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The operational half
Govern the spending your core banking system never sees.
SACCOs use AWRA for the operations around the loan book: procurement with quotations on the record, asset registers with named custodians, branch budgets and expenses, staff payroll, and member queries on an SLA clock. Member accounts stay in your core banking system.
Procurement software for SACCOs
The problem
A SACCO’s core banking system knows every member’s balance and nothing about the vehicles, fit-outs and allowances that member money pays for.
The AGM question
Who supplied the vehicles, at what price, and who else quoted — answered from memory.
A register that exists on paper
The balance sheet lists the assets; nobody can say where half of them are.
Branch spending on trust
Expenses are reviewed at year-end, when the variance is already history.
How AWRA solves it
What SACCOs & Microfinance teams get.
Member queries become tickets with an owner, a category SLA and an escalation path, and the SLA report shows which were met.
Put procurement requests and stock write-offs through one Approvals Hub, with each decision written to a tamper-evident audit log.
Answer the AGM question — who supplied it, at what price, who else quoted — from the RFQ and quotation comparison stored against the purchase.
Keep vehicles, branch fit-outs and ICT on a register with a named custodian, a location and a movement history.
See committed spend per branch and department from approved purchase orders, with an over-budget request flagged to the approver.
Pay staff and allowances through payroll with PAYE, NSSF, SHIF and the housing levy computed, so allowances are taxed on the record rather than paid in envelopes.
Quotation evidence
Supplier responses compared and kept against the purchase they led to.
Asset register
Vehicles, fit-outs and ICT with a custodian, a location and a history.
Spend on the ledger
Operating spend posted where finance and the board can review it.
Typical workflow
The routines AWRA runs for SACCOs & Microfinance.
Branch purchase with quotations
- 1 Raise the request against the branch budget
- 2 Invite quotations through an RFQ
- 3 Compare responses and approve
- 4 Receive, match the invoice and pay
Asset verification round
- 1 Schedule the round by branch
- 2 Confirm custodian, location and condition
- 3 Record what was not found
- 4 Reconcile the register to the financial schedule
Committee review
- 1 Grant a role built from view permissions
- 2 Sample procurement files end to end
- 3 Check the register against the last round
- 4 Raise findings as tracked tasks
Modules used
What a saccos & microfinance workspace runs on.
RFQs & Quotation Comparison RFQs and quotation comparison kept against each purchase See the module Asset & Plant Registers Vehicles, fit-outs and ICT with named custodians See the module budget controls Committed spend per branch and department See the module HR & Payroll Staff payroll and allowances with statutory deductions See the module
Example organisation
A five-branch deposit-taking SACCO
An illustrative profile, not a named customer
Where they are today
Head office and five branches, a fleet of eight vehicles, and procurement files kept in ring binders at head office.
Where they would start
They would start with a branch-by-branch asset count to build the register, then run every new purchase through RFQ and quotation comparison from day one.
What changes after implementation
Before and after, in the routines you already run.
| Before | After |
|---|---|
| Quotations filed in a binder | Quotations compared and stored against the purchase |
| An asset schedule nobody can reconcile | A register with a custodian and location for every asset |
| Branch spending reviewed at year-end | Committed spend per branch visible as orders are approved |
| Allowances paid in cash | Allowances through payroll with deductions computed |
How the rollout goes
1
Start with the asset register and procurement — the two areas an inspection samples first — before branch budgets and payroll.
2
A supervisory committee works through a custom role built from view permissions. Reading the audit log currently sits behind the workspace-settings permission, so decide deliberately who holds that rather than granting it to the committee by default.
3
Member registers, savings, share capital, loans and dividends are not in the product, and we would rather sit beside your core banking system than duplicate it. The SACCO operations page sets out what runs around the core system today.
What you can measure afterwards
Committed spend vs budget
Assets verified
Quotations per purchase
Member query SLA
Approval cycle time
Pricing
What it costs for SACCOs & Microfinance
The asset register, RFQs and quotations start on Basic in a limited form. Multi-step approval routing, payroll and helpdesk SLA policies are on Pro, which is where a SACCO’s governance work sits.
Pro plan · Run on automation
KES 5,800 / month
or KES 63,800 billed yearly
Full procurement, sales, accounting and HR (employees, leave, attendance & payroll) plus workflow automation and reporting.
Before you pay anything
30-day free trial
Thirty days of the full platform, every module switched on and no card required. Choose a paid tier whenever you are ready.
See it on your process
Walk through a saccos & microfinance workspace with us.
Bring the spreadsheet or the paper form you want to retire. We will show you the first workflow in AWRA with your own items, people and locations.
Questions
What SACCOs & Microfinance buyers ask.
Does this replace our core banking system?
No. Members, savings, share capital, loans and dividends stay in your core system. AWRA governs the operational spend around it — procurement, assets, budgets, expenses and staff payroll.
Can the supervisory committee review without editing anything?
Yes. Roles are built from individual permissions, so a committee role can hold view permissions only. Reading the audit log currently needs the workspace-settings permission, so decide separately who holds that.
Can a small SACCO start with part of it?
Yes. Starting with the asset register and procurement — the two areas inspections sample first — and adding budgets and payroll after is a sensible order.
Customer story
Speak to someone who runs it.
We publish a named story only with that organisation’s consent. Ask us and we will put you in touch with a saccos & microfinance reference you can telephone, rather than a quote you cannot check.
Ask for a referenceNext-best links
Keep the evaluation moving.
Guides, pricing and support surfaces most relevant to SACCOs & Microfinance.
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