Sacore Lite – Employee-Based SACCO Management System
Sacore Lite is designed for employee-based and institutional SACCOs that want structured control over savings and lending - without depending on payroll integration. It strengthens governance, enforces policy (including the 1/3 rule), and provides a member portal for transparency.
What Sacore Lite Fixes
Employee SACCOs often run critical operations on spreadsheets, informal approvals, and weak guarantor oversight. Sacore Lite replaces that with policy-driven automation.
Manual savings tracking
Real-time balances, statements, and contribution history - no spreadsheets.
Weak guarantor oversight
Exposure tracking and rule enforcement prevents over-commitment.
Poor 1/3 rule enforcement
Non-compliant loans cannot be approved - policy is enforced automatically.
Employment & Net Pay Management (No Payroll Dependency)
Sacore Lite supports controlled tracking of employee net pay to accurately determine loan eligibility.
- Manual entry of current net pay (controlled).
- Net pay history tracking.
- Editable with audit trail.
- No payroll integration required.
- Supports affordability and take-home calculations.
- Clear accountability on who edited net pay and why.
- Eligibility decisions are evidence-based.
- Stronger compliance with internal lending policies.
- Reduces disputes and approval friction.
Savings Management
Transparent tracking for mandatory and voluntary contributions with statements and workflows.
- Mandatory and voluntary savings contributions.
- Real-time savings balances.
- Withdrawal request workflow (optional approvals).
- Savings statements generation.
- Contribution history tracking.
- Members see balances without visiting the office.
- Clear statements reduce disputes.
- Improved trust and transparency.
- Reduced admin workload.
Structured Loans + 1/3 Rule Enforcement
Standardize lending: application → eligibility → guarantors → approvals → disbursement → schedules → tracking.
- Loan application submission.
- Automated eligibility validation.
- Guarantor nomination workflow.
- Management review and approval.
- Loan disbursement recording.
- Full audit trail across stages.
- Automatic repayment schedule generation.
- Installment tracking with partial payments support.
- Outstanding balance monitoring.
- Early clearance support.
- Arrears tracking and monitoring.
Sacore Lite validates that loan deductions do not reduce take-home pay below one-third of net pay. Non-compliant loans cannot be approved - protecting members and reducing default risk.
Guarantor Requirements & Exposure Control
Configurable guarantor policies per loan type with active exposure monitoring.
- Define number of guarantors per loan type.
- Set exposure limits and eligibility rules.
- Loan category policies stored as data.
- Flexible without custom development.
- Tracks total guaranteed amount per member.
- Prevents over-commitment automatically.
- Guarantor exposure reports.
- Supports responsible lending and stability.
Member Self-Service Portal
Empower members while reducing administrative workload.
- Total savings balance visibility.
- Active loan balances and repayment schedules.
- Next due installment.
- Guarantor commitments visibility.
- Statements download (optional).
- Fewer office visits and calls.
- Better transparency and trust.
- Faster servicing for members.
- Reduced admin overhead for staff.
Dashboards & Reporting
Operational visibility for management and committees.
Frequently Asked Questions
Quick answers for employee-based SACCOs.
Book a Sacore Lite demo
See net pay tracking, savings, lending workflows, guarantor exposure controls, 1/3 rule enforcement, member portal, and reporting.