Wakandi Academy

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…

Version 2 · Updated 6 Aug 2026

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…

Version 1 · Updated 6 Aug 2026

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…

Version 1 · Updated 6 Aug 2026

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…

Version 2 · Updated 6 Aug 2026

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…

Superadmin

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…

Superadmin

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,…

Superadmin

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…

Updated 1 Aug 2026

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…

Updated 1 Aug 2026

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…

Updated 1 Aug 2026

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…

Version 1 · Updated 26 Jul 2026

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…

Version 1 · Updated 30 Jun 2026

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…

Version 1 · Updated 30 Jun 2026

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…

Version 1 · Updated 30 Jun 2026

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…

Version 1 · Updated 26 Jun 2026

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…

Version 1 · Updated 26 Jun 2026

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…

Version 1 · Updated 18 Jun 2026

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…