Sendu

Circle is live.

Digital savings group management and lending infrastructure for SACCOs.

Circle lets savings groups collect, lend, and track everything digitally. Members contribute via mobile money. Managers run their group from USSD, a dashboard, or a field app. SACCOs lend from their own capital. Sendu handles credit intelligence and repayment tracking.

The Architecture
1
Member
Contributes via MTN MoMo or Airtel Money.
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2
Sendu
Collects and confirms every transaction in real time.
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3
Settlement
Two options. Funds settle directly to the SACCO's own bank account with individual member contributions tracked. Or funds settle to a Sendu-managed trust account for SACCOs without their own banking arrangement.
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4
Ledger
Tracks every shilling. One account per SACCO. One entry per member per cycle.

Collect. Track. Score. Lend.

For SACCO Managers
Reconciliation in minutes
Open a session with your PIN. Review each member's contribution against the pre-populated expected deposit. Confirm. Close. Every member gets an SMS.
Field app for cash
Record cash contributions on the Android app. Log bank deposits with amount, date, branch, and slip reference. Track unbanked cash balance in real time. Receive nudge alerts when a bank run is overdue.
Dashboard for oversight
View every member's balance, contribution history, and rating score. Manage loan applications. Track repayments. Export reports. Accessible from any browser, including mobile.
For SACCO Members
Contribute from anywhere
Push your contribution via MTN MoMo or Airtel Money. Receive an SMS confirmation when your manager reconciles it. No need to visit the SACCO office.
A credit score that grows
Every on-time contribution, every repayment, every financial decision builds your rating. Your score determines your loan eligibility.
Your money, accounted for
Three-status balance: Received (payment confirmed), Reconciled (manager verified), Available (settled). You always know where your money is.
Built for Real SACCOs
Community SACCO (Deposit)
Collects weekly or monthly member contributions. Paper ledger or basic spreadsheet. Mobile money replaces cash at the office. Digital reconciliation replaces manual counting.
ACTIVE
Community SACCO (Lending)
Collects contributions and lends from pooled capital. Needs loan application tracking, guarantor management, repayment monitoring, and credit scoring to replace committee guesswork.
ACTIVE
Employer SACCO
Payroll deduction. Dual-approval governance between SACCO manager and HR. High smartphone penetration. Dashboard-first experience.
ACTIVE

Sendu operates as a technical service provider to SACCOs. Your SACCO retains its regulatory standing and member relationships. Sendu provides the digital infrastructure: collection, reconciliation, credit scoring, and reporting. Your regulator sees a SACCO using better tools. Your members see a SACCO that works.

Rating: the score behind every lending decision

Circle generates 30+ behavioural signals per member. Contribution consistency. Repayment discipline. Financial prudence. Early warning indicators. Airtime and data usage patterns. Bill payment behaviour. External credit exposure via Credit Reference Bureau. These signals produce a score from 0 to 900, classified into four bands. SACCO loan committees see the score before they approve. The rating grows with every cycle. Your repayment history is portable. It travels with you to any participating institution. No one in Uganda has done this before.

A
700–900
Strong
B
500–699
Good
C
350–499
Developing
D
Below 350
New / Insufficient
See how Rating fits the full platform

Ready to digitise your SACCO?

Your members contribute. Your committees decide. Your SACCO lends. Circle gives you the infrastructure to do all of it faster, with complete records and credit intelligence your board can trust. Less time on administration. Better data for every lending decision.

Get in touch