How DPAK SACCO Improved Efficiency and Member Service Through Digital Transformation.

DPAK SACCO needed a reliable and scalable system to support its growing operations and improve service delivery for domestic workers and informal sector earners. This case study highlights how CoopMIS and M-Sacco helped the SACCO strengthen operations, improve transparency and build confidence in digital financial services.

About DPAK SACCO

DPAK SACCO is a growing savings and credit cooperative focused on empowering domestic workers and informal sector earners through structured savings, affordable credit and financial literacy.

The SACCO was created to address the financial challenges faced by domestic workers, many of whom have historically been excluded from formal financial systems due to irregular income, lack of collateral and limited credit history.

DPAK SACCO serves domestic workers, including nannies, gardeners and caregivers, alongside individuals within similar income segments.

The SACCO currently serves about 300 members and manages an asset base of approximately KES 6 million.

Challenges

DPAK SACCO needed a more efficient and reliable way to manage member records, loans and savings.

Manual and semi-digital processes were slowing down operations and increasing the risk of errors. The SACCO also lacked real-time visibility into member accounts, making service delivery more difficult.

Reporting for management decision-making and compliance was also cumbersome. Tracking member progress, loan repayments and outstanding balances required additional offline record management due to system limitations.

Objectives

When DPAK SACCO partnered with us, their goals included:

• Automating SACCO operations, including member management, savings and loans.
• Improving accuracy and reducing human error.
• Providing real-time access to member information.
• Enhancing reporting for management and compliance purposes.
• Improving member experience through faster and more transparent service delivery.
• Introducing customized features such as cell management and branded mobile banking services.
• Building a scalable system capable of supporting future growth.

The Solution Provided

We implemented CoopMIS as the SACCO’s core banking system together with M-Sacco mobile banking solutions, including the mobile app and USSD platform.

The solution helped automate core SACCO operations, improve reporting and provide members with digital access to services.

The implementation also included customized branding elements aligned to the SACCO’s logo and colours, supporting a more personalized member experience.

Results

Since implementing the solutions, DPAK SACCO has experienced improved structure, efficiency and transparency across its operations.

The SACCO is now better able to manage member records, savings, loans and reporting processes, improving professionalism and service delivery to members.

The leadership team also highlighted the value of having a knowledgeable and responsive technology partner throughout implementation and support.

Comments From DPAK SACCO’s CEO

Impact on the SACCO and Members
CoopMIS has improved operational structure, efficiency and transparency within the SACCO. It has strengthened the management of member records, savings, loans and reporting, enabling better and more professional service delivery.

Recommendation to Other SACCOs
We would highly recommend CoopMIS to SACCOs looking for a reliable and supportive technology partner. Beyond the system itself, the Coretec team has been very responsive, approachable, and willing to walk with us through every stage of implementation and support.

Personal Impact
Working with a knowledgeable and experienced team has helped me learn a lot personally and professionally.

The Coretec team clearly understands SACCO operations and systems, which gave me confidence from the beginning that they were not “trying out” solutions on our SACCO, but were bringing proven expertise and guidance.

Their willingness to explain processes, respond promptly, and walk with us through challenges has strengthened my confidence in managing the SACCO and in adopting digital systems. It feels like working with a true partner who understands the SACCO industry and is invested in our growth and success.

Elizabeth Gitau- CEO, DPAK SACCO