From member registration to loan portfolios and real-time dashboards, Wanaag delivers a single, integrated platform that runs every part of your SACCO with the discipline, transparency, and reporting members and regulators expect.
A single integrated workflow runs the whole member journey: registration, contributions, loans, repayments, and withdrawals. Every transaction stays connected to the member record and rolls up into real-time financial reporting.
Every member is assigned a unique membership number, with personal information, contact details, identification documents, next of kin, and account information captured in a complete profile. This is the single source of truth that drives every downstream SACCO operation.
The system automatically generates contribution invoices based on the SACCO's savings schedule or contribution policy. As payments come in, they're recorded against the corresponding invoices, ensuring every contribution is accurately tracked while maintaining a complete financial history for each member.
Loan applications are created and managed in-system, capturing the loan amount, repayment terms, interest rate, and assigned guarantors. Each application follows the SACCO's approval workflow, ensuring every request is reviewed in line with lending policies before any funds are released.
Once approved, the loan is disbursed and the system automatically generates the corresponding loan bill. The bill represents the amount owed and serves as the basis for repayment tracking, including principal, applicable interest, schedule, due dates, and any additional charges.
As members repay, payments are recorded against the corresponding loan bills. The system automatically updates the outstanding balance, tracks principal and interest separately, and maintains a real-time loan status, giving both the SACCO and its members complete visibility into repayment progress.
When a member exits the SACCO, a withdrawal request is initiated in-system. Savings, shares, and any outstanding obligations are reviewed before approval. Once approved, the withdrawal is processed and the member's records and financial statements are automatically updated to reflect the transaction.
Interactive dashboards give management a live view of SACCO performance. Member growth, savings, capital shares, loan portfolio, repayments, withdrawals, and overall financial position — all in one place, ready to inform decisions.
Wanaag builds the SACCO platform on Odoo's core ERP modules plus a custom SACCO layer, giving you a complete, integrated, and proven foundation that scales as your membership grows.
SACCOs aren't generic SMEs. They have specific governance, reporting, and member-trust dynamics that the wrong system will undermine. Wanaag builds for what SACCOs actually need.
Every contribution, loan, repayment, and withdrawal stays linked to a single member record, so member statements, governance reports, and audit trails are accurate by construction.
Daraja-integrated payment matching, automated bank statement imports, and clean reconciliation workflows — we've done this for hardware retailers, hospitals, and SACCOs, and we know where it breaks.
Your lending policy isn't a checkbox. We configure multi-stage approvals, guarantor capacity checks, and exception handling so the system enforces governance, not bypasses it.
Statutory reports, board packs, and member statements come out of the box. Auditors see clean ledgers, complete trails, and supporting documents linked to every transaction.
A 30-minute conversation: tell us how your SACCO operates today, and we'll walk you through exactly what Odoo plus our SACCO layer would look like for you.
Nairobi · Active across East & Southern Africa