Custom-fit software
Software that fits your SACCO — not software your SACCO must fit
Most SACCO software is built for a generic cooperative and then adapted — bolting on local requirements as an afterthought. PAON was designed from day one around Kenyan SACCO regulations, M-Pesa workflows, and the real operational demands of credit officers and finance managers.
The result is a system where every screen, every workflow, and every report maps directly to a task your team already does — reducing training time, cutting errors, and giving management real-time visibility over the SACCO's financial position.
Schedule a Free ConsultationCore Modules
Six modules. One platform.
Member Management
Full member lifecycle — onboarding, KYC verification, share capital tracking, next-of-kin records, and exit processing. Every member's complete financial history in a single view.
Contribution Tracking
Automated reconciliation across M-Pesa, bank transfers, and payroll deductions. Real-time dashboards for officers and a self-service member portal for balance inquiries and contribution history.
Loan Origination & Approval
End-to-end digital loan processing — online application, automated eligibility checks, guarantor management, credit committee workflow, disbursement scheduling, and repayment tracking.
Financial Reports
SASRA-compliant balance sheets, income statements, loan portfolio aging, and delinquency reports — generated on-demand and exportable to PDF or Excel. No manual spreadsheet assembly.
Audit Trail
Every data change — who made it, when, from which device — is logged and tamper-proof. Supports internal audits and regulator access with filterable, exportable logs.
PWA — Offline-first
PAON runs as a Progressive Web App — installable on any device, functional without an internet connection, and syncs automatically when connectivity is restored. No app store required.
Live Demo
See PAON in Action
A 90-second walkthrough of the member dashboard, loan approval flow, and reporting module.
Interface Preview
Designed for clarity
Member Dashboard — real-time overview of contributions, loans, and share capital for any member.
Loan Application — structured digital form with automated eligibility feedback before submission.
Financial Reports — SASRA-compliant reports generated on demand, ready to export.
Screenshots shown are representative mockups. Live product screenshots available during your consultation.
Ready to see PAON running for your SACCO?
No lengthy pitch — just a focused conversation about your SACCO's needs and a live walkthrough.
Schedule a Free Consultation