eSACCO runs your members, shares, savings and loans on books that balance after every transaction and cannot be changed after the fact. Every member gets an SMS receipt for every shilling, on any phone.
Grace pays UGX 50,000 into her savings at the counter.
| Account | Debit | Credit |
|---|---|---|
| 1000Cash | 50,000 | |
| 2000Member Savings | 50,000 | |
| Total | 50,000 | 50,000 |
Dear Grace, savings deposit of UGX 50,000 received. Savings balance: UGX 1,200,000 to UGX 1,250,000. Ref RCP-000482. Thank you.
What you get
Less time chasing figures, fewer loans going bad, and members who can see that their money is safe.
Every loan is checked against the member's savings and guarantor rules, approved by a second person, and followed by SMS reminders before each due date. Penalties are worked out every night, so arrears never hide.
An SMS with the old and new balance after every deposit, repayment and withdrawal. Members check their savings, shares and loans on their own phone, any time.
Every transaction posts a balanced entry to a real ledger. The trial balance, balance sheet and income statement are current at any moment, not just at month-end.
Posted transactions cannot be edited or deleted. Whoever submits a loan cannot approve it. Every sensitive action is logged with who did it and when.
Month-end and portfolio-at-risk reports, member statements and the share register, ready to print or open in Excel.
Post a whole group meeting from one collection sheet. Send the employer's payroll office a check-off schedule every month.
How it works
A made-up SACCO on an ordinary day. Every step is something eSACCO does today, most of them without anyone lifting a finger.
01:00
While the office is closed, eSACCO charges overdue installments at the rate your SACCO set. Nobody calculates arrears by hand.
Overdue charges accrued
08:00
Every member with a repayment due in the next three days, or already late, gets an SMS. Nobody had to make a list.
Repayment reminders sent
09:14
The teller posts UGX 50,000. Before Grace reaches the door, her phone shows the receipt and her new balance.
Savings balance: UGX 1,250,000
11:00
His loan officer submits the application. eSACCO checks it against his savings and the product's guarantor rules before it can go any further.
Savings limit and guarantors checked
11:40
Sarah, the manager, approves it from her phone. On disbursement the repayment schedule is created and the ledger is posted in the same step.
Approved by a second person
16:00
A field officer posts the Nyamitanga Market Women's Wednesday meeting from one collection sheet. Every member gets her own receipt.
24 rows posted, 24 receipts sent
17:30
The cashbook shows every shilling in and out today and who handled it. The trial balance ties to zero, as it has after every transaction.
Trial balance difference: UGX 0
Month end
Balance sheet, income statement and portfolio at risk come straight from the ledger, in Excel if the treasurer wants it. Nobody stayed late to prepare them.
Month-end report ready
Who it is for
From a 40-member church SACCO on Starter to a licensed Tier 4 lender on Professional. Same ledger, same controls.
Off the exercise book and onto a system the whole committee can trust. Collection sheets post a whole meeting's savings and repayments in one go.
Starter
Payroll check-off schedules in Excel, ready for the employer's payroll office every month. Loan limits set as a multiple of each member's savings.
Growth
A setup fee a parish SACCO can actually pay. Every member gets an SMS for every shilling, which is how trust in a group fund is built.
Starter or Growth
Maker-checker on every loan, an audit log on every sensitive action, and portfolio-at-risk ageing your board can read on one page.
Professional
Pricing
Predictable from day one, so your treasurer can budget for it.
UGX 250,000once
Covers setting up your SACCO, moving your records from Excel or paper, and half a day of training for your staff. It is priced so that a parish or village SACCO can afford to start.
Village, church and school SACCOs getting off paper.
UGX 60,000 / month
Up to 100 members
Start 30-day trialTeacher, staff and market SACCOs with a full-time office.
UGX 100,000 / month
Up to 500 members
Start 30-day trialLarge SACCOs and Tier 4 MFIs with several loan officers in the field.
UGX 150,000 / month
Unlimited members
Start 30-day trialPrices in Uganda shillings, VAT exclusive. SMS credit is billed at cost. Weighing up quotes? Read our buyer's guide.
Every plan
Plans differ only by how many members you have. Every feature below is live today.
Who sets you up
eSACCO is built and supported by Joshtecs Solutions in Mbarara. We do not hand you a login and disappear: we move your records, train your staff, and stay close after you go live.
A 30-minute walkthrough with your manager and treasurer, on WhatsApp video or in person in Mbarara.
Send us your member register, savings balances and running loans in Excel or photos of the ledger. We load them.
Half a day with your tellers and loan officers. Your first real transactions happen in the training.
Members receive their first SMS receipts. Your board gets the first month-end report from the system.
After go-live, questions go straight to the people who built eSACCO, on WhatsApp or by email. No call centre, no ticket number.
Built in the open
In the order we expect to ship it. Need one of these before you can switch? Tell us. Pilot SACCOs set the order.
Risk classes from your arrears ageing, provisions posted to the ledger, daily cash counts and year-end close.
Balance, mini-statement and loan position from any phone, with no data bundle.
Members pay contributions by mobile money from a link. Staff review each payment before it posts.
Savings to shares, to a fixed deposit or to a loan repayment, in one balanced entry.
Several bank accounts and the mobile money float, matched against statements.
Capital and liquidity ratios with early warnings, and the quarterly risk classification return.
FAQ
Yes, it is part of the UGX 250,000 setup. Send us your member register, share and savings balances and running loans, in Excel or as photos of the ledger. We load them and walk you through the opening balances before you go live.
No. SMS receipts and reminders reach any phone. Members with a smartphone can also check balances, shares and loans in the browser at your SACCO's own address, signing in with a code sent by SMS. There is no app to install. USSD for feature phones is on the roadmap.
Pages you have already opened stay readable, and staff can install eSACCO on a phone or computer like an app. Posting money needs a connection, because the server checks every transaction before it reaches the ledger. That check is what keeps your books balanced.
Yes. eSACCO is built on Yo! Uganda for MTN and Airtel collections and payouts, and every confirmation is matched once and only once. We switch it on during setup for SACCOs that want it.
Only your staff, each with a role: administrator, manager, loan officer, teller, or a read-only viewer for board members and auditors. Every login is locked to your SACCO, and sensitive actions are recorded in an audit log.
Yes. The member register, share register, member statements, cashbook and every report export to Excel.
Yes. Your SACCO gets its own address, like yoursacco.esacco.org, with your name and logo on the sign-in page.
Tier 4 institutions use the Professional plan for the ledger, audit trail and portfolio reports. The UMRA prudential ratio dashboard and quarterly returns are on our roadmap and are not in the product yet. Ask us where they stand.
By mobile money or bank transfer, monthly or yearly. Prices are in Uganda shillings, VAT exclusive.
Mbarara. We do demos in person in Mbarara, or on WhatsApp video anywhere in Uganda.
Bring one month of your records to the demo. We load them live, then run your month-end report in front of you.
Book a demo