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For SACCOs & microfinance
Govern the half of the SACCO your core system never sees
Member deposits live in the core banking system. Member money also buys vehicles, renovates branches, and pays allowances — AWRA wraps that operational spend in the same discipline as the loan book.
Sound familiar?
If any of these ring true, you are exactly who this was built for.
The AGM question
"Who supplied the vehicles, at what price, who else quoted?" — answered from memory instead of records.
The depreciation-schedule register
The balance sheet says tens of millions in assets; nobody can say where half of them are.
Branch expenses on trust
Floats topped up on request, retired on faith, reviewed at year-end when the variance is history.
Allowances in envelopes
Sitting allowances paid casually — a recurring audit note and a PAYE exposure in one.
What you get with AWRA OpsHub
Each capability links to a deeper feature tour.
Procurement governance
Thresholds that refuse rather than warn, tender committees documented, quotations compared on the record with the award reason kept. There is no automatic splitting detection — a run of just-under-threshold purchases is visible in the procurement report but nothing flags the pattern for you.
Asset registers with custody
Fleets, branch fit-outs, ICT — named custodians, movement history, verification rhythms, exit clearance.
Budget envelopes
Live budgets per branch and department, commitments counted, over-budget requests escalating visibly.
Branch expense visibility
Spending recorded at the branch, visible at head office same-day, reviewed monthly per manager.
Payroll & allowances
Staff payroll with PAYE, NSSF, SHIF, and housing levy current — sitting allowances through payroll, taxed correctly.
Committee-grade reporting
Supervisory committee read-only access to trails, registers, and exceptions — independent of management-prepared reports.
How teams get started
1
Verify the asset base
A branch-by-branch count builds the living register and reconciles it to the financial schedule.
2
Load thresholds and budgets
Your procurement policy and expense envelopes configured — the system starts enforcing what the board adopted.
3
Open the committee view
Supervisory committee gets independent read-only visibility; inspection prep becomes a printout.
Guides from our blog
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.
Read
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.
Read
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.
Read
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.
Read
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.
Read
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.
Read
Questions we are asked here
Frequently asked questions
Does this replace our core banking system?
No — members, savings, loans, and dividends stay in your core system. AWRA governs the operational spend around it: procurement, assets, expenses, and payroll, with the reporting boards and supervisory committees need on that spend.
How does this help with SASRA inspections and external audits?
Inspections test governance evidence: procurement files, asset verification, expense controls, and policy enforcement. When those controls run in a system, the evidence assembles itself — sampled transactions retrieve end-to-end in minutes instead of file-hunting weeks.
Can the supervisory committee use it without touching operations?
Yes — read-only roles scoped to oversight: full visibility of procurement chains, registers, and exception reports, zero ability to edit, with their access itself logged. Independent visibility without operational interference.
We are a small SACCO. Is this proportionate?
The modules scale down: start with the asset register and procurement thresholds — the two highest-exposure areas — on a small-team plan, and add branch budgeting and payroll as you grow. Governance debt is cheapest to fix while the institution is small.
Put the operations side on the record
Bring one procurement file, your asset schedule, and one branch's expenses — see them governed end to end.