Loans, savings, accounting, and group finance — unified in one modern system for SACCOs, Savings Groups, and Communities.
Built for every type of financial institution
Everything you need
From member onboarding to double-entry accounting — every workflow your institution needs is built in and connected.
Full lifecycle — from application intake and multi-level approval, to disbursement and repayment tracking.
Individual and group savings accounts with real-time balance tracking, deposits, and withdrawals.
A complete Chart of Accounts with automated journal entries and real-time financial statements.
Onboard, manage, and track all member profiles across branches with their full financial history.
Run unlimited branches under one institution — or host multiple institutions on one deployment, fully isolated.
Granular staff permissions with a complete, human-readable audit trail of every action in the system.
Loan Management
Biika handles the complete loan lifecycle so your staff can focus on members, not paperwork. Configure products, automate schedules, and track every shilling.
Accounting & Reports
Biika's accounting engine was designed for regulated financial institutions. Every transaction auto-generates the right journal entries. No separate accounting software needed.
Whether you run a SACCO, a savings group, or a lending business — Biika keeps everything organised so you focus on your members, not your paperwork.
How it works
No lengthy implementations. No expensive consultants. Your team can be operational within days.
Register, add branches, and configure your Chart of Accounts — choose from pre-built templates for SACCOs, savings groups, or money lenders.
Add staff, assign roles, and set permissions so each person sees only what they need — from tellers to branch managers to accountants.
Onboard members, process loan applications, accept deposits — and watch your financial reports update in real time as every transaction flows through.
Full capabilities
Testimonials
"Biika replaced four separate tools we were using. Our accountant now generates the monthly Income Statement in two clicks. The audit trail alone has saved us hours every week."
"We have three branches and 2,000+ members. Managing everything from one platform has been transformative. Branch isolation means each manager sees only their own data."
"Our loan disbursement workflow went from three days to the same afternoon. The accounting entries post automatically — our external auditor was genuinely impressed."