One platform for every kind of member-owned finance in Kenya.
pawa Loans runs the full financial operation for SACCOs, chamas and table-banking groups, and microfinance institutions - loans, savings, shares, chama governance (contributions, MGR rotations, welfare funds), M-Pesa collection, and SASRA-ready accounting, all from one system.
One product, every feature included
No feature fragmentation between plans. Every business gets the full system - loans, savings, chama tools, teller/till, accounting, reports - pricing scales with your membership, not with what you're allowed to use.
M-Pesa native
Loan repayments, savings deposits, chama contributions and welfare levies all collect via a real STK Push, reconciled automatically the moment M-Pesa confirms - no manual statement matching.
Chama governance, not an afterthought
Contribution cycles, merry-go-round (MGR) rotations, welfare funds, and group investment projects are a real, first-class feature set - not a savings account with a group label bolted on.
Data isolated per business
Every business's members, loans, savings and financial records are fully separated from every other business on the platform - branch-level roles and permissions on top of that.
Who we serve
SACCOs
Full lending, savings, shares & dividends, treasury, and SASRA-ready accounting for registered savings and credit cooperatives.
Chamas & Table-Banking Groups
Contribution cycles, merry-go-round rotations, welfare funds, group loans, and investment projects for informal savings groups.
Microfinance Institutions
Lending, collections, credit scoring, and recovery workflow for a lean, non-member-owned lending operation.