pawa Loans
Log In Get started
Features Calculator How it works Pricing FAQs Articles About Us Developers
Log In Get started
SACCO · Chama · Microfinance · Built for Kenya

Run your SACCO, chama, or microfinance from one dashboard.

Loans, savings, chama contributions, MGR rotations and welfare funds - loan applications, approvals, disbursement, and M-Pesa repayment collection, across every branch, with guarantors, collateral and arrears tracking built in.

Get started Log in
Set up in minutes · No hidden fees
Data isolated per business
M-Pesa STK Push collection
Chama & group governance built in
LN000001 · Sample Loan Active
Outstanding Balance
KES42,500.00
Method
Reducing Balance
Collection
M-Pesa STK
Approved
Reviewed & signed off
STK Push Sent
Repayment posting live
SASRA-Ready
Compliance Built In
Unlimited
Branches & Roles
M-Pesa
STK Push Native
100%
Data Isolated Per SACCO

Everything a growing SACCO or chama needs

From loan application to final repayment, and from chama contributions to MGR payouts, every step is tracked, branch-scoped, and reportable.

Loan Products & Applications

Configure interest rates, terms and fees per product, then take applications through submission, review and approval.

Guarantors & Collateral

Attach guarantors and collateral to any loan, with a full audit trail of every status change from application to closure.

Amortization Schedules

Flat or reducing-balance interest, calculated automatically for daily, weekly, monthly or quarterly repayment cycles.

M-Pesa Collection

Collect repayments via M-Pesa STK Push, with automatic waterfall allocation across penalties, interest and principal.

Multi-Branch Access Control

Restrict staff to one or several branches, with 404-not-403 protection against browsing outside their assignment.

Portfolio & Arrears Reports

Track disbursements, collections, aging arrears buckets and interest income, per branch or across the whole SACCO.

HR System Integration

Sync staff records and push staff loans straight to your HR/payroll system, so check-off deductions and loan status stay in one place instead of two.

See every feature

The same calculator your members will use

Flat or reducing-balance interest, computed instantly, try the exact amortization engine that powers every loan product in the app.

Loan AmountKES 50,000
KES 5,000KES 500,000
Interest Rate (per year)12%
5%30%
Repayment Period12 months
1 month36 months
Illustrative estimate, equal monthly instalments, no fees applied. Your actual product configuration (fees, frequency, penalty rate) is set per loan product inside the app.
Monthly Instalment
KES 4,583
Total Interest
KES 6,000
Total Repayable
KES 56,000
Get started

From application to repayment

A loan's entire lifecycle, tracked in one place.

01

Apply

Register a member and submit a loan application against one of your configured products.

02

Review & Approve

An officer or approver reviews the application, guarantors and collateral, then approves or rejects it.

03

Disburse

Disburse via M-Pesa, bank or cash, the repayment schedule generates automatically.

04

Collect

Members repay via M-Pesa STK Push; penalties and overdue status are flagged automatically.

Simple, transparent pricing

One product, every feature included. Price scales with your membership, not with what you're allowed to use.

1–100 Members

KES 2,500
per month
  • Up to 100 members
  • Every feature included, nothing locked behind a higher plan
  • Unlimited branches (add-on pricing for high-branch-count setups)
  • SMS billed at actual usage
Get started

101–250 Members

KES 4,000
per month
  • Up to 250 members
  • Every feature included, nothing locked behind a higher plan
  • Unlimited branches (add-on pricing for high-branch-count setups)
  • SMS billed at actual usage
Get started

251–500 Members

KES 5,000
per month
  • Up to 500 members
  • Every feature included, nothing locked behind a higher plan
  • Unlimited branches (add-on pricing for high-branch-count setups)
  • SMS billed at actual usage
Get started

501–1,000 Members

KES 8,000
per month
  • Up to 1,000 members
  • Every feature included, nothing locked behind a higher plan
  • Unlimited branches (add-on pricing for high-branch-count setups)
  • SMS billed at actual usage
Get started

1,001–2,000 Members

KES 12,000
per month
  • Up to 2,000 members
  • Every feature included, nothing locked behind a higher plan
  • Unlimited branches (add-on pricing for high-branch-count setups)
  • SMS billed at actual usage
Get started

2,001+ Members

Custom
talk to us
  • Every feature included, same as every other plan
  • Volume pricing for large membership
Contact us

Plus a one-time KES 15,000 setup & onboarding fee, charged once when you first subscribe.

Trusted by SACCOs and chamas across Kenya

Finance teams, loan officers, and chama treasurers run their whole portfolio from here.

★★★★★
"We used to reconcile M-Pesa payments by hand every evening. Now repayments post themselves the moment a member pays."
FM
Finance Manager
Nairobi-based SACCO
★★★★★
"Branch-level access control was the deciding feature, our officers only ever see their own branch's members."
OM
Operations Manager
Multi-branch SACCO
★★★★★
"Setup took an afternoon. Arrears reporting alone paid for the subscription in the first month."
LO
Loan Officer
Savings & Credit Cooperative

Frequently asked questions

Can't find what you're looking for? Get in touch.

A lot of what eats staff time today, matching M-Pesa payments to the right member, calculating loan interest by hand, reconciling a spreadsheet at month-end, is automatic here: payments post straight to the right account, interest and repayment schedules are calculated for you, and every transaction lands in a real ledger the moment it happens, not at end-of-day reconciliation.
Yes, members get their own portal to check savings, loan balances, and statements, and apply for a loan or make a repayment via M-Pesa, without a trip to the office or a call to staff. Staff spend less time on routine "what's my balance" questions.
Every deposit, repayment, and adjustment posts through a real double-entry ledger with role-based permissions and a full audit trail, who did what, and when. That removes the two biggest sources of disputes in a manually-run SACCO: a formula error in a shared spreadsheet, and no clear record of who changed a figure.
Most SACCOs are taking applications within a day, create your branches, configure a loan product's rate and term, and you're ready to onboard members.
You can migrate existing members with their savings, share, and loan history intact, you don't lose the record that got you to today. Your data is yours, and you can export it at any time.
Yes, repayment collection connects to your own M-Pesa channel, so funds land directly with you, not a shared intermediary account.
Because every transaction runs through a real accounting ledger from day one, the figures a SASRA return needs, capital, deposits, loan portfolio, are already accurate and current rather than something to assemble under deadline. We don't claim to file returns for you, but the underlying records are audit-ready.
Completely. Every SACCO's members, loans, and reports are scoped to that business alone, there is no shared visibility between tenants.
Both. Chama-specific features, contributions, merry-go-round rotation, welfare funds, sit alongside full SACCO-grade savings and loan accounting, so a chama that later formalises into a SACCO doesn't have to switch systems to do it.
It's built around the workflow SACCO staff already do, register a member, record a contribution, approve a loan, not a generic enterprise tool bolted onto SACCO terminology. Most staff are comfortable within their first few days of real use.
Choose a plan and pay via M-Pesa STK Push, nothing is charged automatically without your action.
Yes, with per-branch access control for staff and branch-scoped reporting, so an officer only ever sees the branch(es) they're assigned to.

Ready to bring your SACCO or chama online?

Set up your workspace in minutes.

Get started