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Through our intuitive courses, Wakandi equips administrators of Sacco and MFI with essential skills to manage operations effectively.
Releases
Deposits that reach the right member
This release covers two payment paths: the online deposit that posts to a member's account, and the status reported for a disbur…
Read the full note →Faster fixes from support, and fees in the right ledger
This release is about getting answers faster and keeping your books tidy. Our support team now has tools to make common repairs wh…
Read the full note →Sessions that hold and verification that works
This release is about staying signed in and getting members through verification. Sessions that end while someone is still working are being fixed, and members who v...
See what is planned →Withdraw from your phone, documents your way
This release adds two things members and staff have both been asking for. Members will be able to withdraw money from their own phone, and your institution will be a...
See what is planned →Your brand on your own domain
This release is for groups and partners who want to run CAMS under their own name. Branding becomes configurable per domain, so the address your staff and members vi...
See what is planned →Support Articles
Record a member's income, bank, assets and mobile money
Record what a member earns and owns: income, bank account, assets and their mobile money operator. About 3 minutes · 6 steps. Also called: income details, bank account, mobile mone…
Loan product charges, stages and accounting
Finish a loan product: attach its charges, set who handles each workflow stage, and map its ledgers so loans post to the right accounts. About 4 minutes · 7 steps. Also called: loa…
How to add interest rates
Add the interest rates your loan and savings products point to, with the period and calculation each rate uses. About 3 minutes · 6 steps. Also called: interest rate, rate setup, l…
The CAMS Dashboard
Read the Dashboard: the cards and charts that open every time you sign in to CAMS Admin. About 2 minutes · 4 steps. Also called: home screen, overview, charts, statistics. Prerequi…
The AML Reports screen
Find the reports your institution owes the authority and track each one from draft to submitted. About 2 minutes · 4 steps. Also called: STR, LCT report, suspicious transaction rep…
How to screen a name against sanctions lists
Check a person or organisation against international sanctions lists and against your own local list. About 3 minutes · 5 steps. Also called: sanctions check, PEP check, watchlist,…
How to open a member's AML profile
Open a member's AML profile to see their risk classification, KYC status and recent activity in one place. About 2 minutes · 4 steps. Also called: member risk, customer due diligen…
How to trace a transaction and see which rules ran
Find one transaction and see exactly which rules were run against it and which ones matched. About 3 minutes · 5 steps. Also called: check a payment, why was this flagged, transact…
The AML Risk Monitoring dashboard
The dashboard is the screen to open first each morning: it answers "is anything urgent today?" in one look. About 2 minutes · 3 steps. Also called: compliance dashboard, AML overvi…
How to work an AML case
Pick up a case from the queue, record what you found, and move it to the right status. About 4 minutes · 7 steps. Also called: alert, investigation, review a flag. Prerequisites -…
How an AML case is scored
Read a case's score, matched pattern and evidence so you can tell how strong the flag really is. About 2 minutes · 3 steps. Also called: risk score, why was this flagged, alert evi…
Your duty to report, and why you must never tip off
When a transaction must be reported, who decides and files, and why the member must never find out. About 4 minutes · 7 steps. Also called: suspicious transaction reporting, STR, t…
Records, retention and being ready for an inspection
The records an inspector will ask for, and the clocks that decide how long each one must be kept. About 3 minutes · 6 steps. Also called: record keeping, retention, audit readiness…
The eleven AML monitoring rules
The eleven monitoring rules in Wakandi AML Risk Monitoring, and the behaviour each one looks for. About 2 minutes · 3 steps. Also called: AML rules, detection rules, what gets flag…
Politically exposed persons and sanctions: what the checks are for
Why members are screened against politically exposed person and sanctions lists, and what a hit does and does not mean. About 4 minutes · 7 steps. Also called: PEP checks, sanction…
Red flags: what suspicious activity looks like in a SACCO
Recognise the everyday warning signs of laundering at a SACCO, and know what to do the moment you see one. About 3 minutes · 5 steps. Also called: warning signs, suspicious indicat…
What money laundering is, and how it works
What money laundering is, how criminals do it in three stages, and why a savings institution sits in the middle of stage one. About 3 minutes · 6 steps. Also called: laundering, di…
Why a SACCO is a target, and what is expected of you
Why savings and credit institutions attract money launderers, and the duties that follow for your institution and for you. About 3 minutes · 5 steps. Also called: AML awareness, st…
Know Your Customer: getting a member identified properly
Identify a new member correctly at onboarding, so the record is complete, verified and usable when a question comes later. About 4 minutes · 9 steps. Also called: KYC, customer ide…
Customer due diligence and the risk-based approach
Decide how much checking a member needs, using the three levels of due diligence your policy sets. About 4 minutes · 7 steps. Also called: CDD, risk-based approach, know your custo…
Find the entry behind a wrong balance
Trace a wrong ledger balance to the entry that caused it, post the correction, and prove the balances agree again. About 3 minutes · 6 steps. Also called: wrong balance, ledger ent…
Faster fixes from support, and fees in the right ledger, 4 August 2026
Released: 4 August 2026 · Build: 26.08.01 Summary This release is about getting answers faster and keeping your books tidy. Our support team now has tools to make common repairs wh…
Coming: your brand on your own domain, 13 August 2026
Expected: 13 August 2026 · Build: 26.08.04 · Planned release Plans can change. This note describes work planned for an upcoming release. Some of it is still being built, so what sh…
Coming: withdraw from your phone, documents your way, 11 August 2026
Expected: 11 August 2026 · Build: 26.08.03 · Planned release Plans can change. This note describes work planned for an upcoming release. Some of it is still being built, so what sh…
Coming: sessions that hold and verification that works, 6 August 2026
Expected: 6 August 2026 · Build: 26.08.02 · Planned release Plans can change. This note describes work planned for an upcoming release. Some of it is still being built, so what shi…
How to add AML users and choose their role
Add someone to Wakandi AML Risk Monitoring and give them the right role. About 4 minutes · 6 steps. Also called: add a user, permissions, access, compliance officer login. Prerequi…
How to export AML analytics
Pull a rule performance summary or a transaction export for a date range you choose. About 3 minutes · 5 steps. Also called: AML reports, export, rule statistics. Prerequisites - A…
Customer baselines: how normal is worked out
See what the system treats as normal for one member, and why that decides whether their activity is flagged. About 4 minutes · 4 steps. Also called: normal behaviour, member profil…
How to tune an AML monitoring rule
Change how sensitive a monitoring rule is, and choose who gets told when it fires. About 6 minutes · 6 steps. Also called: edit a rule, change a threshold, too many alerts. Prerequ…
How to set your AML configurations
Set the thresholds, deadlines and windows that the built-in monitoring rules read. About 5 minutes · 4 steps. Also called: AML settings, thresholds, reporting limit. Prerequisites…
Reconcile Business Account collections against your bank
Read your Business Account tabs in the right order, so you can explain the gap between the wallet balance and the money in your bank. About 6 minutes - 8 steps. Also called: WBA, p…
How to create a membership policy
Create a membership policy in Settings, so staff can assign it when they onboard a new member. About 4 minutes · 7 steps. Also called: joining fee policy, member policy, membership…
Check what a guarantor already covers before you approve
Check how many loans a member already guarantees, and how much cover they have given, before you accept them as a guarantor again. About 4 minutes - 8 steps. Also called: guarantor…
Register a fixed asset and set its depreciation
You will register one purchased asset in the fixed asset register and set how it depreciates. About 8 minutes - 10 steps. Also called: add fixed asset, asset register, depreciation…
Set up loan provisioning bands for risk classification
Create the provisioning criteria that CAMS uses to classify loan risk and drive your provisioning figures. About 6 minutes - 8 steps. Also called: provisioning criteria, loan loss…
Check that account balances match the ledger
Run the CAMS account balance reports and match them against your ledger figures before you close a period. About 8 minutes - 7 steps. Also called: control account tie-out, month-en…
Check the financial year dates before you post or report
Find the financial years your organisation has defined, and get the exact dates your postings and reports should sit inside. About 3 minutes - 6 steps. Also called: accounting peri…
Contribute to your share account by USSD
Pay money into your SACCO share account from any phone, using the USSD menu. About 3 minutes - 8 steps. Also called: buy shares, share capital, contribution, phone menu, no interne…
Create a Credit Product Policy in Settings
Create a credit product policy in Settings, so a lending product carries the credit rules and limits your SACCO has agreed. About 4 minutes - 8 steps. Also called: CPP, credit poli…
Set up a cash or bank account so the Cash Book and reconciliation work
Create a cash or bank ledger and register it as a cash/bank account, so it reaches the Cash Book and can be reconciled. About 4 minutes · 7 steps. Also called: bank ledger setup, c…
Connect an online payment provider to a SACCO
Add an online payment provider to a SACCO so member money can be collected and paid out online. About 5 minutes - 8 steps. Also called: mobile money setup, wallet, payment integrat…
Create an asset type and point it at the right ledgers
You will create an asset type in CAMS and link it to the correct asset ledger and depreciation ledger. About 4 minutes - 7 steps. Also called: asset class setup, depreciation rate…
Turn on maker-checker approvals for a credit association
Switch on dual control for one credit association, so sensitive actions need a second person to approve them. About 5 minutes - 7 steps. Also called: dual control, four eyes, maker…
Change a member's phone number or mobile network operator
Change the phone number or mobile network operator on a member's record, then confirm the change took effect. About 4 minutes · 8 steps. Also called: mobile money details, MNO chan…
Write off a loan you cannot recover
Write off a loan your institution has accepted it will not recover, then confirm the result. About 3 minutes · 6 steps. Also called: bad debt write-off, loan write off, Written Off…
Add a charge to a member and follow up what they owe
Raise a charge against a member's own record, then check what that member still owes. About 5 minutes - 7 steps. Also called: member charge, registration fee, Add Charge, outstandi…
Check share capital before you pay dividends
Produce a point-in-time report of member share positions and download it as your evidence. About 5 minutes - 6 steps. Also called: share capital report, share snapshot, dividend ba…
How to create a message template
Write the message wording once as a template, ready to send by SMS, email or push. About 3 minutes · 7 steps. Also called: SMS template, notification template, message wording. Pre…
Run and save a SASRA return for the period
Generate SASRA Form 2A Capital Adequacy for one reporting period and save it. Every SASRA form follows this pattern. About 3 minutes · 6 steps. Also called: SASRA return, Form 2A,…
How to add a branch
Create a new branch in CAMS and confirm it appears in the branch list. About 4 minutes - 10 steps. Also called: branches, new office, branch code, Settings Branches. Prerequisites…
How to reconcile a provider statement (M-Pesa, Airtel, bank)
Upload a provider statement for reconciliation and read how many of its records have been processed. About 6 minutes - 9 steps. Also called: payment reconciliation, statement uploa…
Review the day's transactions before you close
Run the day's transaction reports for your branch, review what was reversed, and keep a copy of both. About 4 minutes · 7 steps. Also called: end of day check, daily transaction re…
Collect the fees on a loan application before you disburse
Collect and confirm every fee on a loan application, so a loan is never funded with fee income still outstanding. About 6 minutes - 10 steps. Also called: application fee, loan cha…
Run an MSP return and pick the right form variant
Pick the MSP card that matches the return your institution files, generate it for a period, and save it. About 5 minutes - 8 steps. Also called: MSP01, MSP03 MFI, MSP returns, micr…
Set the permissions on a staff role
You will open a staff role in CAMS and change exactly which permissions it grants. About 5 minutes - 8 steps. Also called: role permissions, edit a role, change staff access rights…
Capture a new loan application for a member
Start a loan application for a member and check every detail while it can still be edited. About 4 minutes · 7 steps. Also called: new loan application, capture a loan request, app…
Check which financial year is open before you post or report
Find out which financial years your organisation has defined, and get the exact dates your postings and reports should sit inside. About 3 minutes · 6 steps. Also called: accountin…
Correct a transaction you posted in error
Correct a client transaction you posted by mistake, then prove the correction afterwards. About 4 minutes · 8 steps. Also called: error correction, reverse a transaction, undo a wr…
Check whether a member's mobile money payment went through
Look up a member's mobile money payment in the CAMS online transactions list and tell them whether it went through. About 4 minutes - 7 steps. Also called: money left my phone, pay…
Check that member balances match the ledger
Check that the member-side balances in CAMS agree with the ledger figures in your books before you close a period. About 3–4 minutes · 7 steps. Also called: control account tie-out…
Check whether your messages arrived, and fix a failed batch
Check whether a message batch reached everyone, find out why part of it failed, and fix the cause. About 3 minutes · 7 steps. Also called: SMS not received, delivery report, failed…
Choose which background jobs run for a credit association
Turn the background jobs on or off for one credit association, so its automatic processes run as intended. About 4 minutes - 7 steps. Also called: scheduled tasks, automated jobs,…
Correct a wrongly charged fee: create or revert fees on a business account
Correct a fee on a Sacco's business account by creating a fee that was never charged or reverting one charged in error. About 5 minutes - 9 steps. Also called: fee reversal, wrong…
Approve or reject a teller transaction request
Review a pending teller transaction request and either approve it or reject it, so the teller's posting can finish. About 4 minutes · 7 steps. Also called: teller approval, authori…
Set how surplus is distributed before you run the Owner's Equity report
Set the percentages that decide how surplus is shared between your equity funds, before you run the Owner's Equity report. About 5 minutes, 9 steps. Also called: equity distributio…
Set the budget and credit limits for a Quick Loan campaign
Choose the loan product and set the money side of a Quick Loan campaign on the Product and Budget step. About 5 minutes, 11 steps. Also called: campaign budget, lending amount, sav…
Set up a SACCO's fee configuration and its effective dates
Set the fees a SACCO is billed for, and the dates the version applies from, so its invoices carry the right prices. About 6 minutes, 10 steps. Also called: fees config, billing set…
Print a statement for a member who asks
Produce a dated statement for a member standing at your counter, and print or download it there and then. About 3–4 minutes · 7 steps. Also called: member statement, account statem…
Approve a member's KYC documents
Approve a member's KYC documents on the KYC tab, so their KYC Status moves away from Pending. About 4 minutes · 8 steps. Also called: KYC approval, clear KYC, know your customer si…
Map your Cash Flow Statement lines to ledger categories
Map each operating, investing and financing line to a ledger category so your Cash Flow Statement reports real figures. About 4 minutes · 7 steps. Also called: cash flow setting, e…
Import a list of members from a spreadsheet
Load many members at once from a filled spreadsheet, and check every row before it reaches your register. About 4 minutes · 8 steps. Also called: bulk member upload, member templat…
Importing transactions from a file
Import a file of transactions and follow the batch from spreadsheet rows to posted entries. About 4 minutes · 8 steps. Also called: bulk upload, batch upload, spreadsheet import. P…
Security checks when you sign in to CAMS
Understand the checks that run every time you sign in to CAMS, and what to do when one of them stops you. About 3 minutes · 6 steps. Also called: login, password, one time code, OT…
How your monthly subscription billing works
Understand what your monthly subscription invoice covers, when the fee is taken, and what happens if there is not enough balance. About 2 minutes to read. Also called: billing, sta…
Take a savings deposit or withdrawal at the counter
Serve a member paying money in or taking money out of their savings account, from the teller screen. About 3 minutes · 7 steps. Also called: counter deposit, cash withdrawal, clien…
Open your till, top it up, and close it
Open your till with a float at the start of the day, move cash in or out during it, and close it at the end. About 3 minutes · 6 steps. Also called: till opening, till closing, til…
What CAMS monitors for money laundering
What Wakandi watches for on your members' transactions, who controls the thresholds, and what falls outside it. About 3 minutes · 3 steps. Also called: AML, transaction monitoring,…
Loans that complete and logins that hold, 30 July 2026
Released: 30 July 2026 · Build: 26.07.09 Summary This release is about loan processing and account security. Loan approvals, closures and rescheduling complete and save, and a loan…
Deposits that reach the right member, 31 July 2026
Released: 31 July 2026 · Build: 26.07.09.01 Summary This release covers two payment paths: the online deposit that posts to a member's account, and the status reported for a disbur…
Transactions and Fees in CAMS
In CAMS Transactions you post till transactions, charge fees and penalties, and look up recorded transactions. About 3 minutes · 9 steps. Also called: teller, till, cash transactio…
Fund Settlement
Send a SACCO's pooled funds to its own bank or mobile money account by running a manual settlement in the CAMS Superadmin Portal. About 5 minutes · 9 steps. Also called: payout, se…
Wakandi Pay overview
Wakandi Pay links your SACCO to the banks and mobile money providers your members use, so collections and disbursements reach CAMS without manual entry. About 4 minutes · 6 steps.…
Start a loan's repayments on a date you choose
Set the date a borrower's first repayment falls due, separately from the day the loan is paid out. About 5 minutes · 8 steps. Also called: first repayment date, installment start d…
Prepayment Recalculation Methods
See what happens to a loan's repayment schedule in CAMS when a member pays early or pays more than the instalment due. About 4 minutes · 10 steps. Also called: early repayment, ove…
Set your country and language in CAMS Admin
Change the language CAMS uses for you, and see which country the institution you are working in belongs to. About 2 minutes · 5 steps. Also called: change language, translate, swit…
Charge a different disbursement fee on one loan product
Set a disbursement fee that applies to one loan product only, instead of charging the same fee on every loan. About 5 minutes · 8 steps. Also called: processing fee, loan charge, p…
Bank Integration
Record a member's bank account in CAMS, then check the money moving in and out through the bank. About 5 minutes · 10 steps. Also called: bank details, payouts, collections, settle…
The rules that govern your SACCO: Acts, regulations and by-laws
Listen to this article — about 4 min Every SACCO sits inside a framework of rules. Some come from the law and the regulator, and some the SACCO writes for itself. Knowing which rul…
Staffing and HR essentials
Listen to this article — about 3 min 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…
Shares and dividends
Listen to this article — about 3 min 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…
Pricing a loan: fees, interest and penalties
Listen to this article — about 3 min The price of a loan is more than its interest rate. It is the fees, the interest method, the penalties and the repayment period all taken toget…
Membership: joining, rights and leaving
Listen to this article — about 3 min 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…
Liquidity and the ratios that keep your SACCO healthy
Listen to this article — about 3 min 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…
Financial statements and reporting to the Registrar
Listen to this article — about 3 min Every shilling a SACCO takes in and pays out ends up in its financial statements. Those statements, prepared honestly, checked by an auditor an…
Developing a new loan product
Listen to this article — about 3 min A new loan product should never start with "let's launch a new loan." It should start with a member need you have actually observed, and end wi…
Savings Account Status
Saving accounts can have multiple status as mentioned below Active Members are allowed to perform both deposits and withdrawals when account status is active. Inactive Members are…
Protecting your loans
Listen to this article — about 3 min Loan protection, often called credit-life cover, clears a member's outstanding loan if they die or become permanently disabled. It protects the…
Budgeting and budgetary control
Listen to this article — about 3 min A budget is your SACCO's financial plan for the year: what you expect to earn, what you plan to spend, and how you intend to grow. Budgetary co…
Writing a sound loan policy
Listen to this article — about 3 min A loan policy is the written rulebook for how your SACCO lends money. It sets out what you lend, to whom, on what terms, and who can approve it…
Appraising a loan: the 5 Cs
Listen to this article — about 3 min Appraising a loan means checking whether a member can really repay before you lend. The classic framework is the 5 Cs of credit, used by lender…
Internal controls every SACCO needs
Listen to this article — about 3 min Internal controls are the everyday checks that keep members' money safe. They make sure no single person can move funds, change records and hid…
Governance: board, committees and the AGM
Listen to this article — about 3 min Good governance is how members stay in charge of their own SACCO. It is the structure of who sets the rules, who checks the books, and who runs…
Managing delinquency: PAR and recovery
Listen to this article — about 3 min Delinquency is when loan repayments fall behind schedule. Managing it well protects your income and your members' savings. The key measure is P…
Who does what: the core SACCO roles
Listen to this article — about 3 min Running a healthy SACCO depends on clear roles, where everyone knows what they are responsible for. Splitting the work into distinct functions…
Cash handling and controls
Listen to this article — about 2 min Cash is the easiest asset to lose and the hardest to trace. Good cash handling protects your members' money, your staff, and your SACCO's reput…
Audit: internal and external
Listen to this article — about 3 min An audit is an independent check that your SACCO's money, records, and controls are sound. There are two kinds, and a healthy SACCO uses both.…
Set or reset your USSD PIN
Set your USSD PIN the first time, or replace one you have forgotten, so you can move money from your phone. About 2 minutes · 5 steps. Also called: secret code, forgot PIN, passwor…
Loan approvals now respect roles and your Credit Product Policy
Approve, reject or hold a loan application in CAMS. Each stage is limited by your role and by the loan product's Credit Product Policy. About 4 minutes · 9 steps. Also called: loan…
How to record a loan repayment
Record a member's loan repayment at the teller, then check it landed on the loan. About 4 minutes · 9 steps. Also called: loan payment, pay back a loan, instalment, repay. Prerequi…
How to reschedule a loan
Rebuild a loan's repayment plan so it matches what the borrower can now pay — after their circumstances change, or to restructure arrears. About 3 minutes · 6 steps. Also called: r…
Apply for a loan by USSD
Apply for a SACCO loan from your phone: pick a product, read the terms, and send the application. About 3 minutes · 7 steps. Also called: borrow, credit, loan application. Prerequi…
How to top up your SMS balance
Buy more SMS credits so your messages keep going out. About 3 minutes · 7 steps. Also called: buy SMS credits, recharge, add credits, SMS balance. Prerequisites - Access to Message…
How to add an SMS segment
Create a segment, a saved group of members, so one send reaches all of them at once. About 3 minutes · 7 steps. Also called: group, audience, member list, recipient group, mailing…
How to reach out to members via SMS
Send one SMS to a whole segment of members, using a template and a saved segment. About 4 minutes · 8 steps. Also called: text message, bulk SMS, broadcast, notify members. Prerequ…
How to add and manage administrators
Add an administrator, give them the right role, and keep admin access up to date on the User Management screen. About 4 minutes · 8 steps. Also called: users, admin accounts, staff…
How to sign in and navigate CAMS Admin
Sign in to CAMS Admin and find your way around the top bar and the main menu. About 3 minutes · 5 steps. Also called: log in, open CAMS, the main menu, the sidebar. Prerequisites -…
How to top up the Wakandi Business Account
Put money into your SACCO's Wakandi Business Account so CAMS can keep covering the services you use. About 4 minutes · 8 steps. Also called: add funds, fund wallet, load fees walle…
How to configure holidays and working days
Set your SACCO's working days and public holidays so loan schedules and arrears follow real business days. About 4 minutes · 8 steps. Also called: holiday calendar, working days, p…
Where to see and update the transaction security PIN
Send a member a one-time code so they can set or reset the transaction PIN used for USSD and mobile transactions. About 3 minutes · 5 steps. Also called: reset member PIN, forgot P…
How to create or update the SACCO policy
Create or change the rules your SACCO runs by on the Policies screen in CAMS Settings. About 4 minutes · 7 steps. Also called: SACCO rules, membership rules, lending policy, loan p…
How to configure savings and share products
Set up the savings and share products your members can open, each with its own name, type and general ledger code. About 4 minutes · 7 steps. Also called: savings products, share p…
How to add fees and penalties
Set up the fees and penalties your products charge, each posting to the right general ledger code. About 3 minutes · 6 steps. Also called: charges, loan fees, late payment penalty,…
Understanding accounts reconciliation
Check that every ledger's balance is right by comparing its opening balance, debits, credits and closing balance before you report on the books. About 3 minutes · 6 steps. Also cal…
Accessing reports in CAMS
Find any report in CAMS, run it with the right filters, and download the figures. Every report follows the same road; learn it once here. About 3 minutes · 6 steps. Also called: vi…
Where to find Accounting reports
Find, run and download your SACCO's financial statements from the Accounting Reports screen in CAMS. About 3 minutes · 6 steps. Also called: financial statements, trial balance, in…
Introduction to savings reports
Pick the right savings report: the day-to-day extract, the position at one date, or the accounts outside policy limits. About 2 minutes · 4 steps. Also called: savings reports, dep…
Making general ledger transactions as a teller
Post a general ledger entry from the teller screen, for money not tied to a member account. About 4 minutes · 8 steps. Also called: GL transaction, journal entry, ledger posting, c…
Posting an expense transaction
Record a Sacco running cost, such as office supplies or travel, so the money leaves your cash or bank account and the right expense ledger is updated. About 4 minutes · 8 steps. Al…
Add a member's KYC documents and address
Attach a member's identity documents and record their address, so their KYC record is ready for approval. About 3 minutes · 5 steps. Also called: KYC documents, upload ID, member a…
Where to add savings and share accounts for a member
Open a savings account and a share account for a member from their profile. About 3 minutes · 6 steps. Also called: open member account, add saving, add share, link account to memb…
How to add a new member (detailed)
Create a member record with the full set of personal details in one pass, then confirm it saved. About 4 minutes · 7 steps. Also called: register a member, create a client, member…
How to add a new member
Add a new individual member (client) to your SACCO, from the Clients screen to a saved record. About 4 minutes · 8 steps. Also called: add a member, register a new client, create c…
How to set up the Chart of Accounts
Build your SACCO's account structure in CAMS: add groups to the Chart of Accounts, then add the ledgers that transactions post to. About 4 minutes · 8 steps. Also called: COA, ledg…
Pay to an account by USSD
Send money into a SACCO account with Pay to Account on the main USSD menu. About 2 minutes · 5 steps. Also called: transfer, send money, pay a member. Prerequisites - The phone wit…
Get a QuickLoan by USSD
Borrow a QuickLoan from the main USSD menu and get a decision straight away. About 2 minutes · 5 steps. Also called: instant loan, fast loan, emergency loan. Prerequisites - The ph…
Repay a loan by USSD
Pay money towards a SACCO loan from mobile money — part of it, or all of it. About 3 minutes · 7 steps. Also called: repayment, pay back, settle. Prerequisites - The phone with you…
Check your balances by USSD
Check a savings, shares or loan balance from your phone, and read what each figure means. About 3 minutes · 5 steps. Also called: balance, how much do I have, statement. Prerequisi…
Your SACCO menu on USSD
What each choice on your SACCO's USSD menu does: Saving , Shares , Loan and Create / Reset PIN . About 3 minutes · 7 steps. Also called: menu options, shortcode menu, balance check…
Pay into your savings by USSD
Pay money into your SACCO savings from mobile money, straight from the dialler. About 3 minutes · 7 steps. Also called: deposit, save, top up, contribute. Prerequisites - The phone…
Getting started on USSD
Use your SACCO from any phone, with no internet and no app, by dialling a USSD code. About 2 minutes · 5 steps. Also called: shortcode, dial code, star-hash code, feature phone. Pr…
How to add collateral and guarantors to a loan
Attach guarantors to a loan and record the assets a member has pledged behind it. About 3 minutes · 6 steps. Also called: loan security, sureties, co-signers, pledged assets, colla…
How to top up a loan
Add more money to a loan a member already has, without repaying and reapplying first. About 4 minutes · 8 steps. Also called: loan increase, additional loan, re-loan, extra loan. P…
How to disburse a loan (cash and mobile money)
Pay out an approved loan, as cash at the teller or straight to the member's mobile-money wallet. About 4 minutes · 8 steps. Also called: pay out a loan, loan payout, mobile money d…
How to add a loan product
Set up a loan product: the template that fixes amount, interest, tenure and repayment rules for every loan created from it. About 4 minutes · 8 steps. Also called: loan type, loan…
Make someone a teller and set what they can post
Give a staff member a till of their own, and decide which transactions they may post without approval first. About 4 minutes · 7 steps. Also called: add a teller, teller permission…
Introduction to loan reports
Pick the right loan report for the question in front of you: balances, arrears, disbursements or portfolio risk. About 3 minutes · 5 steps. Also called: loan reports, arrears repor…
How to appraise a loan application
Read a loan application end to end — the header, the panels and the history — before anyone decides it. About 3 minutes · 6 steps. Also called: loan appraisal, assess a loan applic…
How to approve loan applications
Decide an application at your stage: approve it forward, hold it for more information, or reject it. About 4 minutes · 7 steps. Also called: loan approval, sign off a loan, pending…
How to reconcile the teller
Count your cash at the end of the day, match it to the balance CAMS expects, then close the till. About 4 minutes · 7 steps. Also called: balance the till, cash up, end of day, clo…
How to find a member
Find one member on the Clients screen by searching their name, Member Id, reference number or phone number. About 2 minutes · 5 steps. Also called: search for a member, look up a c…
Settings: language, documents, bank and mobile-money details
A tour of the More menu, where you change language and check the documents, bank and mobile-money details your SACCO holds for you. About 3 minutes · 7 steps. Also called: settings…
View and update your profile
Check and correct your details — name, email and mobile number — in the member app. About 2 minutes · 4 steps. Also called: my details, edit profile, change phone number, change em…
How to apply for a loan
Apply for a SACCO loan in the member app: pick the loan product, fill in the form, and send it for review. About 4 minutes · 8 steps. Also called: loan application, borrow, apply f…
View your shares
See how many shares you hold in your SACCO and what they are worth. About 3 minutes · 5 steps. Also called: my shares, share account, share value. Prerequisites - You can sign in —…
View your savings
See your savings accounts in the member app and understand what each balance means. About 4 minutes · 8 steps. Also called: my contributions, savings balance, available balance, de…
See and repay your loans
Check what you still owe on each loan, and repay a loan from the member app. About 3 minutes · 6 steps. Also called: my loans, loan balance, repay loan, pay loan. Prerequisites - Y…
How to contribute to your savings
Pay money into one of your savings accounts from the member app. About 3 minutes · 7 steps. Also called: deposit, save, pay in, top up savings. Prerequisites - You can sign in — se…
Find your way around the member app
A tour of the member app dashboard, so you know where to see your savings, loans and shares, and where to act. About 4 minutes · 8 steps. Also called: home screen, member dashboard…
How to apply for a Quick Loan
Borrow a small instant loan in the member app and have it paid to your mobile money. About 4 minutes · 8 steps. Also called: instant loan, quick loan, mobile loan, fast cash. Prere…
How to sign in to the member app
Sign in to the Wakandi member app to see your savings, loans and shares. About 3 minutes · 5 steps. Also called: log in, member login, member portal, password. Prerequisites - Your…
How to withdraw from your savings
Ask to take money out of your savings and have it sent to your mobile money or bank. About 4 minutes · 8 steps. Also called: cash out, savings withdrawal, take money out. Prerequis…
Keeping due diligence up to date
A member's file describes them on the day it was made. This lesson is how to notice when today's behaviour stops matching it. About 3 minutes · 5 steps. Also called: ongoing due di…
Write notes that survive an inspection
When you decide an alert is nothing, the note you write is the only thing that survives. This lesson is how to write it. About 3 minutes · 5 steps. Also called: case notes, documen…
Our courses
Using the Member App
Everything a member can do in the app: sign in, save, withdraw, borrow and repay, and manage your profile and details.
Reports & Data
Find and use the reports in CAMS: the reports area, loan reports, and savings reports.
Member Management
Create and maintain members: detailed profiles, savings and share accounts, KYC and supporting details, and the transaction PIN.
Loans Processing
Handle loans end to end: products, applications and approval, disbursement, collateral and guarantors, and rescheduling.
CAMS for Tellers
Test your everyday teller skills in CAMS: serving members, processing transactions, and checking balances. Pass the exam to earn your Wakandi certificate.
CAMS Administration
Administer CAMS: administrators, savings and share products, the SACCO policy, holidays, and fees, penalties and interest.
CAMS Admin Essentials
Get started in CAMS Admin: sign in, find your way around, find a member, and register a new member.
Banking by USSD
Use your SACCO from any phone by USSD. Set your PIN, save, check balances, borrow and repay, and pay to accounts.
Anti-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.
Accounting in CAMS
Set up and run the SACCO books in CAMS: chart of accounts, reconciliation, and financial reports.
Test yourself & take a listen
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.
Explore CAMS by module
Jump straight into any part of the live, clickable demo — no login required.