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SACCOs & Microfinance
Procurement governance, asset registers, branch operations, and expense discipline for member-owned institutions.
10 articles in SACCOs and microfinance.
SACCOs & Microfinance 15 min
The Ratio Nobody Has Defined
Cost-to-income is the one ratio every SACCO board knows and almost none can defend. Most societies could move theirs five points through classification alone — which means the number currently carries no information.
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SACCOs & Microfinance 15 min
Opening a Branch Is a Project, Not a Budget Line
Two years on, somebody asks what the branch cost and nobody can say. A budget line fragments by category and resets at year end; a project holds the whole thing — with two gaps worth planning for.
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SACCOs & Microfinance 14 min
The Contract Nobody Owns Renews Itself
Procurement controls fire when somebody raises a requisition. A contract renewing automatically raises none — so twenty obligations escalate quietly at whatever clause fourteen says.
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SACCOs & Microfinance 14 min
The Passbook Is Money Until It Isn't
Passbooks, receipt books and cheque leaves are accountable documents, not consumables. A stock count that agrees on quantity while nobody knows which numbers went where is not a control at all.
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SACCOs & Microfinance 11 min
Staff Costs in a SACCO: Payroll, Allowances & the Wage Bill You Can Explain
The largest controllable expense, paid from members' money, discussed in front of the members. Date-effective statutory rules, allowances that need a record made before payment, and presenting a wage bill as four drivers rather than one total.
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SACCOs & Microfinance 11 min
The AGM and the Audit: Records Members Will Question
The questions that cause trouble at a SACCO AGM are almost never about the loan book. Preparing the four predictable ones with evidence created during the year, and why a depreciation schedule cannot answer where the vehicle is.
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SACCOs & Microfinance 9 min
SACCO Operations Beyond the Core Banking System (2026)
The core system runs the loans; nothing runs the rest. Procurement, assets, branch expenses, and payroll — where member money leaks and governance is tested.
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SACCOs & Microfinance 8 min
SACCO Procurement Governance: Tender Committees, Thresholds & Member Money
The AGM question is never subtle: who supplied, at what price, who else quoted? Thresholds, conflict-of-interest discipline, and files that answer for themselves.
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SACCOs & Microfinance 8 min
SACCO Asset Registers & Branch Operations: Beyond the Depreciation Schedule
The auditor's schedule says what was bought; nothing says where it is. Fleets, branch fit-outs, ICT custody, repossessed collateral, and the register that survives elections.
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SACCOs & Microfinance 8 min
SACCO Expense Control: Protecting the Dividend Line
Every operating shilling is a dividend shilling that left early — live budget envelopes, sitting allowances done properly, and the monthly five-number review.
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