Prudential oversight for modern SACCOs
Keep your existing core banking system. Connect SacComply to continuously calculate SASRA capital ratios, classify loan provisioning, simulate risk shocks, and generate audit-sealed returns before the 15th.
Surplus buffer: +KES 60.0M above statutory floor.
KES 175.0M short-term treasury & bank balances.
94.2% Performing advances under 30 days.
Direct Core Banking Sync Active
General Ledger Ingested at 04:00 EAT • 14,820 member loan accounts classified.
Defensible compliance your Board and SASRA will respect
When regulatory inspectors from SASRA or external auditors arrive, SacComply equips your CEO, Board Audit Committee, and compliance officers with instant, cryptographically sealed evidence packs.
One-Click Pre-Inspection Dossier
Generate complete balance sheet reconciliation, loan classifications, and capital computations in 3 seconds.
Supervisory Committee Executive Portal
Restricted high-level governance views for non-executive directors without exposing raw member records.
Built for the reality of Kenyan SACCOs
Three core pillars designed to eliminate compliance friction.
Zero Spreadsheet Chaos
Manual Excel formulas break. SacComply automatically pipes GL data from Banker360, Temenos, Finacle, or MicroFin directly into validated SASRA statutory returns.
LINA AI Copilot
Ask any question about Sacco Societies Act, Clause 490B, or Gazetted Prudential Guidelines. LINA analyzes your real-time balance sheet and cites the exact regulation clause.
Immutable Evidence Vault
Every monthly return is cryptographically signed with a SHA-256 hash and archived for 7 years. Tamper-evident proof for SASRA, external auditors, and court defensibility.
Test your SACCO's capital ratios
Adjust asset and capital figures to see how SacComply evaluates compliance in real-time.
Required minimum for Deposit-Taking is 10.0%.
Required statutory liquidity floor is 15.0% of withdrawable deposits.
Complete SASRA Return Suite
Forms 1 through 11 automatically drafted, cross-checked, and exported.
Capital Adequacy Return
Calculates Core Capital to Total Assets, Institutional Capital, and Core Capital to Deposits ratios against statutory thresholds.
Automated Return Dossier
Ready for instant officer sign-off & portal upload.
Instant clause-level answers to statutory queries
Never get stuck interpreting complex regulatory circulars. LINA AI is trained on all SASRA regulations, Kenya Gazette notices, and Sacco Societies Act amendments to deliver authoritative guidance directly to your compliance officers.
“What is the maximum single borrower exposure cap for a board director?”
Engineered to Kenya's SASRA Framework
Deterministic compliance algorithms strictly adhering to gazetted legal standards.
Sacco Societies Act (Cap 490B)
Primary Legislation
Strict automated enforcement of statutory capital ratios, liquidity thresholds, and single-borrower/insider exposure caps under Kenyan law.
Gazetted SASRA Prudential Guidelines
Statutory Schedules
Deterministic computation of Forms 1 through 11, loan portfolio aging (Performing to Loss), and quarterly risk-weighted capital charges.
Kenya Data Protection Act (KDPA 2019)
Data Privacy & Security
Tenant-isolated databases, 256-bit AES cryptographic encryption at rest, and audit logging adhering to Office of the Data Protection Commissioner (ODPC) guidelines.
Core Banking Interoperability
Financial Infrastructure
Direct automated ingestion pipelines for Banker360, Temenos, Finacle, MicroFin, and Safaricom M-Pesa B2B settlement feeds.
Eliminate SASRA return anxiety before the 15th
Automate your capital adequacy, liquidity statements, and Form 1–11 statutory filings with defensible cryptographic evidence trails.