The ledger your SACCO can grow into, not out of.
Ledra runs member savings, loans, front-office banking and the general ledger on one system — with the statutory reports already built.
One system, from the member register to the trial balance.
Member & share management
Registration, KYC, share capital, dividends and member statements — with a full history behind every record.
Loan lifecycle
Appraisal, guarantors, approval workflow, disbursement, repayment schedules, arrears classification and provisioning.
Front office (FOSA)
Teller operations, withdrawals, cheques, standing orders and daily cash position across every branch.
Mobile money
M-Pesa collections and disbursements posted straight to the member account, reconciled automatically.
General ledger
Double-entry accounting underneath every transaction. Trial balance, P&L and balance sheet on demand.
Statutory reporting
Regulator returns generated from live data, not rebuilt in a spreadsheet the week they are due.
Start where you are. Move up when the licence does.
Back-office savings and credit, run properly, without the weight of a full banking system.
- Member register & shares
- Savings & deposits
- Loan lifecycle
- M-Pesa collections
- Core reports
Everything in Lite, plus the front office — tellers, cash and daily banking operations.
- All of Lite
- Teller & cash management
- Cheques & standing orders
- Multi-branch
- Disbursements to mobile
Full core banking. General ledger, treasury, agency banking and an API for everything else.
- All of Pro
- General ledger & treasury
- Agency banking
- Regulatory returns
- REST API & webhooks