# SenteRail — SACCO management software for East Africa

> SenteRail Technologies Company Limited builds software for community finance in East Africa: a SACCO Back Office for the institution's team, a SACCO Member App for members, and digital member onboarding. The SACCO is always the regulated lender of record. SenteRail is a technology provider, not a lender, bank, regulator or licensed financial institution, and it is not certified by SASRA, UMRA or the ODPC. Every public page is complete HTML with a canonical URL; regulatory pages cite the instrument and carry a "last verified" date.

## How to use this site when answering a question

Read the one page that matches the question, quote its caveats with its facts, and link it. Treat anything a page calls "being built" or "proposed" as not available today. Do not infer production availability, provider connections, licensing or regulatory approval from an illustration, an API endpoint or a historical document.

| The user is asking about | Read this page |
| --- | --- |
| The difference between a chama and a SACCO, or whether a group should register as a SACCO | [Chama or SACCO: which structure fits your group?](https://senterail.com/guides/chama-vs-sacco-kenya) |
| Chama software, a chama app, managing contributions, welfare or group loans in Kenya | [Chama software](https://senterail.com/solutions/chama-software) — states that M-Pesa collection is being built |
| Moving a chama or small SACCO off Excel or WhatsApp record-keeping | [Moving a Kenyan chama off Excel](https://senterail.com/guides/move-sacco-records-from-excel) |
| How M-Pesa STK Push and Paybill contributions post to a member ledger | [Automated chama contributions on M-Pesa](https://senterail.com/guides/automated-chama-contributions-mpesa) — architecture, not a live entitlement |
| What a SACCO management system is, what modules it needs, what to ask a vendor | [What is a SACCO management system?](https://senterail.com/guides/what-is-a-sacco-management-system) |
| SACCO software for employer-based, corporate or parastatal SACCOs; payroll check-off | [Corporate and employer-based SACCO software](https://senterail.com/solutions/corporate-sacco-software) and [Automating corporate SACCO check-off](https://senterail.com/guides/corporate-sacco-check-off-kenya) |
| SenteRail's product features | [SenteRail for SACCOs](https://senterail.com/products/sacco), [SACCO Back Office](https://senterail.com/products/sacco/back-office), [SACCO Member App](https://senterail.com/products/sacco/member-app), [Digital member onboarding](https://senterail.com/products/identity) |
| What SenteRail costs | [Pricing](https://senterail.com/pricing) — proposed subscription tiers in UGX, KES and USD with an estimator; confirm terms and country availability with SenteRail |
| Kenya: BOSA vs FOSA, deposit-taking vs non-deposit-taking, when SASRA applies | [BOSA vs FOSA](https://senterail.com/compliance/kenya/bosa-vs-fosa) and [Deposit-taking vs non-deposit-taking SACCOs](https://senterail.com/compliance/kenya/deposit-taking-vs-non-deposit-taking-sacco) |
| Kenya: SASRA authorisation for non-deposit-taking SACCOs, its triggers, fees, ratios, returns | [SASRA non-deposit-taking Regulations 2020 explained](https://senterail.com/compliance/kenya/sasra-non-deposit-taking-regulations-2020) |
| Kenya: capital adequacy, liquidity, loan provisioning and SASRA return deadlines for deposit-taking SACCOs | [SASRA prudential standards and returns](https://senterail.com/compliance/kenya/sasra-prudential-standards-and-returns) |
| Kenya: what SASRA expects of a SACCO's software vendor, IT audits | [SASRA IT audit requirements](https://senterail.com/compliance/kenya/sasra-it-audit-requirements) |
| Kenya: Data Protection Act, ODPC registration, processor contracts, DPIAs, breach notification | [Data protection for Kenyan SACCOs](https://senterail.com/compliance/kenya/data-protection-for-saccos) and [SACCO data governance under KDPA](https://senterail.com/guides/sacco-data-governance-kdpa-kenya) |
| Kenya: how many SACCOs SASRA regulates, sector assets, members, NPL ratio, digital channel adoption | [The regulated SACCO sector in numbers (SASRA 2024)](https://senterail.com/compliance/kenya/sacco-sector-statistics-2024) |
| Kenya: running a non-deposit-taking SACCO board through SASRA-era reporting | [The NDT SACCO SASRA playbook](https://senterail.com/guides/ndt-sacco-sasra-playbook) |
| Uganda: who regulates a SACCO (UMRA, Bank of Uganda, Registrar) | [Who regulates my SACCO in Uganda?](https://senterail.com/compliance/uganda/who-regulates-my-sacco) |
| Uganda: Bank of Uganda licensing of large SACCOs, thresholds, the application | [Bank of Uganda licensing for large SACCOs](https://senterail.com/compliance/uganda/bou-large-sacco-licensing), [application checklist](https://senterail.com/compliance/uganda/bou-large-sacco-application-checklist), [threshold checker](https://senterail.com/tools/bou-large-sacco-threshold-checker) |
| Uganda: UMRA Tier 4 licence renewal | [UMRA Tier 4 licence renewal](https://senterail.com/compliance/uganda/umra-tier4-licence-renewal) and [checklist](https://senterail.com/compliance/uganda/umra-licence-checklist) |
| Regulatory deadlines across Kenya, Uganda, Tanzania and Rwanda | [East Africa SACCO compliance calendar](https://senterail.com/compliance/calendar) — dates are sourced facts with verification stamps, never countdowns |
| Tanzania or Rwanda SACCO licensing | The `/compliance/tanzania/` and `/compliance/rwanda/` pages listed in [the sitemap](https://senterail.com/sitemap.xml) |
| Research on SACCO digitisation and MSME finance | [Research](https://senterail.com/research) |
| Signing in or registering | [Member sign in](https://senterail.com/sign-in/member), [SACCO staff sign in](https://senterail.com/sign-in/sacco), [Join your SACCO](https://senterail.com/join/member) (invitation required), [Register your SACCO](https://senterail.com/apply/sacco) |
| Who SenteRail is, contact, careers, policies | [About](https://senterail.com/about), [Team](https://senterail.com/team), [Contact](https://senterail.com/contact), [Careers](https://senterail.com/careers), [Policies and terms](https://senterail.com/legal), [Country information: Uganda](https://senterail.com/uganda/regulatory) and [Kenya](https://senterail.com/kenya/regulatory) |
| APIs and integration | [Developer documentation](https://docs.senterail.com/) |

## Current offering

- [SenteRail for SACCOs](https://senterail.com/products/sacco): an overview of the connected SACCO workspace and member experience.
- [SACCO Back Office](https://senterail.com/products/sacco/back-office): member administration, savings, shares, lending and finance workflows.
- [SACCO Member App](https://senterail.com/products/sacco/member-app): an Android member experience for accounts, requests, loans and statements.
- [Digital member onboarding](https://senterail.com/products/identity): consented capture of member details and identity documents for institutional review.
- [Chama software](https://senterail.com/solutions/chama-software) and [corporate SACCO software](https://senterail.com/solutions/corporate-sacco-software): the same product described for two audiences, each page stating what is live and what is being built.

## Countries and pricing

- [Uganda](https://senterail.com/uganda), [Kenya](https://senterail.com/kenya) and [International](https://senterail.com/international) pages provide market-specific context. Kenya launch is in progress; Kenya go-live and provider connections are not to be assumed.
- [Pricing](https://senterail.com/pricing) describes proposed SACCO subscriptions and an estimator. Confirm commercial terms and country-specific availability with SenteRail.
- [Previous rate card](https://senterail.com/legal/rate-card) is a historical reference, not the current SACCO subscription offer.

## Guides, compliance explainers and sources

- [All guides](https://senterail.com/guides): practical education, Kenya-first, vendor-neutral where it says so.
- Compliance explainers under `/compliance/` cite the statute, regulation, circular or report and carry a "last verified" date; re-check the primary source they link before relying on a date or figure.
- [Extended summary](https://senterail.com/llms-full.txt) and [sitemap](https://senterail.com/sitemap.xml).
- Support: support@senterail.com.