbursement and repayments with configurable approvals.
Accounting & GL
A real double-entry ledger: trial balance, income statement, balance sheet and vouchers.
Dividends & reports
Dividend runs, portfolio-at-risk, delinquency and regulatory returns — exportable to Excel & PDF.
Multi-branch
Head office sees everything; each branch sees only its own. Branch-scoped roles and data.
Roles & approvals
Enterprise RBAC with maker-checker, four-eyes and configurable approval limits.
Mobile-ready
Offline-capable member and field-officer apps, biometric login and a digital membership card.