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Digitizing cooperatives for a
better financial world

Enhance operations and management of your savings group leading
to better living conditions for millions of people.

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Enable your savings group to manage finances efficiently

Credit Association Management System (CAMS) is a digital financial system for savings groups and MFIs to manage savings and loans, transaction records, member data, and other operations digitally.

CAMS enables the members to deposit contributions, apply for loans and manage finances, all via a mobile phone.

Book a Demo

CAMS Features img 1
Make contributions online through bank or
mobile money using the app
apply-for-loan
Apply for loans easily and get the
money directly into your account
 
CAMS Features img 3
Keep track of savings and loans of your
SACCO using the app
laptop-top
View and manage loan applications and
disbursements of the SACCO
CAMS Features img 5
Reduce manual work and
manage finances with ease
keypad-mobile
Make contributions and loan repayments with the convenience of USSD

Empowering cooperatives with digitization

Saving Module-1
Savings
Members can make contributions easily using cash, bank, or mobile money.
Lending Module-1
Loans
Members can apply for loans online and get the amount into their preferred account.
Payment Module1
Payments
Members can make payments using cash, bank, or mobile money.
Administration Module-1
Administration
Admins can manage tasks like reports, calculation, approving or rejecting loans, adding or removing members.
Accounting Module1
Accounting
Admins can have easy access to financial statements and reports for proper governance and compliance.

Benefits for admins

  • Tailored system to suit the needs of different types of savings groups
  • Automated regulatory reports for faster and easier reporting
  • Easy implementation of SACCO policies to meet compliance
  • Configurable underwriting process for loan approval
  • Automatic reconciliation of payments
  • Automated KYC and member data management
  • Digital accounting system to create financial statements and reports
  • Builds financial history for members for access to formal financial products
CAMS Admin App
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Benefits for members

  • Account management, with an overview of loans, savings and shares
  • Online payment for contribution and loan repayment
  • Ability to apply for loans 
  • iPhone and Android apps for smartphone users
  • Access through USSD codes for non-smartphone users
  • Enhanced productivity and convenience in everyday life by reducing the need for travel
  • Members receive a financial record, which in turn improves their credibility

Benefits for the user

  • Account management, with an overview of loans, savings and shares
  • Online payment for contribution and loan repayment
  • Ability to apply for loans 
  • iPhone and Android apps for smartphone users
  • Access through USSD codes for non-smartphone users
  • Enhanced productivity and convenience in everyday life by reducing the need for travel
  • Members receive a financial record, which in turn improves their credibility
MicrosoftTeams-image (3)-2
Book a Demo

CAMS pricing

Our pricing philosophy is inspired by the cooperative (people first) approach of SACCOs.
It enables us to offer users a cost-effective and transparent pricing experience. 
You can read more about it here.

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