Learn CAMS.
Grow your SACCO.
Free courses, step-by-step articles and podcasts for SACCO staff and members — in English, Luganda and Kiswahili.
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Structured courses, lesson by lesson
Each course walks one role through CAMS end to end — finish the lessons, then take the exam here to earn a certificate.
Accounting in CAMS
Set up and run the SACCO books in CAMS: chart of accounts, reconciliation, and financial reports.
Start course AML & ComplianceAnti-Money Laundering for SACCOs
What money laundering is, how it reaches a savings and credit institution, and what you are expected to do about it. Starts with the knowledge every staff member needs, then covers the Wakandi AML Risk Monitoring tool that turns it into daily work.
Start course USSDBanking by USSD
Use your SACCO from any phone by USSD. Set your PIN, save, check balances, borrow and repay, and pay to accounts.
Start course Getting StartedCAMS Admin Essentials
Get started in CAMS Admin: sign in, find your way around, find a member, and register a new member.
Start course Settings & AdministrationCAMS Administration
Administer CAMS: administrators, savings and share products, the SACCO policy, holidays, and fees, penalties and interest.
Start course Cashier & TellerCAMS for Tellers
Test your everyday teller skills in CAMS: serving members, processing transactions, and checking balances. Pass the exam to earn your Wakandi certificate.
Start course LoansLoans Processing
Handle loans end to end: products, applications and approval, disbursement, collateral and guarantors, and rescheduling.
Start course MembersMember Management
Create and maintain members: detailed profiles, savings and share accounts, KYC and supporting details, and the transaction PIN.
Start course ReportsReports & Data
Find and use the reports in CAMS: the reports area, loan reports, and savings reports.
Start course Member AppUsing the Member App
Everything a member can do in the app: sign in, save, withdraw, borrow and repay, and manage your profile and details.
Start courseLatest articles
Statements that generate, summaries that add up
A reports-and-corrections release. Income statements get two fixes, an incorrect loan summary is corrected, inter-branch transactions work again in…
Read moreFields you can edit, members you can unblock
Highlighted fields on a quick loan product can now be edited directly, the option to unblock a member is back in V2, and loan officers, tellers and…
Read moreStaffing and HR essentials
A SACCO is only as strong as the people who run it, and people are managed best when the rules are written down before they are needed. Good HR…
Read moreShares and dividends
When a person joins your SACCO, they don't just open an account. They become a part-owner. That ownership is expressed through shares, and it i…
Read moreMembership: joining, rights and leaving
A SACCO belongs to its members. They own it, fund it and govern it. Clear, fair membership rules (who can join, what they commit to, and what h…
Read moreLiquidity and the ratios that keep your SACCO healthy
Liquidity is your SACCO's ability to pay members when they ask, to honour withdrawals and fund approved loans as they fall due. A society can b…
Read moreThe Growth Room and more
Appraising a loan: the five Cs
The Growth Room, episode 3. Joy and James on the five Cs of lending — Character, Capacity, Capital, Collateral and Conditions — a quick, practical checklist for weighing a loan before you approve it.
The silent leak — winning back the lending you lose to mobile apps
The Growth Room, episode 1. Joy and James on the quiet leak every SACCO has — the loans members take from Fuliza and Tala — and three ways to win that lending (and the interest) back.
Grow on trust — the quiet lever everything else stands on
The Growth Room, episode 2. Joy and James on trust as a growth lever — why members save more where the books are provable, and three practical ways to turn "trust me" into "see for yourself".
One loan or thirty? Making the same money work ten times harder
The Growth Room, episode 4. Joy and James run one calculation: the same money lent once for a year, or lent over and over in small amounts that come back monthly. Twelve percent once against ten percent twelve times — ten times the income, from a book you already have. And you can trial it for free.
Audit: internal and external
Joy and James on what an audit actually checks, why members should welcome one, and how to be ready before the auditor arrives.
Budgeting and budgetary control
Joy and James on building a budget your board can hold you to, and on the monthly review that turns it from a document into a control.
Cash handling and controls
Joy and James on the handful of cash rules that stop losses before they start, from dual custody to the end-of-day count.
Who does what: the core SACCO roles
Joy and James on who does what in a SACCO, and why the line between the board and management is the one that matters most.
Managing delinquency: PAR and recovery
Joy and James on reading your portfolio at risk honestly, and on recovering a late loan without losing the member.
Governance: board, committees and the AGM
Joy and James on the board, the committees and the AGM: who decides what, and how good governance protects members' savings.
Internal controls every SACCO needs
Joy and James on the controls a SACCO cannot run without, and on the simple checks that catch a problem while it is still small.
Appraising a loan: the 5 Cs
Joy and James work through the five Cs of lending as a practical checklist for weighing a loan application before you approve it.
Writing a sound loan policy
Joy and James on what belongs in a loan policy, and on why writing the rules down is what makes lending decisions defensible.
Protecting your loans
Joy and James on protecting the loans you have made, from guarantors and security to insurance and the follow-up that keeps a loan performing.
Developing a new loan product
Joy and James on taking a loan product from a member need to a launch, and on why a small pilot is cheaper than a big mistake.
Financial statements and reporting to the Registrar
Joy and James on the three statements every SACCO produces, and on filing returns to the Registrar without a year-end scramble.
Liquidity and the ratios that keep your SACCO healthy
Joy and James on the five ratios to check every month, and on holding enough cash without leaving money idle.
Membership: joining, rights and leaving
Joy and James on who can join, what a member is entitled to, and what has to be settled before anyone leaves.
Pricing a loan: fees, interest and penalties
Joy and James on pricing a loan fairly, and on why the same ten percent costs a member far less on reducing balance than flat rate.
Shares and dividends
Joy and James on why shares are ownership rather than savings, and on what has to be true before a dividend can be declared.
Staffing and HR essentials
Joy and James on building a staffing structure that works, recruiting fairly, and putting employment terms in writing.
The rules that govern your SACCO: Acts, regulations and by-laws
Joy and James on the four layers of rules a SACCO answers to, from the Act down to the policy manual you use every day.
Switching a loan product's guarantors to Self only
Joy and James on the guarantor setting every loan product carries: why a SACCO closes the door on member guarantors, the two-minute change in CAMS, and what happens to the loans already running.
Opening a loan product to member guarantors — and setting how many
Joy and James on letting members guarantee each other's loans: the two fields to change in CAMS, why the number is a floor and not a ceiling, and the empty-account trap that catches loan committees.
Why save?
Joy and James on saving as a decision you make first rather than what is left over — and on why your savings record is what earns you credit in a SACCO.
Why join a SACCO?
Joy and James on what makes a SACCO different from a bank or a lending app: you own part of it, the surplus comes back to you, and your saving record replaces collateral.
Why borrow — and why borrow responsibly?
Joy and James on the difference between borrowing that makes you richer and borrowing that makes you poorer, and the four habits that keep a loan on the right side of that line.
When should you take a loan?
Joy and James on timing: the four questions to answer before you apply, why a loan decided today is one to be suspicious of, and how to ask for a schedule that starts when your money does.
Why repay your loan on time?
Joy and James on what a late instalment really costs — the penalty, the extra interest, your record, your next loan and your guarantors — and why the conversation to have is before the due date, not after.
How small savings help you grow
Joy and James on why the amount matters less than the habit, how savings work as both money and borrowing power, and why the growth only shows up for people who get through the dull years.
Understanding loans, interest and repayments
Joy and James on the plumbing of a loan: flat rate versus reducing balance, what is deducted before the money reaches you, and the one question that cannot be dressed up.
Saving for emergencies and future goals
Joy and James on why one pot cannot do both jobs: an emergency fund you can reach fast and rebuild, and named goals with an amount and a date so you know the monthly figure.
Protecting your PIN and your account
Joy and James on the one rule that matters most — nobody legitimate ever asks for your PIN or a code you have just received — plus the tricks fraudsters use and what to do in the first hour if something feels wrong.
What you gain by managing your account digitally
Joy and James on what going digital is actually worth to a member: the trips and waiting you get back, balances you can see any time, fewer errors, a faster loan — and USSD for a basic phone.
SACCO loan products, and how the numbers are worked out
Joy and James on the three shapes of SACCO loan, matching the product to when your money arrives, and comparing two offers on the only two numbers that cannot be dressed up.