Bank-Grade Core Operating System for Kenyan SACCOs
Scalable multi-tenant core banking software by ChamaFlow with automated BOSA & FOSA ledger segregation, SASRA PAR delinquency monitoring, and high-volume M-Pesa B2C disbursements.
BOSA & FOSA Segregation
Full dual-tier accounting supporting non-withdrawable share capital (BOSA) and instant liquid transactional savings accounts (FOSA) with automatic dividend distributions.
Cross-Pledge Security
Algorithmic validation preventing members from over-guaranteeing multiple loans. Free balance collateral stays strictly locked until the borrower pays down the facility.
SASRA Supervisory Returns
Auto-generated Form 1 (Financial Position), Form 2 (Comprehensive Income), Form 3 (Capital Adequacy), and Form 4 (Liquidity Statement) pre-formatted for submission.
Full Compliance with Kenya Data Protection Act & SASRA
Multi-tenant data isolation ensures your members' financial records are strictly isolated, encrypted at rest, and inaccessible to unauthorized actors.