Microplus is a sacco and microfinance management system that helps saccos, MFIs, and credit organizations manage members, savings, loans, shares, accounting, and reporting from a single platform. It is built for co-operatives, business saccos, church and welfare saccos, matatu saccos, and digital credit providers across Kenya and the wider East African region.

Microplus serves microfinance institutions (MFIs), microcredit providers, savings and credit co-operatives (SACCOs), business saccos, church saccos, welfare saccos, matatu saccos, company saccos, and farmers' saccos. It is used by organizations in Kenya, Tanzania, Uganda, Burundi, and Rwanda.

Microplus combines core sacco and microfinance functions — member onboarding, savings, loans, shares, accounting, HR and payroll — with built-in M-Pesa, USSD, and bulk SMS integrations in one system, so organizations don't need to run separate tools for transactions, communication, and reporting.

Microplus covers the full lifecycle of sacco and microfinance operations, including:

• Member and client onboarding, bio-data, next of kin, and beneficiaries
• Savings, deposits, fixed deposits, withdrawals, and standing orders
• Loan products, loan calculations, approvals, disbursements, repayments, and penalties
• Shares, shareholders, and dividend calculations and allocations
• Finance and accounting, including expenses, vendors, journals, and bank reconciliations
• Reports and dashboards, including financial statements, loan NPL/PAR reports, and audit trails

Yes. Microplus lets organizations manage all their branches from one system, keeping operations, transactions, and records consistent and updated in real time across every location.

Yes. Microplus can be configured and customized to match your organization's specific processes, loan products, account types, and reporting requirements.

Yes. Microplus offers an HR and payroll module designed for saccos and microfinance institutions, alongside its core savings, loans, and accounting functions.

Yes. Microplus includes a full finance and accounting system covering chart of accounts, expenses, vendors, journals, bank reconciliations, and financial reporting.

Microplus generates realtime financial reports and statements, deposit and savings reports, loan NPL/PAR (non-performing loans/portfolio at risk) reports, dashboards and insights, and audit trails, and SASRA Reports.

Yes. Microplus is integrated with M-Pesa APIs , supporting both B2C business to consumer and C2B paybill transactions and STK Push. This enables clients/Members to make deposits and loan repayments directly via M-Pesa.

Yes — for full M-Pesa integration you'll need a Paybill number registered with Safaricom. If you don't have one yet we can guide you through the application process. It typically takes 5–10 business days to get approved. If you already have an active Paybill, you just use your Daraja API credentials for integration .

Yes. Microplus is integrated with Mobile Money MM services around the world such as M-pesa , Airtel Money, MTN mobile Money (MoMo) enabling member/clients to repay their loans and deposit their savings using mobile money platforms . M-Pesa APIs , supporting both B2C business to consumer and C2B paybill transactions and STK Push. This enables clients/Members to make deposits and loan repayments directly via M-Pesa.

Yes. Microplus supports USSD, giving members a way to check balances, make transactions, and interact with their sacco or MFI without needing internet access or a smartphone.

Yes. Bulk SMS is built into Microplus, allowing organizations to send automated alerts, reminders, and notifications — such as loan repayment reminders — directly to members.

Yes. Microplus supports bank IPN (Instant Payment Notification) API integrations, allowing bank transactions to reflect in the system automatically.

Yes. Microplus has a dedicated matatu sacco management system for managing members, daily operation fees, savings, expenses, finance, and reporting specific to matatu sacco operations.

You can get started with Microplus by contacting the team directly. They will help assess your organization's needs and set up the system accordingly.

Microplus is designed to help organizations digitize records and reduce the manual workloads and risks that come with paper-based or fragmented systems, giving management clearer, more reliable oversight of finances and operations.

Yes. By digitizing member onboarding, transactions, loan processing, and reporting into one system, Microplus is designed to reduce manual workloads, minimize errors and risk, and help organizations cut operational costs while improving efficiency.

Microplus is used by saccos and microfinance institutions in Kenya, Tanzania, Uganda, Burundi, Zambia, Zimbabwe, South Africa, Malawi, Rwanda, and across Africa.

For questions, support, or to request a demo, visit the Contact Us page or the Get Started page.