Repayments that land
M-Pesa, bank and employer check-off matched to the right member and loan. Anything uncertain waits in suspense for a person, with a suggested member, instead of being guessed.
Every shilling where it belongs.
Sawazi works beside your SACCO's core banking system. It matches repayments to the right member, puts arrears in order of who to call first, takes loan applications and guarantor consent online, and turns it all into the risk view and board pack your committee needs.
Collections in order
Loans in arrears ranked by how much acting now recovers, with plain messages ready to send once a staff member approves them.
Loans without paper
Applications appraised against your products' rules, decided with maker-checker, and guarantors asked by SMS link or USSD. Approved loans go to your core system to disburse.
Risk you can see
Portfolio at risk, guarantor exposure and warning signs, a monthly board pack, and working papers for SASRA returns.
For members
See your deposits, loans and exactly how to pay, answer guarantor requests, and apply for a loan, in English or Kiswahili, from your phone. Your SACCO tells you when it is ready for you.
Open the member appBuilt to stay out of the way of your money
Sawazi never holds, moves or lends money. Your core banking system remains the record; Sawazi reads from it and hands decisions back to it. Every action by staff is kept in an audit log that nobody can change.