Membership
- Member registration with photo and ID capture
- Next of kin and beneficiary records
- Share capital purchase and transfer
- Membership status, suspension and exit processing
- Member portal to check balances and statements
Product Loans, Savings & SACCO Management
Pearl SACCO
Members, savings, loans and interest — accurate to the shilling.
PearlSACCO replaces the ledger books and the spreadsheet. It tracks every member’s savings and shares, originates and schedules loans, calculates interest automatically, and produces the statements and reports your committee and regulator ask for.
Member & share register
Savings & deposits
Loan scheduling
Automatic interest
Mobile money
Statements
At a glance
- TypeLoans, Savings & SACCO Management
- DeploymentCloud or on-premise
- AccessAny web browser
- Setup time2 – 6 weeks
- TrainingOn site, included
- SupportPhone, WhatsApp, email
Running without it
Interest recalculated by hand. Arrears nobody spots until it is too late. A committee meeting spent arguing about whose figures are right.
After the switch
One authoritative record per member, schedules the system generates itself, and month-end reports produced in minutes.
What is inside
Modules and capabilities
Every deployment is configured to your operation — modules you do not need are simply switched off.
Savings & deposits
- Multiple savings products with individual rules
- Compulsory and voluntary contributions
- Fixed and target savings accounts
- Interest on savings calculated automatically
- Withdrawal requests with approval workflow
Loans
- Loan products with configurable rates and terms
- Application, appraisal and committee approval workflow
- Guarantors, collateral and security registers
- Automatic repayment schedules and amortisation
- Flat and reducing-balance interest methods
- Penalties, restructuring and write-offs
Collections & arrears
- Repayment posting from cash, bank or mobile money
- Ageing and arrears classification
- Automated SMS and email reminders
- Field officer collection sheets
- Portfolio-at-risk reporting
Accounting & reporting
- Double-entry general ledger and chart of accounts
- Trial balance, income statement and balance sheet
- Member statements and loan certificates
- Dividend and interest-on-share computation
- Regulatory and AGM report packs
Controls
- Role-based access for tellers, officers and management
- Maker–checker approval on sensitive transactions
- Complete, immutable audit trail
- Daily cash reconciliation and till balancing
- Encrypted backups
Who it is for
Pearl SACCO fits businesses like these
SACCOs
Share capital, dividends, AGM reporting and committee approval workflow.
Savings groups & VSLAs
Cycle-based savings, group contributions and share-out calculations.
Micro-finance lenders
Loan products, field officers, arrears management and portfolio risk.
Staff & church welfare funds
Payroll-deducted contributions and internal member lending.
What you get with every deployment
A product, not just a download
Configured to your business
Every deployment is set up around your products, fee structures or loan rules — not a generic install.
Cloud or on-premise
Host with us, on your own server, or on a local machine where the internet is unreliable.
Staff trained on site
We train your team on the real system with your real data before you go live.
Support that answers
Local support by phone, WhatsApp and email, from the people who built the system.
Grows with you
Add branches, users or modules later without starting again.
Your data stays yours
Full export at any time, and scheduled backups you can hold a copy of.
Related work
DewDreams SACCO
A credible public face for a savings organisation, where members and prospective members can learn how the SACCO works and get in touch.
Read the case detailsYes, and it is set per loan product, so different products can use different methods within the same SACCO.
Yes. There is a member portal, and SMS balance notifications can be enabled.
Yes — MTN and Airtel collections and disbursements can be integrated so repayments post automatically.
Yes. We import members, share balances, savings and outstanding loan balances from Excel or your current system, then run a parallel period to prove the figures match.
Also from Pearl Tech
Our other products
Pearl POS
A point of sale and inventory system for shops, supermarkets, pharmacies, hardware stores and wholesalers — with live stock, cashier accounts and daily reporting.
Pearl School
A school management system covering admissions, students, classes, attendance, examinations, report cards, fees and parent communication.
LANA SMS
A bulk SMS platform for campaigns, alerts and OTPs to MTN and Airtel numbers across Uganda — with contact management, real-time delivery tracking and a REST API, on pay-as-you-go credit.
See Pearl SACCO running on your own numbers
We will walk you through the system, load a sample of your real data, and give you a written quotation sized to your business.