Missed repayments
Arrears should be visible early, not discovered at report time.
Loan module
SACCO Loan Management System
Kikundi Plus helps SACCOs manage the full loan lifecycle, from loan applications and guarantors to approvals, disbursement, repayment schedules, arrears tracking, and loan statements.
Mfumo wa mikopo wa Kikundi Plus unasaidia SACCO kusimamia maombi ya mikopo, wadhamini, idhini, utoaji wa mkopo, marejesho, ucheleweshaji na ripoti za mikopo.
Problem
Loan tracking needs structure
SACCO loan work becomes risky when applications, approvals, repayments, and arrears are tracked manually.
Manual loan files
Applications, guarantors, approvals, and statements need one lifecycle.
Approval control
Loan review and approval should follow the institution workflow.
Features
Loan management features
Manage products, applications, approvals, disbursements, schedules, arrears, and statements.
Loan products
Define available loan products and terms.
Applications
Track member and staff loan applications.
Approvals
Support loan officer review and manager approval.
Disbursements
Disburse from registered institution accounts.
Repayment schedules
Track installments, flexible repayments, and payment status.
Arrears and penalties
See delayed repayments and related penalty status.
Platform
From application to repayment
Keep loan workflows traceable for staff and understandable for members.
Staff loan workspace
Review applications, products, repayments, arrears, and loan reports.
Member loan status
Members can view loan status, schedules, repayments, and statements.
FAQ
Common questions
What is Kikundi Plus?
Kikundi Plus is a SACCO and vikoba management platform for members, contributions, penalties, accounts, loans, ledgers, reconciliation, reports, and statements.
Can members view their own balances?
Yes. Members can use the mobile app to view required payments, payment status, balances, penalties, loans, and statements.
Does Kikundi Plus support bank and mobile money tracking?
Yes. SACCOs can register collection and disbursement accounts, then link posted payments to references, transaction IDs, and ledger entries.
Bring loan control into one workflow
Use Kikundi Plus to manage SACCO loans from application through repayment.