Certificate in SACCO Management
INVESTMENT
DURATION
START DATES
DELIVERY MODE
ASSESSMENT
COURSE OVERVIEW
width=”265″>The Certificate in SACCO Management is a practical, intensive two-month program designed to equip current and aspiring SACCO leaders with the foundational knowledge and essential managerial skills needed to effectively govern, operate, and grow a Savings and Credit Cooperative Organization. This course blends core cooperative principles with modern financial, governance, and digital practices to address the unique operational challenges facing SACCOs today.
This program prepares participants to lead SACCOs toward financial sustainability, regulatory compliance, and member-driven growth in a dynamic economic landscape.
COURSE OBJECTIVE
TARGET AUDIENCE
- SACCO managers and officers
- Board and supervisory committee members
- Financial cooperative regulators
- Individuals aspiring to enter SACCO leadership
WHAT YOU WILL STUDY
Learning topics:
Module one: Introduction to SACCOs and Cooperative Principles
- History and philosophy of cooperatives
- SACCO structures and types (work-based, community-based)
- Regulatory frameworks (national and international)
- Role of SACCOs in financial inclusion
Module two: Governance and Leadership in SACCOs
- Roles and responsibilities: Board, Committees, Management
- Member democracy and annual general meetings (AGMs)
- Ethics and integrity in SACCO leadership
- Succession planning and leadership development
Module three: SACCO Financial Management I – Accounting and Reporting
- SACCO accounting basics
- Chart of accounts and financial reporting standards
- Key SACCO financial statements: Balance Sheet, Income Statement
- Internal controls and audit trails
Module four: SACCO Financial Management II – Analysis and Performance
- Financial ratio analysis (liquidity, capital adequacy, profitability)
- PEARLS performance monitoring system
- Budgeting and forecasting
- Managing delinquencies and loan loss provisioning
Module five: Credit Management and Lending Operations
- Credit policy and procedures
- Loan products and pricing
- Credit appraisal and risk assessment
- Loan recovery and delinquency management
Module six: Savings Mobilization and Member Services
- Designing savings products
- Member segmentation and retention strategies
- Financial literacy and member engagement
- Digital savings platforms and innovation
Module Seven: Risk Management and Regulatory Compliance
- Risk types: operational, credit, market, reputational
- Risk management framework for SACCOs
- Compliance with SACCO laws, regulations, and prudential guidelines
- Role of the supervisory and audit committees
Module eight: Strategic Management and Digital Transformation
- Strategic planning and implementation
- Digital tools and core banking systems
- SACCO branding, marketing, and competition
- Sustainability, partnerships, and the future of SACCOs
LEARNING OUTCOMES
At the end of this course, participants will be able to:
- Explain the core principles and structure of SACCOs within the cooperative financial sector and their role in promoting financial inclusion.
- Demonstrate sound governance and leadership practices by understanding the roles and responsibilities of the board, committees, and management in a SACCO.
- Apply financial management principles including accounting, budgeting, and financial reporting specific to SACCO operations.
- Analyze SACCO performance using financial ratios, PEARLS indicators, and other key performance metrics.
- Design and manage effective credit operations, including loan product development, credit risk assessment, and delinquency management.
- Develop savings mobilization strategies and implement member engagement and financial literacy initiatives.
- Identify and mitigate operational, financial, and reputational risks, ensuring compliance with SACCO regulatory and supervisory requirements.
- Formulate strategic plans for SACCO growth, sustainability, and digital transformation.
- Utilize digital tools and technologies to enhance SACCO service delivery and operational efficiency.
- Deliver a practical SACCO improvement project, applying course knowledge to real-world management scenarios.