Cloud banking built for SACCOs & microfinance
Marabanking is a modern cloud banking platform that helps SACCOs and microfinance institutions manage loans, savings, members and compliance, anytime and anywhere.
- ✓M-Pesa ready
- ✓Built on Enterprise-Grade Banking Technology
- ✓Board-ready reports
Connects with the channels your members already use
- M-Pesa Daraja
- USSD
- Bulk SMS
- Mobile app
- Enterprise-Grade Banking Technology
All-in-one digital banking tools to power your SACCO
Every module shares one member record and one ledger, so tellers, loan officers and your board all work from the same numbers.
Member Management
Manage member records, shares, KYC data and beneficiaries in one place. See loan eligibility in real time and let account updates happen automatically.
- KYC documents and next-of-kin on every profile
- Share capital and contribution history
- Instant loan eligibility based on deposits
- Member statements on demand
| Account | Balance (KES) |
|---|---|
| Share capital | 20,000 |
| BOSA deposits | 184,350 |
| FOSA savings | 12,780 |
| Loan limit (3× deposits) | 553,050 |
Example member, for illustration
Lending
Digitize loan applications, automate disbursements and track repayments, with support for custom schedules and interest types.
- Flat, declining balance and custom interest methods
- Guarantors and collateral captured at application
- Disburse straight to M-Pesa
- Arrears ageing and PAR tracked daily
| Product | Amount (KES) | Status |
|---|---|---|
| Development loan | 350,000 | Approved |
| Emergency loan | 40,000 | Disbursed |
| School fees loan | 85,000 | Appraisal |
| Asset financing | 620,000 | Guarantors |
Example loans, for illustration
Savings & Deposits
Configure fixed deposits, voluntary savings and locked accounts, with automatic contributions and interest posting.
- Fixed and recurring deposit products
- Interest posting with withholding tax
- Lock periods and withdrawal rules per product
- Contributions via check-off or M-Pesa
| Product | Rate p.a. | Term |
|---|---|---|
| Fixed deposit | 9.0% | 12 months |
| Holiday savings | 6.5% | Locked to Dec |
| Junior account | 5.0% | Open |
Example products, for illustration
Shares Management
Track every member's share capital, purchases and transfers, then run dividends and interest on deposits in a single, auditable process.
- Minimum share holding enforced
- Transfers with approval trail
- Dividends with withholding tax
- Share register on demand
| Item | Rate | KES |
|---|---|---|
| Dividend on share capital | 12% | 2,400 |
| Interest on deposits | 8% | 14,748 |
| Withholding tax | 5% | −857 |
| Net to member | 16,291 |
Example member payout
Mobile & M-Pesa
Let members deposit, withdraw, repay loans and check balances via USSD, app and M-Pesa, with every transaction synced in real time.
- Paybill and C2B payments matched to member accounts
- B2C loan disbursement to the member's phone
- USSD menus for feature-phone members
- SMS confirmations and reminders
| Time | Type | KES |
|---|---|---|
| 09:14 | Loan repayment | 12,500 |
| 09:11 | Deposit | 3,000 |
| 09:06 | B2C disbursement | 40,000 |
| 08:58 | Share purchase | 1,000 |
Example transactions, for illustration
Analytics & Compliance
Generate board-ready reports, audit trails and compliance documentation instantly using customizable dashboards.
- Prudential returns and loan classification
- Trial balance, balance sheet and income statement
- Full audit trail on every maker-checker action
- Export to Excel and PDF
| Category | Days in arrears | Share |
|---|---|---|
| Performing | 0 | 91.4% |
| Watch | 1–30 | 4.4% |
| Substandard | 31–180 | 2.9% |
| Doubtful | 181–360 | 0.9% |
| Loss | Over 360 | 0.4% |
Example portfolio, for illustration
Automated Workflows
Reduce manual work with scheduled deductions, reminders, loan tracking and end-of-day reconciliation tools.
- Employer check-off files imported and posted
- SMS reminders before every installment
- Interest posting and penalties on schedule
- End-of-day close and cashier reconciliation
| Job | Runs | Last result |
|---|---|---|
| Repayment reminders | Daily 07:00 | Sent |
| Interest posting | Month end | Posted |
| Check-off import | On upload | Matched |
| End-of-day close | Daily 23:30 | Closed |
Example jobs, for illustration
Automated loan management
Manage loan applications, disbursements, interest schedules and repayments in real time, from appraisal to the last installment.
Learn more| Product | Amount (KES) | Status |
|---|---|---|
| Development loan | 350,000 | Approved |
| Emergency loan | 40,000 | Disbursed |
| School fees loan | 85,000 | Appraisal |
| Asset financing | 620,000 | Guarantors |
Example loans, for illustration
Member savings & shares, fully visible
Track every member's savings, contributions, dividends and share capital, and give them the same view on their phone.
Learn more| Item | Rate | KES |
|---|---|---|
| Dividend on share capital | 12% | 2,400 |
| Interest on deposits | 8% | 14,748 |
| Withholding tax | 5% | −857 |
| Net to member | 16,291 |
Example member payout
Tools to simplify operations, engage members and grow securely in the cloud
SACCOs
Run BOSA and FOSA, share capital, check-off and dividends on one cloud platform, with the reports your board and regulator ask for.
Learn more →Microfinance institutions
Manage individual and group loans across branches and field officers, keep portfolio at risk in check and disburse to M-Pesa in minutes.
Learn more →Chamas & groups
Track group contributions, member roles, merry-go-rounds and group loans with a clear ledger for every member.
Learn more →See marabanking running on your own products
Book a walkthrough with our team in Nairobi, or start a free trial today.