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With Wakandi.
Through our intuitive courses, Wakandi equips administrators of Sacco and MFI with essential skills to manage operations effectively.
Explore CAMS by module
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Our courses
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.
Accounting in CAMS
Set up and run the SACCO books in CAMS: chart of accounts, reconciliation, and financial reports.
CAMS Admin Essentials
Get started in CAMS Admin: sign in, find your way around, find a member, and register a new member.
CAMS Administration
Administer CAMS: administrators, savings and share products, the SACCO policy, holidays, and fees, penalties and interest.
Loans Processing
Handle loans end to end: products, applications and approval, disbursement, collateral and guarantors, and rescheduling.
Member Management
Create and maintain members: detailed profiles, savings and share accounts, KYC and supporting details, and the transaction PIN.
Reports & Data
Find and use the reports in CAMS: the reports area, loan reports, and savings reports.
Banking by USSD
Use your SACCO from any phone by USSD — set your PIN, save, check balances, borrow and repay, and pay to accounts.
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.
Support Articles
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 truly repay before you lend. The classic framework is the 5 Cs of credit, used by lenders…
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
Summary Set up your USSD PIN the first time, or reset it if you've forgotten it — you need this PIN before you can move money by USSD. About 2 minutes · 4 steps. Also called: PIN,…
Loan approvals now respect roles and your Credit Product Policy
Loan approvals now respect roles and your Credit Product Policy About 4 minutes · Released in 26.06.01.06 Summary Loan approvals in CAMS now enforce who is allowed to approve what.…
Repaying a loan in CAMS — and a new API to do it from anywhere
Repaying a loan in CAMS — and a new API to do it from anywhere About 3 minutes · Released in 26.06.01.06 Summary Members can repay loans in CAMS through several channels — at the t…
How to reschedule a loan
Summary Reschedule a loan in CAMS so the repayment plan matches what the borrower can now pay. Use rescheduling when a member's circumstances change or when you need to restructure…
Apply for a loan by USSD
Summary Apply for a SACCO loan from your phone by USSD. About 3 minutes · 5 steps. Also called: borrow, take a loan, loan application by USSD. Prerequisites - A phone using the num…
How to top up your SMS balance
Summary Top up your SMS balance in CAMS so you can keep sending messages to members. About 2 minutes · 5 steps. Also called: buy SMS credits, recharge, add credits, SMS balance. Pr…
How to add an SMS segment
Summary Create a segment — a saved group of members — so you can message the whole group at once. About 2 minutes · 5 steps. Also called: group, audience, member list, recipient gr…
How to reach out to members via SMS
Summary Send an SMS to your members from CAMS — to one person or a whole group — using a ready-made message template. About 4 minutes · 8 steps. Also called: text message, bulk SMS…
How to add and manage administrators
Summary Add new administrators, set their role, and update or deactivate existing admins from the User Management screen. Each admin's role controls what they can see and do in CAM…
How to sign in and navigate CAMS Admin
Summary Sign in to CAMS Admin and find your way around the main menu. About 2 minutes · 3 steps. Also called: log in, open CAMS, the main menu. Prerequisites - A CAMS sign-in (your…
How to top up the Wakandi Business Account
Summary Add money to your SACCO's Wakandi Business Account so CAMS keeps covering the services you use. Top up the Fees Wallet for service charges, or deposit into the Collection a…
How to configure holidays and working days
Summary Set your SACCO's working days and holidays so loan due dates and arrears are calculated against real business days. When you mark a date as a holiday, it is not counted as…
Where to see and update the transaction security PIN
Summary Find a member's transaction security PIN and send them a one-time code so they can set or reset it. The transaction security PIN is the PIN a member uses to authorise USSD…
How to configure savings and share products
Summary Set up the savings and share products your members can open. Each product has a name, a type and a general ledger code so its balances post to the right account. About 6 mi…
How to create or update the Saccos policy
Summary Set the rules your SACCO runs by on the Policies screen, where you edit the Membership, Credit Group and Credit Product policies. Each policy controls a different area, and…
How to add fees, penalties, and interest rates
Summary Set up the fees, penalties, and interest rates that your products charge members. You define each charge once under Product Setup, then your loan and savings products can u…
Understanding accounts reconciliation
Summary Reconciliation checks that every ledger's balance is right by comparing opening balances, debits, credits, and closing balances, so you can trust your books before you repo…
Accessing reports in CAMS
Summary Find your way to any report in CAMS, so you can open it, filter it, and export the figures you need. All member-facing reports sit under one Reports menu, grouped by type.…
Where to find Accounting reports
Summary Find every financial statement your SACCO needs in one place — the Accounting Reports screen, where you pick a report, set a date range, and export it. All accounting repor…
Introduction to savings reports
Summary Find the right savings report in CAMS Admin and know when to use each one. CAMS gives you three savings reports, and picking the wrong one is a common mistake. About 3 minu…
Making general ledger transactions as a teller
Summary Post a general ledger transaction from the teller screen in CAMS Admin, such as moving funds to or from your till. General ledger entries let a teller record money that is…
Posting an expense transaction
Summary Record a SACCO expense from the teller screen so the cash leaves the till and the right expense account is updated. An expense debits an expense ledger and credits your til…
Storing member details (documents, income, residence, bank, assets)
Summary Store a member's supporting details in CAMS so their KYC record is complete and ready for verification. You add documents, income, residence, bank or mobile-money, and asse…
Where to add savings and share accounts for a member
Summary Add a savings account and a share account to a member, so they can deposit, save and hold shares in your SACCO. You work on the member profile, on the Accounts tab, and pic…
How to add a new member (detailed)
Summary Create a full member profile in CAMS by filling in the new client form and saving it. This is the fuller companion to the quick "How to add a member" guide, with more detai…
How to add a new member
Summary Add a new individual member (client) to your SACCO in CAMS, from sign-in to a saved record. About 4 minutes · 8 steps. Prerequisites - Your CAMS sign-in. - Permission to cr…
How to set up the Chart of Accounts
Summary Build and organise your SACCO's ledger structure in the Chart of Accounts, where groups hold the ledgers that every transaction posts to. You add groups to organise the tre…
Pay to an account by USSD
Summary Send money to a SACCO account by USSD using the Pay to Account option on the main menu. About 2 minutes · 5 steps. Also called: pay to account, send money, transfer, pay me…
Get a QuickLoan by USSD
Summary Get an instant QuickLoan from your phone by USSD using the QuickLoan option on the main menu. About 2 minutes · 4 steps. Also called: instant loan, quick loan, fast loan, e…
Repay a loan by USSD
Summary Repay a SACCO loan from your phone by USSD. About 2 minutes · 5 steps. Also called: pay loan, loan repayment, settle loan by USSD. Prerequisites - A phone using the number…
Check your balances by USSD
Summary Check your savings, shares, or loan balance from your phone by USSD. About 1 minute · 4 steps. Also called: balance, how much do I have, check savings, check loan, statemen…
Your SACCO menu on USSD
Summary What each choice on your SACCO's USSD menu does — Saving, Shares, Loan, and Create / Reset PIN. About 1 minute to read. Also called: USSD menu, SACCO menu, dial code option…
Pay into your savings by USSD
Summary Pay money into your SACCO savings from your phone by USSD — no app or internet needed. About 2 minutes · 5 steps. Also called: deposit, save money, pay in, top up savings,…
Getting started on USSD
Summary Reach your savings, shares, and loans from any phone — even without internet or a smartphone — by dialing the USSD code. About 1 minute · 4 steps. Also called: USSD, shortc…
How to add collateral and guarantors to a loan
Summary Attach collateral and guarantors to a loan so the loan is properly secured, and find them again on the loan later. Guarantors and collateral are usually captured while the…
How to top up a loan
Summary Top up a member's active loan — lend them more without closing the loan and starting again. CAMS adds the extra money to the loan's outstanding balance, works out the new p…
How to disburse a loan (cash and mobile money)
Summary Pay out an approved loan in CAMS Admin by cash at the teller or to the member's mobile-money wallet. Disbursing releases the money and starts the repayment schedule, so che…
How to add a loan product
Summary Set up a loan product — the reusable template that every member loan is built from. A product controls the loan's amount range, interest, repayments, guarantors, charges, t…
How to appraise a loan application
Summary Work a loan application through its appraisal stages — from pre-qualification to funding — reviewing the member and loan details at each step. About 4 minutes to read. Also…
How to approve loan applications
Summary Review a member's loan application in CAMS Admin and approve, reject, or hold it. Approving moves the loan forward to the next stage, so check the figures and amounts befor…
How to reconcile the teller
Summary Reconciling the teller means counting your physical cash and matching it to the system balance, so you can close your till at the end of the day with confidence. You review…
Introduction to loan reports
Summary Open the loan reports in CAMS Admin and pick the right report to check loan balances, arrears, and portfolio risk. This guide explains where loan reports live and what each…
Set up and manage tellers and tills
Summary Set up and manage your SACCO's tellers and their tills — who holds a till, on which branch, and what's in it. About 3 minutes to read. Also called: till administration, tel…
How to find a member
Summary Find a member quickly on the Clients screen, by name, ID, or phone number. About 1 minute · 4 steps. Prerequisites - Your CAMS sign-in. - Something to search by: the member…
Settings: language, documents, bank and mobile-money details
Summary A tour of the More menu — change your language, and view your documents, bank, and mobile-money details. About 1 minute to read. Also called: settings, language, documents,…
View and update your profile
Summary View and update your personal details — your name, email, and phone number — in the member app. About 1 minute · 3 steps. Also called: my details, edit profile, change phon…
How to apply for a loan
Summary Apply for a SACCO loan in the member app — pick the loan product, enter the amount and term, and submit it for review. About 5 minutes · 6 steps. Also called: loan applicat…
View your shares
Summary Check how many shares you hold and their value in the member app. About 1 minute · 3 steps. Also called: my shares, shares balance, share account. Prerequisites - You're si…
View your savings
Summary Check your savings balance and account details in the member app. About 1 minute · 3 steps. Also called: my contributions, savings balance, available balance, statement. Pr…
See and repay your loans
Summary Check your loans and repay them in the member app. About 2 minutes · 4 steps. Also called: my loans, loan balance, repay loan, loan statement, pay loan. Prerequisites - You…
How to contribute to your savings
Summary Pay money into your savings account from the member app. About 1 minute · 5 steps. Also called: deposit, save, add to savings, pay in, top up savings. Prerequisites - You'r…
Find your way around the member app
Summary A tour of your member dashboard, so you know where to see your savings, loans, and shares, and where to apply or contribute. About 2 minutes to read. Also called: home scre…
How to apply for a Quick Loan
Summary Get a small instant loan in the member app in a few taps, paid straight to your mobile money. About 2 minutes · 5 steps. Also called: instant loan, quick loan, mobile loan,…
How to sign in to the member app
Summary Sign in to the Wakandi member app to see your savings, loans, and shares, and to apply for a loan. About 1 minute · 4 steps. Also called: log in, member login, member porta…
How to withdraw from your savings
Summary Request to take money out of your savings, sent to your mobile money or bank. About 2 minutes · 7 steps. Also called: cash out, take out savings, savings withdrawal. Prereq…
Bank Integration
Wakandi is integrated with Banks to support fund collections and disbursements for the SACCOs. Integration is done through the apis offered by banks to process these transactions.…
Fund Settlement
Wakandi pooled account is shared by multiple SACCOs for the collection and disbursements. Wakandi provides full visibility to SACCOs on those transactions and total available funds…
Prepayment Recalculation Methods
Prepayment Methods: Original Payment schedule Loan Amount: $1000 Tenure: 6 months EMI Date: 21st of every month Interest rate: 10.33% Calculations scenario: Monthly/daily basis Sce…
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…
Transactions and Fees in CAMS
To ensures that all the transaction details are stored at a single place when needed for tracking and auditing. Transaction details are stored in transaction table, and the entries…
Wakandi Pay overview
Wakandi Pay provides integrations with different Banks and MNOs to SACCOs within the Wakandi Ecosystem. There are three possible ways of integrations with Financial Institutions (B…
Test yourself & take a listen
Appraising a loan: the five Cs
SACCO Management. 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.
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Settings & Administration
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