CAMS, ni kampuni ya kiteknolojia ya fedha inayosaidia kusuluhisha haja za SACCOs kwa teknolojia ya kidigitali. SACCOs na wanachama wake wanaweza kutuma na kupokea fedha pamoja na kutoa na kuweka fedha kwa msaada wa huduma za USSD.
Sasa, bado kuna baadhi ya watu ambao wanatamani kutumia fedha taslim kwa sababu mbalimbali ikiwemo ukosefu wa teknolojia. Kwa wao, SACCOs zao zina ‘keshia’ ambae ana majukumu yafwatayo
- Keshia anapokea fedha taslim, anafanya malipo ya mkopo, kuchakata utoaji wa fedha kwenye akiba
- Kuleta uwiano kwenye droo ya fedha taslim pamoja na masahihisho ya mahesabu kwenye akaunti za kihasibu mwisho wa siku
- Kuchakata fedha taslim na mishahara kwa wanachama
- Usaidizi kwenye kuagiza, kupokea, kuhakiki na kugawa fedha
- Kujibu maswali ya wateja
- Anahusika na kufungua na kufunga akaunti za benki
- Kusimamia usiri wa hali ya juu kwenye taarifa zote anazopokea
- Anawakilisha saccos kwa namna ambayo itasimamia na kupanua mahusiano mazuri na wanachama wote pamoja na wafanyakazi wengine.
Keshia atakua ndie atakaesajili mtiririko wa fedha kwenye mfumo wa kihasibu wa CAMS. Vilevil, keshia atasaidia saccos inayotumia CAMS kutumia kipengele cha keshia kwenye mfumo. Kipengele hiki cha keshia kwenye CAMS itasaidia kufanya uwiano wa akaunti za wanachama pamoja na za saccos.
Umuhimu wa kipengele cha keshia ni kwamba endapo fedha itarekodiwa kwenye mfumo wa kihasibu wa CAMS, kiasi hicho hicho kitaonekana kwenye akaunti ya mwanachama wa SACCOs aliefanya malipo. Wewe kama mwanachama utataarifiwa kwa njia ya SMS kwenye simu yako ya mkononi au kupitia njia nyingine kwamba fedha imepokelewa/imetumwa. Hii inaleta uwazi kwa SACCOs na shughuli nyingi za makaratasi zinakua zimepunguzwa.
Mchakato wa kusimamia mizania pamoja na usahihishaji wa taarifa, utoaji mikopo na malipo unaweza kufanyika ndani ya dakika chache; Shughuli ambayo ilikua inatumia muda mwingi hapo zamani.
CAMS, as a fintech tool, is catering to the needs of the SACCO to shift to digital technology. SACCO and its members can send and receive money as well as make deposits and withdraw with the help of a smartphone or USSD services.
Now, there are still a margin of people who would wish to deal in cash for many reasons including lack of technical know-how. For them, SACCOs have ‘tellers’ who performs the following functions:
- The teller will accept cash deposits, make loan payments, process savings account withdrawals
- balance cash drawer and reconcile accounts at the end of the day
- process cash and member salary advances
- assist in ordering, receiving, verifying, and distributing cash
- answer customer inquiries
- responsible for bank opening and/or closing.
- maintains the highest level of confidentiality with all information obtained.
- represent the Sacco in a manner that maintains and expands positive relations with all members, potential members and co-workers.
Teller will be one who will also register the money flow into the CAMS accounting system. Moreover, teller will be the one who will help Saccos that use CAMS to practice teller functionality digitally. The teller functionality on the CAMS digital system will help to reconcile appropriate accounts of members as well as of the Saccos’.
The advantage of the teller functionality is that whenever the cash balance will be updated on CAMS accounting system, the same would reflect on the wallet of every member of a SACCO. You as a member of SACCO will be notified via SMS on their mobile phones or via online platforms about the money received/sent. This brings transparency to the robust system of SACCO and the massive amount of accounting paperwork is not required anymore.
The process of maintaining balance sheets along with reconciliation, loan disbursal and re-payments can be done within minutes; a process which could take hours earlier.