SACCO member onboarding software, mapped to SASRA's member rules.
Individuals, groups and companies join a SACCO with different paperwork, and SASRA's guideline asks for different records from each. BAOS gives each kind of member its own form, collects the documents against a checklist, lists every person involved for screening, and puts the application in front of your staff to review, in English or with Swahili form text.
- 3member journeys: individual, group and corporate
- 8staff roles, with branch staff seeing their own branch's applications
- 2form languages: English and Swahili
- 39prebuilt form sections in nine areas
What BAOS does for a SACCO.
BAOS is the onboarding workflow beside your core SACCO system and your identity-verification provider. These are its parts a SACCO uses.
A form for each kind of member
Individuals on the personal form, chamas and other groups on the group form, companies and institutions on the business form. The applicant chooses which kind they are first, and gets the form your SACCO published for it.
Member KYC captured at source
Identity and ID document details, KRA PIN, employment and income, source of funds and wealth, addresses and next of kin, as your published form asks for them.
Officials and signatories of group members
For a group joining as a member: the officials who sign, the member register and the meeting resolution, with each official's ID and photo.
Online, or captured by staff
Members apply in the self-service portal, save and resume drafts, and track the application by a private link, or your staff capture the application for them.
Swahili on the form
Each field can carry Swahili text beside the English, so members can fill the form in either language. Your team adds the Swahili text in the form builder; the staff interface is in English.
Review by branch
Branch managers and reviewers see their own branch's applications. Reviewers claim an application, verify documents, approve or reject it, and record the account number once your core system opens the account.
The personal starter form most members will use.
Most members join as individuals. The Kenya personal template ships as a draft your team adapts and publishes, and runs in seven steps.
- 1About you
Personal and contact details, and residential and postal addresses.
- 2Account selection
Product, currency and branch.
- 3Work and income
Employment and income, and the source of funds and wealth.
- 4Next of kin
One to three people.
- 5Declarations
Politically exposed persons and FATCA.
- 6Cards and channels
Facilities and transaction alerts.
- 7Confirm and submit
Declarations, documents and a final review.
Its document pack
| Document | For | Required / Optional |
|---|---|---|
| National ID or passport (front) | Member | Required |
| National ID (back) | Member | Required |
| KRA PIN certificate | Member | Required |
| Passport-size photograph | Member | Required |
| Proof of residential address from the last three months | Member | Required |
| Payslip or three-month bank statement | Member | Optional |
SASRA's member rules, and where they land.
SACCOs regulated by SASRA follow its 2024 AML guideline, SASRA/GG/1/2024, not CBK's due-diligence guidance. Its member due-diligence rules, paraphrased:
| The rule | Recorded in BAOS | Outside BAOS |
|---|---|---|
| Member due diligence applies when a person seeks to join, transacts or exits, for occasional transactions, on suspicion, and when earlier information is in doubt.SASRA/GG/1/2024 §6.1(4) | Joining: each application is one onboarding record. | Due diligence on transactions and exits, in your core and AML systems. |
| Individuals: an original national ID card, passport or alien identity card.§6.1.1(1)(a) | ID type and number, with document slots for both sides of the ID. | Seeing the original: your staff, or your verification provider. |
| Bodies corporate: the certificate of incorporation and the most recent audited financial statements where applicable. For non-natural members, understand the ownership and control structure and identify the beneficial owners.§6.1.1(1)(b); §6.1.3 | The business form: entity documents, directors, shareholders and beneficial owners. | BRS records, including the beneficial-ownership register. |
| Unincorporated members: the certificate of registration, evidence of the registered address where applicable, and the identities of the officials or signatories.§6.1.1(1)(c) | The group form: officials with IDs, the member register and the meeting resolution. | Your group-member policy. |
| Verify identity using a reliable, independent source such as IPRS or the KRA tax database, set out in policy and applied on a risk basis.§6.1.1(2)-(3) | The details the check is run on. BAOS does not run the check. | Your identity-verification provider. |
| A person acting for a member must be authorised in writing, and is identified and verified as if they were the member.§6.1.2 | Signatories with their own ID records and documents. | ID checks for each representative. |
| Data on natural persons is handled under the Data Protection Act 2019.§6.1.11 | A required privacy-notice confirmation on the form, and the data in your own Azure subscription. | Your privacy notice, impact assessment and retention. |
Paraphrased from SASRA's Guidelines for Combating Money Laundering, Terrorism Financing and Countering Proliferation Financing (SASRA/GG/1/2024), as summarised in Creodata's Kenya fact sheet of 8 October 2026. Not legal advice.
- It does not check IDs against IPRS or PINs against KRA.
- It lists members for screening, but the screening runs in your screening tool.
- It does not open the member in your core system: staff do, and record the account number in BAOS.
- It runs in a web browser, with no mobile app or USSD channel.
Frequently asked questions.
Does CBK's 2025 due-diligence guidance apply to SACCOs?
No. It covers banks, mortgage finance companies, microfinance banks, payment service providers, money remittance providers, forex bureaus and non-deposit-taking credit providers. SACCOs regulated by SASRA follow its guideline, SASRA/GG/1/2024.
What does SASRA require to onboard a member?
In summary: an original ID, passport or alien ID for individuals; the certificate of incorporation and recent audited accounts for companies; the certificate of registration and the officials' or signatories' identities for groups; verification from a reliable, independent source such as IPRS or the KRA database; and the beneficial owners of members that are not individuals.
Can members fill the form in Swahili?
Yes, once your team adds Swahili text to the fields in the form builder. Each field carries English and Swahili; the starter templates ship in English.
Can we onboard members at branches and in the field?
Yes. Staff can capture an application for a member, and members can apply online and resume a saved draft. BAOS runs in a web browser; there is no mobile app or USSD channel.
Does BAOS replace our core SACCO system?
No. BAOS runs onboarding up to the decision. Staff then open the member's account in your core system and record the account number in BAOS.
See it with your own forms.
Bring your account types and your document checklists to a live demo, and see an application go from the applicant to your reviewers.