Best SACCO software in Uganda (2026)
Last reviewed 25 June 2026
Short answer
Look for software that reconciles to MTN MoMo and Airtel Money, works for members without smartphones, and needs two officers to approve payments. Mizani Core offers all three and is free for groups up to 10 members.
Across Uganda, VSLAs and SACCOs run on MTN MoMo and Airtel Money, and the group meets weekly to count savings, the loan fund and the welfare pot. The best SACCO software for Uganda keeps that record on every member's phone and checks it against the real mobile-money balance, so nothing slips between meetings.
It should also work for members who don't have a smartphone — an officer manages them, and each can claim their own record later — and it should require a second officer to sign off before money moves. SACCOs here operate under UMRA as Tier-4 institutions, so a record that holds up to scrutiny matters.
Mizani Core is built for this reality: one honest ledger, reconciled to MoMo and Airtel, free for groups up to 10 members and a low per-member rate beyond that.
Uganda at a glance
- Currency
- UGX
- Mobile money
- MTN MoMo, Airtel Money
- Languages
- English, Luganda, Swahili
- SACCO regulator
- UMRA
SACCOs in Uganda fall under the Uganda Microfinance Regulatory Authority (UMRA) as Tier-4 institutions.
Mizani Core vs the usual way
Most groups in Uganda still run on spreadsheets & manual passbooks. Here is how that compares to purpose-built software.
| Feature | Mizani Core | Spreadsheet / passbook |
|---|---|---|
| Reconciles to mobile moneyChecks the book against the group's real mobile-money balance so nothing quietly goes missing. | YesAgainst the real balance | No |
| Two-person approvalMoney only moves when a second officer signs off — no single point of trust. | Yes | No |
| Per-member statementsEvery member sees their own savings, loans and shares on their own phone. | YesOn every member's phone | NoTreasurer only |
| Loans & arrearsLend at the rates you set, track repayments, guarantors and arrears. | YesRates, guarantors, arrears | PartialBy hand |
| Cycle share-outSplit the pot fairly at cycle-end with maths everyone can check. | Yes | PartialManual counting |
| Works for members without smartphonesOfficers manage members offline; each can claim their record later by phone. | YesManaged members + claim later | YesPaper works offline |
| Regulatory complianceFor registered SACCOs: tracks your prudential ratios, builds the regulatory returns, keeps a compliance calendar and audit-ready registers — tuned to your country's SACCO rules. | YesCountry-aware (UG, RW) | No |
| WhatsApp updatesReminders and confirmations land in the chat the group already uses. | Yes | No |
| Local languagesUsable in the languages members actually speak. | PartialEnglish; more in progress | YesAny language |
Frequently asked questions
What is the best SACCO software in Uganda?
Look for software that reconciles to MTN MoMo and Airtel Money, works for members without smartphones, and needs two officers to approve payments. Mizani Core offers all three and is free for groups up to 10 members.
Does the software work with MTN MoMo and Airtel Money?
Yes — Mizani Core checks the group's recorded contributions and withdrawals against its real MTN MoMo and Airtel Money balances so the book always matches the wallet.
Are SACCOs in Uganda regulated?
SACCOs in Uganda fall under the Uganda Microfinance Regulatory Authority (UMRA) as Tier-4 institutions, which is why a clean, exportable record matters.
Start your SACCO on an honest record
Free for groups up to 10 members in Uganda. Set up in minutes — your group always keeps the money.
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