Register of members
Every member with member number, branch, join date, status, shares in units and savings, searchable by name, number or phone.
For SACCOS
Everything your SACCOS runs, in one place.
From the register of members to the general meeting and the TCDC return. Its rules follow the Cooperative Societies Act 2013, the Cooperative Societies Regulations 2015 and the Microfinance (SACCOS) Regulations 2019.
01
Membership
The register of members, kept the way the by-laws say.
Entrance fee
Collect the kiingilio once, into a cash account with a receipt reference, and see who has paid on the register.
Nominees
Record successors with relationship, share and two witnesses, with active shares never above 100%.
Suspension and reinstatement
Suspend or reinstate a member with a reason that stays on the member's record.
Member exit
Exit through approval for withdrawal, death, expulsion or ceased participation, refunding shares and savings. Exit waits while loans, pledged guarantees or fines remain.
By-law settings
Licence category, waiting period, minimum guarantors, statutory reserve, quorum, board terms and the share holding cap.
02
Contributions
Plans, dues and fines that follow each member.
Contribution plans
Plans for shares or savings, weekly to annual, with a due day, grace days and a late fine.
Dues timetable
Every member's past dues and the periods ahead, generated each night without duplicates.
Oldest dues first
A contribution settles the member's oldest dues first, in the same posting.
Late fines
Overdue dues attract the plan's flat or percentage fine once, paid to penalty revenue or waived with a reason.
Contributions workbook
Download contributions by month, plan and status as Excel, with the branch and filters on top.
03
Shares and savings
Member accounts posted through the ledger, with approval where it matters.
Share and savings accounts
Shares, compulsory savings and optional voluntary savings for each member.
Postings through approval
Contributions, withdrawals and adjustments post through maker-checker, and each posts only once.
Share holding cap
The by-law cap on one member's share of capital applies once the SACCOS has 20 active members.
Statements
Members see their shares and savings statements in the member portal, and staff see them on the member's record.
04
Member loans
Lending tied to membership, savings and guarantees.
Eligibility rules
An optional waiting period, a paid entrance fee, the minimum share holding, and no other loan more than 30 days in arrears.
Savings multiplier
SACCOS loans are capped at the member's eligible savings times a multiplier.
Member guarantors
Pledges against savings with written disclosure, no reciprocal guarantees, a minimum number before approval, and release when the loan closes.
Recovery from guarantors
Call a guarantee and recover from the guarantor's savings through approval, with an SMS to the guarantor.
Insider loans
Loans to members who hold office are flagged and reported with their rate against the product rate.
Classification and provisioning
The portfolio by regulation 40 class with required provisions, on the SACCOS overview and in the schedule report.
05
Governance
Leadership, meetings and elections run by the rules.
Leadership seats
Chairperson, vice-chairperson, secretary, treasurer, board and committee seats, with vacancies marked and one holder per seat.
Terms and limits
Board terms, a consecutive-term limit, at most nine board seats and an independent supervisory committee.
Meetings
General, board and committee meetings with notice rules, an attendance register, quorum, adjournment and cancellation.
Motions and elections
Motions with their voting method and counts, and secret-ballot elections that record who received a ballot, never how anyone voted.
Minutes and resolutions
Minutes with confirmation and Registrar submission, and resolutions that later approve dividends.
Meeting report PDF
An A4 report in English and Kiswahili with the register, motions, tallies, elected seats, minutes and signature lines.
06
Surplus & Member Returns
The year's surplus, distributed and posted correctly.
Statutory reserve
At least 20% of the surplus is set aside before any distribution.
Dividends and savings bonus
Dividends on shares and a profit-based bonus on savings by average monthly or year-end balance, with withholding.
Approval references
Each distribution cites the general meeting resolution and the regulator's approval, and posts through approval.
Benefits payable
A member with no open account is owed the amount, which a teller pays out from a till.
Distribution workbook
Download member lines and benefits payable as Excel.
07
Member communication
Kiswahili SMS that members understand, with the cost shown first.
Contribution reminders
An SMS three days before a due date, and an overdue notice with any fine.
Meeting notices
Send a notice, a reminder or a meeting's outcome to every active member, the officers, or those present.
Message the register
Text members by status and search filter in a branch, with an editable Kiswahili message.
Cost before sending
Characters, SMS parts, recipients, credits and the wallet balance show before Send, and sends are listed with delivery counts.
Guarantor messages
Guarantors hear by SMS when a pledge is made, called or recovered.
08
Member portal
Members check their own records from their phone.
Sign in by SMS
Members sign in with the phone number the SACCOS holds and a one-time SMS code, and pick their SACCOS if they belong to several.
Shares, savings and contributions
Statements with a date picker, the contribution timetable and arrears.
Loans and guarantees
Their loans and schedules, and the guarantees they gave and received.
Nominees and meetings
Their nominees, upcoming general meetings, and reports of closed general meetings as PDF.
Kiswahili first
Read-only and mobile-first, with Kiswahili labels and English beneath.
09
Know what is due, and hand it in on time.
The reporting calendar tracks every statutory deadline, and the system prepares the reports from the records you already keep.
Reporting calendar
Every obligation generated twelve months ahead from your licence and financial year, with dates moved off weekends and public holidays.
Reminders before each deadline
Email at 14, 7 and 1 days before and when overdue, optional SMS, and a notice on the home screen.
Submissions on record
Owners and admins record the date, reference and the regulator's acknowledgement for each return.
Complaints register
A registration number on receipt, 14-day and 48-hour due dates, Bank of Tanzania referrals and the monthly Form No. 2.
TCDC returns and registers
The delinquency report, classification and provisioning, largest loans and depositors, insider loans and every statutory register.
Compliance settings
Licence category, financial year, TIN and reminder channels decide which deadlines appear and when.
Reports the system prepares
Reports open on screen with period and branch filters and download as PDF and Excel, headed with your institution, licence and period.
- Monthly delinquency report
- Loan classification and provisioning schedule
- Ten largest loans
- Ten largest depositors
- Insider and related-party loans
- Register of members
- Register of nominees
- Collateral register
- Loan ledger and guarantor register
- Register of board and committee members
- Guarantor disclosure statements
- TCDC Form 16-20: Statement of Financial Position
- TCDC Form 16-20: Comprehensive Income Form
- TCDC periodic return pack
- Trial balance
- General ledger detail
- Budget vs actual (Makisio)
- Income statement
- Balance sheet
- Reporting calendar
- Monthly complaints report (Form No. 2)
- Meeting report with attendance, votes and minutes
- Contributions and dividend workbooks
Deadlines on the calendar
- TCDC periodic return, monthly or quarterly by licence category
- Monthly delinquency report
- Statement of accounts to the auditor
- Audited financial statements to TCDC
- Annual general meeting
- General meeting minutes to the Registrar
- Withholding tax to TRA
- Monthly complaints report
Included for every institution
- Branches, with an all-branches view for owners and admins
- Staff sign-in with a phone number and an SMS code
- Maker-checker approvals with named makers and checkers
- A double-entry ledger behind every posting
- Audit history of who did what and when
- Reports as PDF and Excel downloads
- SMS and email paid from a prepaid credit wallet
- English and Kiswahili throughout
- Bank reconciliation on the Scale plan
Bring your SACCOS onto Adili.
Start with the register of members and add the rest as you go. SACCOS plans cost the same as microfinance plans.