Podcasts are short audio conversations that explain a topic. Press play and listen to get the why before the how — no reading needed, and easy to follow on the go.
Podcast
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.
Podcast
The silent leak — winning back the lending you lose to mobile apps
The Growth Room, episode 1. Joy and James on the quiet leak every SACCO has — the loans members take from Fuliza and Tala — and three ways to win that lending (and the interest) back.
SACCO Management
Appraising a loan: the 5 Cs
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 everywhere to weigh risk in a balanc…
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Audit: internal and external
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. Why it matters: Members trust you wit…
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Budgeting and budgetary control
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 control is checking, month by month, wh…
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Cash handling and controls
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 reputation. Why it matters: Most cash loss…
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Governance: board, committees and the AGM
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 the business day to day. Why it matt…
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Internal controls every SACCO needs
Internal controls are the everyday checks that keep members' money safe. They make sure no single person can move funds, change records and hide it without someone else noticing. W…
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Managing delinquency: PAR and recovery
Delinquency is when loan repayments fall behind schedule. Managing it well protects your income and your members' savings. The key measure is Portfolio at Risk (PAR), and the key h…
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Protecting your loans
Loan protection, often called credit-life cover, clears a member's outstanding loan if they die or become permanently disabled. It protects the borrower's family and your SACCO's l…
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Who does what: the core SACCO roles
Running a healthy SACCO depends on clear roles, where everyone knows what they are responsible for. Splitting the work into distinct functions is not just tidy, it is a control in…
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Writing a sound loan policy
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. Why it matters: Without a written p…
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