SACCOS Operation Management and Automation
SOMA is an integrated SACCOS management platform designed to bring core SACCOS operations into one coordinated digital environment. The platform supports member management, shares, savings, deposits, loans, financial accounting, reporting, asset management, budgeting and approval control.
Comprehensive SACCOS Management
SOMA provides an integrated set of services covering the major operational, financial and administrative activities of a SACCOS.
Member Management
Manage member registration, KYC information, member records and other activities related to SACCOS membership.
Shares, Savings & Deposits
Manage share purchases, savings and deposits together with member balances and related financial transactions.
Loans & Repayments
Support loan processing, interest management, instalments, repayment monitoring and loan portfolio reporting.
Financial Accounting
Support financial closing and preparation of Trial Balance, Balance Sheet, Profit and Loss, Cash Flow and Statement of Changes in Equity.
Financial Reports
Generate and present SACCOS performance and financial information through structured financial reports.
Asset Register
Maintain and present SACCOS asset information through a structured and centralized Asset Register.
Budget Management
Support preparation, management and monitoring of the SACCOS budget for improved financial control.
Approval Control
Manage approval workflows and authorization processes across different SACCOS operations and transactions.
Performance Monitoring
Provide structured operational information to support monitoring, management and decision-making within SACCOS.
Integrated Financial Management
SOMA supports the financial management cycle of a SACCOS from transaction processing to financial closing and reporting.
- Trial Balance
- Balance Sheet
- Profit & Loss
- Cash Flow
- Statement of Changes in Equity
- Financial Reports
SACCOS Performance Reporting
The system supports the presentation of operational and financial performance information through structured reports. This enables SACCOS management to access relevant information for monitoring, accountability and informed decision-making.
Core Components for SACCOS Operations
An integrated annual subscription service covering core SACCOS activities, support functions and system management.
System Components for Core Activities
- Membership Management
- Contribution Management
- Loan Management
- Fixed Asset Management
- Teller Management
- Accounting and Finance
- Standing Instructions
- Reports Management
- Budget Management
Support System Components
- SACCOS Leadership
- Collateral Management
- Guarantors Management
- Debtors & Creditors Management
- HR & Payroll
- Suppliers List
- Investment Management
System Management Components
- System User Management
- System Audit Trail
- SACCOS Profile Management
- System Parameters
- Calendar Management
- End of Periods Closure (Day/Month/Year)
Alternative Channels Roadmap
SOMA alternative channels are being introduced progressively. Mobile SACCOS / Banking Services is the current focus, while ATM and Cards Services and Agency Banking Services are planned for the roadmap up to the 3rd Quarter of 2027.
Mobile SACCOS / Banking Services
Current alternative channel supporting mobile-based SACCOS services through USSD and the SOMA mobile application.
- Cardless withdrawal on supported channels
- Fund transfers
- Bill payments
- Account balance and mini statements
- Loan balance and mini statements
- SACCOS member details exposure
- Digital loan / quick loan services
ATM and Cards Services
Planned alternative-channel capability forming part of the SOMA roadmap towards the 3rd Quarter of 2027.
- Cash withdrawal from Umoja ATMs and agents
- Cash deposit on Umoja agents
- Balance inquiry and mini statements
- PIN change
- Merchant payments
Agency Banking Services
Planned Agency Banking capabilities to extend access to SACCOS financial services through supported agents.
- Merchant enrollment
- Debit cards issuance
- Debit cards acquiring
- Cash withdrawal
- Cash deposit
- Fund transfers
- Bill payments
Managed, Coordinated and Security Assessed
SOMA is managed and coordinated by SCCULT (1992) LTD, with security assessment activities incorporated into the system governance and maintenance framework.
System Management
SOMA is managed and coordinated by SCCULT (1992) LTD.
System Penetration Testing
The system undergoes penetration testing as part of its security assessment process.
Vulnerability Assessment
Vulnerability Assessment is conducted every two years as part of the system security review cycle.
SOMA System Integrations
SOMA is integrated with selected systems and digital payment infrastructure to support a connected SACCOS service ecosystem.
MUVU
Integration with the MUVU system to support connected operational processes and services.
SMS Gateway
Enables communication and service-related notifications through SMS.
GePG Government Payment
Integration with the Government Electronic Payment Gateway for supported payment services.
MNO Mobile Payments
Integration with mobile network operators to facilitate supported digital payments.
ESS Integration
Integration with ESS is currently under development as part of the wider digital service ecosystem.
Future Integrations
The SOMA ecosystem can support additional integrations based on approved operational and service requirements.
How to Get the SOMA System
The onboarding process begins with an official request and continues through guidance, data preparation and system migration.
Submit an Email
Send your request through info@sccult.tz to initiate the SOMA onboarding process.
Expert Guidance
Your request will be reviewed and responded to by SOMA system specialists with the required onboarding guidance.
Complete Templates
The SACCOS receives guidance and templates for preparing the information required for system migration.
Data Migration
Once the required information is prepared and verified, the migration and onboarding process begins.
Information Required to Join SOMA
To begin the SOMA migration process, the SACCOS is required to prepare the following key information.
Required Data
- Trial Balance information.
- Member KYC List containing required member information.
- Contribution Information for members.
- Loan Information for existing member loans.
- Loan Interest Information associated with the respective loans.
- Number of Instalments for applicable loans.
Excel Templates
Download the relevant Excel templates and prepare your SACCOS data according to the required migration format.
Member KYC Template Loans Template Contribution Template Trial Balance TemplateSOMA in Your Hands
SOMA currently extends its digital service experience through mobile channels, providing convenient access to supported services through USSD and the SOMA mobile application.
- Android mobile application
- Convenient digital access
- Member-focused services
- Integrated SOMA digital ecosystem
SOMA Experts
Meet the team supporting the coordination, business operations and technical delivery of the SOMA system.
Godwin Salira
SOMA project coordination, implementation oversight and stakeholder engagement.
Shabani Mbaruku
SOMA operations, digital financial services coordination and system support.
Neema Kapinga
Business requirements, user needs and operational support within the SOMA ecosystem.
Emmanuel Nestroy
Technical support, ICT operations and system-related SOMA assistance.
Request a Demo & Get Your SOMA Pricing
Submit your SACCOS information once and receive a tailored SOMA demonstration arrangement together with the applicable onboarding, migration and subscription pricing.
One Request. Demo + Pricing.
Provide your SACCOS profile and capital information to receive the appropriate SOMA pricing arrangement and demonstration process.
Complete the form
Enter your SACCOS details and select Type A or Type B to prepare the applicable SOMA pricing and demo request.
Ready to Join SOMA?
Contact the SOMA team for more information, request a demonstration, submit an application or begin your SACCOS onboarding process.