SACCO
End-to-end core banking for DT-SACCOs and non-withdrawable cooperatives. Share capital, loans, dividends, and SASRA compliance — all automated.
- Share capital & dividend engine
- SASRA automated returns
- M-PESA & USSD integration
- Loan appraisal to recovery
300+
SACCOs
500K+
Members
99.99%
Uptime
Certified
SASRA Compliant
Built for every
financial institution.
From SACCOs and microfinance to hospitals, schools, and insurers — FoBo's platform adapts to the unique financial workflows of your sector.
Jump to a sector
All sectors
Microfinance
Flexible loan products, group lending, and agent banking tools purpose-built for MFIs reaching unbanked communities across East Africa.
- Group & individual lending
- Offline-capable agent tools
- Dynamic interest & penalty rules
NGO
Fund management, donor reporting, multi-project accounting, and member welfare tracking for NGOs and community-based organizations.
- Project-based fund tracking
- Automated donor disbursements
- Member welfare & benefits
Education
Fee collection, staff payroll, bursary management, and savings schemes for universities, schools, and education cooperatives.
- Student fee portals & receipting
- Staff SACCO integration
- Bursary & scholarship tracking
Insurance
Premium collection, claims management, and member benefit administration for insurance cooperatives and mutual funds.
- Automated premium billing
- Claims workflow & approval
- Member benefit schedules
Healthcare
Staff welfare SACCOs, medical scheme billing, and patient payment processing for hospitals, clinics, and healthcare cooperatives.
- Staff SACCO & welfare funds
- Patient payment plans
- NHIF/SHA claim reconciliation
Hospitality
Staff savings and credit unions, tip pooling, and payroll integration for hotels, restaurants, and tourism cooperatives.
- Staff savings & loan schemes
- Tip pool management
- Multi-property payroll
Real Estate
Housing cooperatives, mortgage savings pools, and development fund management for property investment groups.
- Plot & unit contribution tracking
- Mortgage savings schedules
- Development fund accounting
Retail
Retailer cooperatives, buying groups, and trade credit associations managing shared procurement and member credit facilities.
- Shared procurement accounts
- Trade credit management
- Supplier payment automation
Investment & Asset Management
Investment clubs, unit trust SACCOs, and asset management cooperatives with portfolio tracking and CMA compliance.
- Member portfolio dashboards
- Unit trust subscriptions & redemptions
- Automated NAV computation
Don't see your sector?
We configure FoBo for any financial institution. Tell us about your organization and we'll map the platform to your needs.
One platform. Every sector.
The same powerful engine,
configured for your world.
Every sector gets the full FoBo stack — core banking, mobile channels, BI, compliance, and CRM — tuned to your regulatory and operational reality.
Core Banking
Mobile & USSD
Compliance Engine
Power BI Analytics
// Your sector. Our platform.
Ready to transform your institution?
Get a personalized demo configured for your sector's specific regulatory and operational requirements.