Case Studies

Real SACCOs. Measurable results.

Deposit-Taking SACCO Mombasa, Kenya

Umoja Civil Servants SACCO

A coastal civil servants' SACCO modernised a 15-year-old system and gave its 3,100 members real-time access to their own accounts for the first time.

1,200/month self-service Member balance queries handled

3 hours → 20 minutes End-of-day reconciliation

Non-Deposit Taking SACCO Nakuru, Kenya

A farming cooperative in Nakuru reduced loan defaults by a third after moving to automated contribution tracking and structured credit scoring.

14% → 9% Loan default rate

4 days → 6 hours Monthly reconciliation time

Deposit-Taking SACCO Nairobi, Kenya

A Nairobi-based teachers' SACCO eliminated manual loan processing delays and passed their first SASRA audit without findings.

3 days → 4 hours Loan approval time

Zero SASRA audit findings

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