For Uganda's 33,000 SACCOs
Members, savings, loans and UMRA returns in one place — and it keeps working when the network doesn't.
1,000 UGX per active member / month. No setup fee.
· PDM, staff and village SACCOs, MFIs and VSLAs.
Member register
NIN, photo, next of kin. Form 13, digitised.
Savings
Deposits and withdrawals, with SMS to the member instantly.
Loans
Application to final repayment, with CRB checks and guarantors.
Share capital
Shares tracked, dividends calculated.
UMRA returns
Statutory returns straight from your live ledger.
Branches and roles
Many branches, many SACCOs, each person scoped to their work.
Rural branches don't have reliable power or data. Imara is designed for that, not around it.
Works offline, syncs when the network returns
4-digit PIN login, familiar as mobile money
SMS two-factor on every login
Bluetooth receipts at the counter
Free to start. Pay only for active members — nothing for dormant accounts, no setup fee.