Free course · SACCOS

Adili SACCOS Certification

A free course for SACCOS teams, with a certificate when you pass: set up your SACCOS, register members, run shares, savings and contributions, lend with guarantors, hold meetings, share out surplus and file TCDC returns with Adili, in fifteen short videos.

For SACCOS teams: managers, tellers and cashiers, loan officers, accountants and board members

Lessons
15
Role tracks
4
Hours
~4
Languages
EN · SW

What you will learn

Start with the overview, then follow the track for your role. Finish a track to earn its certificate.

1 For anyone evaluating Adili or setting up a SACCOS Getting to know Adili for SACCOS What Adili does for a SACCOS, how to set the society up to match its by-laws, and how roles and approvals keep members' money safe.
  1. 1 Adili for SACCOS A tour of Adili for a SACCOS: the SACCOS overview on Home, the branch picker, the SACCOS menu, Operations and Training, and Settings and Support in the user menu.
  2. 2 Set up your SACCOS Mfano SACCOS is created as a SACCOS with its Head Office, takes the Growth plan paid with mobile money and adds Head Office Till, then sets its capital defaults and by-law policy and saves them.
  3. 3 Team, roles and controls Juma is invited as the cashier at Head Office, the SACCOS branch roles are shown, and Approval Rules make Asha the maker of loan approval requests with Baraka and Neema as checkers, who find their work in Approvals.
2 For tellers, cashiers, loan officers and branch managers Member services Register members, take their shares, savings and contributions, and answer what they ask from the member portal and app.
  1. 4 Register members Amina is registered as a member with her details from her NIDA card, then her NIDA copy is uploaded, her entrance fee is collected and her sister Halima is recorded as her nominee at 100 percent. The video ends on where Suspend and Request exit sit, and what blocks an exit.
  2. 5 Shares and savings Accounts and postings shows Amina's three accounts, her voluntary savings account is opened, and a 50,000 shilling contribution is posted to her compulsory savings. Her compulsory savings statement then shows total in, total out and the closing balance, month by month.
  3. 6 Contributions, dues and fines A Monthly savings plan is created that pays 20,000 a month into compulsory savings with a late fine, Amina's first payment is recorded at the counter, and Peter, who hasn't paid, gets an SMS reminder through Notify. Last, managers can waive dues or fines, always with a reason.
  4. 7 Member portal and requests We copy the society's member portal link from the SACCOS overview and watch Amina sign in with her phone number and an SMS code to see her records. Then we approve her request to update her nominee, so Halima now has 60% and Grace 40%.
3 For loan officers, credit committee members and branch managers Lending to members Design member loan products, lend within each member's savings-based ceiling with member guarantors, pay out and collect, and deal with arrears through guarantees and write-off.
  1. 8 Loan products for members We build Maendeleo Loan, an example product for members under Operations → Loan Products: 1.5% a month on the reducing balance, 3 to 24 months, 100,000 to 5,000,000 shillings repaid monthly, a 1% processing fee and a late penalty. It keeps the organization's savings multiplier and requires active membership, a guarantor and NIDA.
  2. 9 Member loans and guarantors Amina's Loans tab shows her eligibility, then a Maendeleo Loan of 1,000,000 shillings over 12 months is written for her shop. Halima pledges 400,000 of her savings as guarantor, the loan is submitted, and Baraka checks it in Approvals and approves it.
  3. 10 Pay out and collect The cashier pays out Amina's approved loan by Mobile Money from the Head Office till, and the loan becomes Active. Her first instalment, paid by M-Pesa, is then recorded, the balances and schedule update, and the lesson shows how a mistake is reversed, never edited.
  4. 11 Arrears, guarantees and write-off Peter's loan is behind. The loan classification on Home shows it by days past due, a manager calls Joseph's guarantee and recovers 100,000 from Joseph's savings, Neema approves the recovery, and the lesson shows when Write off opens.
4 For owners, admins, accountants and board members Governance and finance Run meetings and elections, keep the leadership current, pay savings interest, appropriate the year's surplus, and send the TCDC returns at month end.
  1. 12 Meetings, elections and leadership A general meeting from notice to minutes: an annual general meeting is scheduled with the notice Adili checks, members are notified, signed in until quorum is met and vote on a motion, and the minutes are saved and the meeting closed. Then a vacant treasurer seat is filled under Leadership.
  2. 13 Savings interest On Savings interest, a rate of 5% a year is set for compulsory savings with the board's approval reference, then September's accrual is previewed member by member (about 7,500 shillings in all), approved with the board minute, posted and shown as Reconciled.
  3. 14 Surplus, dividends and funds On Surplus & Member Returns, the funds and their shares of the surplus are read under Funds & equity, then a draft for 2025 with an audited surplus of 6,000,000 shillings is created, calculated, given the general meeting's and the regulator's approvals, and submitted for posting to a checker.
  4. 15 TCDC returns and month end The month is closed and the TCDC return filed: the cadence is read in Settings, the calendar under Reports shows what's due, Approvals, Contributions and Reconciliation are cleared, the period is checked under Finance, the periodic return pack for last month is downloaded, and the return is marked Submitted on the calendar.

Practise safely

  • Create a separate training organization of the same type as yours, so practice never mixes with real records.
  • Use made-up people and phone numbers, and never request a real credit report for training data.
  • Invite a colleague, or a second account of your own, so you can practise as both maker and checker.
Type
SACCOS
Branch
Head Office
Currency
TZS
People
A maker and a checker