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The CAMS Dashboard
Read the Dashboard: the cards and charts that open every time you sign in to CAMS Admin.
Read moreChange 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.
Read moreApprove a member's KYC documents
Approve a member's KYC documents on the KYC tab, so their KYC Status moves away from Pending.
Read moreSecurity 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.
Read moreHow to sign in and navigate CAMS Admin
Sign in to CAMS Admin and find your way around the top bar and the main menu.
Read moreHow 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.
Read moreWhere to add savings and share accounts for a member
Open a savings account and a share account for a member from their profile.
Read moreHow to add a new member
Add a new individual member (client) to your SACCO, from the Clients screen to a saved record.
Read moreHow to find a member
Find one member on the Clients screen by searching their name, Member Id, reference number or phone number.
Read moreRecord 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.
Read moreHow to create a membership policy
Create a membership policy in Settings, so staff can assign it when they onboard a new member.
Read moreImport 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.
Read moreWhere 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.
Read moreAdd 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.
Read moreHow to add a new member (detailed)
Create a member record with the full set of personal details in one pass, then confirm it saved.
Read moreFind 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.
Read moreRegister a fixed asset and set its depreciation
You will register one purchased asset in the fixed asset register and set how it depreciates.
Read moreCheck 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.
Read moreCreate 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.
Read moreSet 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.
Read moreHow 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.
Read moreRun 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.
Read moreCheck 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.
Read moreCheck 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.
Read moreSet 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.
Read moreMap 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.
Read moreImporting transactions from a file
Import a file of transactions and follow the batch from spreadsheet rows to posted entries.
Read moreFund 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.
Read moreUnderstanding 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.
Read moreWhere to find Accounting reports
Find, run and download your SACCO's financial statements from the Accounting Reports screen in CAMS.
Read moreHow 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.
Read moreAdd 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.
Read moreHow to add a branch
Create a new branch in CAMS and confirm it appears in the branch list.
Read moreReview 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.
Read moreCorrect a transaction you posted in error
Correct a client transaction you posted by mistake, then prove the correction afterwards.
Read moreApprove 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.
Read moreTake 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.
Read moreOpen 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.
Read moreTransactions and Fees in CAMS
In CAMS Transactions you post till transactions, charge fees and penalties, and look up recorded transactions.
Read moreMaking general ledger transactions as a teller
Post a general ledger entry from the teller screen, for money not tied to a member account.
Read morePosting 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.
Read moreMake 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.
Read moreHow to reconcile the teller
Count your cash at the end of the day, match it to the balance CAMS expects, then close the till.
Read moreHow to change a loan product's guarantor setting to Self only
Stop other members guaranteeing loans on a product, so borrowers back their loans with their own savings only.
Read moreHow to allow member guarantors on a loan product and set how many
Let members guarantee each other's loans on a product, and set how many guarantors each new loan needs.
Read moreLoan 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.
Read moreReconcile 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.
Read moreCheck 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.
Read moreSet up loan provisioning bands for risk classification
Create the provisioning criteria that CAMS uses to classify loan risk and drive your provisioning figures.
Read moreCreate 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.
Read moreCheck that account balances match the ledger
Run the CAMS account balance reports and match them against your ledger figures before you close a period.
Read moreCheck share capital before you pay dividends
Produce a point-in-time report of member share positions and download it as your evidence.
Read moreWrite off a loan you cannot recover
Write off a loan your institution has accepted it will not recover, then confirm the result.
Read moreCollect 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.
Read moreCapture a new loan application for a member
Start a loan application for a member and check every detail while it can still be edited.
Read moreChoose 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.
Read moreSet 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.
Read moreSet 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.
Read moreStart 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.
Read morePrepayment 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.
Read moreHow to record a loan repayment
Record a member's loan repayment at the teller, then check it landed on the loan.
Read moreLoan 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.
Read moreHow 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.
Read moreHow to add collateral and guarantors to a loan
Attach guarantors to a loan and record the assets a member has pledged behind it.
Read moreHow to top up a loan
Add more money to a loan a member already has, without repaying and reapplying first.
Read moreHow 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.
Read moreHow 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.
Read moreHow to appraise a loan application
Read a loan application end to end — the header, the panels and the history — before anyone decides it.
Read moreHow to approve loan applications
Decide an application at your stage: approve it forward, hold it for more information, or reject it.
Read moreRun 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.
Read moreCheck 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.
Read morePrint 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.
Read moreAccessing 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.
Read moreIntroduction to savings reports
Pick the right savings report: the day-to-day extract, the position at one date, or the accounts outside policy limits.
Read moreIntroduction to loan reports
Pick the right loan report for the question in front of you: balances, arrears, disbursements or portfolio risk.
Read moreSavings 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…
Read moreHow to add interest rates
Add the interest rates your loan and savings products point to, with the period and calculation each rate uses.
Read moreSet the permissions on a staff role
You will open a staff role in CAMS and change exactly which permissions it grants.
Read moreHow 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.
Read moreWhat CAMS monitors for money laundering
What Wakandi watches for on your members' transactions, who controls the thresholds, and what falls outside it.
Read moreWakandi 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.
Read moreSet 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.
Read moreCharge 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.
Read moreBank Integration
Record a member's bank account in CAMS, then check the money moving in and out through the bank.
Read moreHow 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.
Read moreHow to configure holidays and working days
Set your SACCO's working days and public holidays so loan schedules and arrears follow real business days.
Read moreHow to create or update the SACCO policy
Create or change the rules your SACCO runs by on the Policies screen in CAMS Settings.
Read moreHow 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.
Read moreHow to add fees and penalties
Set up the fees and penalties your products charge, each posting to the right general ledger code.
Read moreSettings: 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.
Read moreView and update your profile
Check and correct your details — name, email and mobile number — in the member app.
Read moreHow 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.
Read moreView your shares
See how many shares you hold in your SACCO and what they are worth.
Read moreView your savings
See your savings accounts in the member app and understand what each balance means.
Read moreSee and repay your loans
Check what you still owe on each loan, and repay a loan from the member app.
Read moreHow to contribute to your savings
Pay money into one of your savings accounts from the member app.
Read moreHow to apply for a Quick Loan
Borrow a small instant loan in the member app and have it paid to your mobile money.
Read moreFind 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.
Read moreHow to sign in to the member app
Sign in to the Wakandi member app to see your savings, loans and shares.
Read moreHow to withdraw from your savings
Ask to take money out of your savings and have it sent to your mobile money or bank.
Read moreContribute to your share account by USSD
Pay money into your SACCO share account from any phone, using the USSD menu.
Read moreSet 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.
Read moreApply for a loan by USSD
Apply for a SACCO loan from your phone: pick a product, read the terms, and send the application.
Read morePay to an account by USSD
Send money into a SACCO account with Pay to Account on the main USSD menu.
Read moreGet a QuickLoan by USSD
Borrow a QuickLoan from the main USSD menu and get a decision straight away.
Read moreRepay a loan by USSD
Pay money towards a SACCO loan from mobile money — part of it, or all of it.
Read moreCheck your balances by USSD
Check a savings, shares or loan balance from your phone, and read what each figure means.
Read moreYour SACCO menu on USSD
What each choice on your SACCO's USSD menu does: Saving , Shares , Loan and Create / Reset PIN .
Read morePay into your savings by USSD
Pay money into your SACCO savings from mobile money, straight from the dialler.
Read moreGetting started on USSD
Use your SACCO from any phone, with no internet and no app, by dialling a USSD code.
Read moreThe AML Reports screen
Find the reports your institution owes the authority and track each one from draft to submitted.
Read moreHow 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.
Read moreHow 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.
Read moreHow to screen a name against sanctions lists
Check a person or organisation against international sanctions lists and against your own local list.
Read moreHow an AML case is scored
Read a case's score, matched pattern and evidence so you can tell how strong the flag really is.
Read moreHow to work an AML case
Pick up a case from the queue, record what you found, and move it to the right status.
Read moreThe AML Risk Monitoring dashboard
The dashboard is the screen to open first each morning: it answers "is anything urgent today?" in one look.
Read moreThe eleven AML monitoring rules
The eleven monitoring rules in Wakandi AML Risk Monitoring, and the behaviour each one looks for.
Read moreRecords, 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.
Read moreYour 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.
Read moreRed 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.
Read morePolitically 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.
Read moreCustomer due diligence and the risk-based approach
Decide how much checking a member needs, using the three levels of due diligence your policy sets.
Read moreKnow 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.
Read moreWhy 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.
Read moreWhat 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.
Read moreHow to export AML analytics
Pull a rule performance summary or a transaction export for a date range you choose.
Read moreHow to add AML users and choose their role
Add someone to Wakandi AML Risk Monitoring and give them the right role.
Read moreCustomer 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.
Read moreHow to set your AML configurations
Set the thresholds, deadlines and windows that the built-in monitoring rules read.
Read moreHow to tune an AML monitoring rule
Change how sensitive a monitoring rule is, and choose who gets told when it fires.
Read moreKeeping 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.
Read moreWrite 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.
Read moreThe 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…
Read moreInternal 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…
Read moreGovernance: 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…
Read moreWho 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…
Read moreAudit: 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.…
Read morePricing 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…
Read moreDeveloping 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…
Read moreProtecting 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…
Read moreWriting 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…
Read moreAppraising 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…
Read moreManaging 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…
Read moreLiquidity 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…
Read moreFinancial 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…
Read moreBudgeting 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…
Read moreStaffing 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…
Read moreShares 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…
Read moreMembership: 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…
Read moreCash 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…
Read moreStatements that generate, summaries that add up, 20 August 2026
Released: 20 August 2026 Summary A reports-and-corrections release. Income statements get two fixes, an incorrect loan summary is corrected, inter-branch transactions work again in…
Read moreFields you can edit, members you can unblock, 18 August 2026
Released: 18 August 2026 Summary Highlighted fields on a quick loan product can now be edited directly, the option to unblock a member is back in V2, and loan officers, tellers and…
Read moreDisbursements clear, repayment prompts arrive, 12 August 2026
Released: 12 August 2026 Summary A same-week fix clearing three loan and payment errors. A loan disbursement was failing at one institution in Kenya, a rejected quick loan had alre…
Read moreYour CAMS addresses have moved, 16 August 2026
Released: 16 August 2026 Summary Every CAMS system now lives on its own dedicated address instead of a path on a shared one. The old links redirect automatically, your login and yo…
Read moreFaster fixes from support, and fees in the right ledger, 4 August 2026
Released: 4 August 2026 Summary This release is about getting answers faster and keeping your books tidy. Our support team now has tools to make common repairs while you are still…
Read moreMember numbers write themselves, deposits reach the till, 13 August 2026
Released: 13 August 2026 Summary Member numbers now generate themselves in V2, removing a manual step from every registration. Inviting a new user to the admin panel and waiving of…
Read moreWithdraw from your phone, documents your way, 11 August 2026
Released: 11 August 2026 Summary Accounting posting now runs separately from transaction processing, so a slow or stuck posting no longer blocks a transaction at the till. Withdraw…
Read moreSessions that hold and verification that works, 6 August 2026
Released: 6 August 2026 Summary The change people feel first is the one that keeps them signed in: sessions were dropping mid-task, and the fix landed across the API and both porta…
Read moreLoans that complete and logins that hold, 30 July 2026
Released: 30 July 2026 Summary This release is about loan processing and account security. Loan approvals, closures and rescheduling complete and save, and a loan counts as approve…
Read moreDeposits that reach the right member, 31 July 2026
Released: 31 July 2026 Summary This release covers two payment paths: the online deposit that posts to a member's account, and the status reported for a disbursement. Both changes…
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