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DukaMoja Platform Capabilities

A unified operational layer for borrowers, vendors, assets, disbursements, collections, agents, and engagement.

Borrower Onboarding

Streamlined borrower onboarding through SACCO partner networks.

Vendor Ecosystem Management

Management of asset suppliers, distribution partners, and service providers across the lending ecosystem.

Asset Lifecycle Tracking

Complete asset lifecycle tracking from vendor to SACCO to borrower.

Loan Disbursement & Collections

  • Structured loan disbursement workflows, including asset-financing disbursements.
  • Mobile-money collections with automated reconciliation through M-Pesa integrations.
  • Real-time disbursement tracking and confirmation across all channels.

Field Agent Operations

  • Real-time portfolio visibility and task management dashboards.
  • Agent performance tracking and productivity reporting for supervisors.
  • A mobile-first interface for effective work in remote areas.

Borrower Engagement

  • Automated SMS notifications and repayment reminders.
  • Two-way communication between agents and borrowers.
  • Personalized engagement workflows triggered by loan milestones and repayment status.

The CBS + DukaMoja Integrated Ecosystem

CBS and DukaMoja operate as a unified platform. CBS provides the financial control layer—accounting, compliance, and portfolio analytics. DukaMoja provides the execution layer—borrower onboarding, disbursement, collections, and field management. Together, they eliminate the disconnect between back-office financial systems and ground-level lending operations.

Financial Control + Field Execution

CBS handles loan approval and accounting; DukaMoja handles loan disbursement and asset tracking.

DukaMoja user management screen

Member Records + Borrower Onboarding

CBS manages member KYC and records; DukaMoja onboards borrowers through SACCO networks.

DukaMoja provider management screen

Accounting + Digital Collections

CBS produces financial statements and maintains the General Ledger; DukaMoja manages mobile-money collections.

DukaMoja savings products screen

Oversight + Agent Operations

CBS provides multi-branch oversight; DukaMoja equips field agents with operational dashboards.

DukaMoja messaging center screen

Compliance + Engagement

CBS maintains compliance and audit trails; DukaMoja delivers SMS borrower engagement.

DukaMoja provider details screen

Analytics + Real-Time Visibility

CBS supplies portfolio analytics; DukaMoja provides real-time operational visibility.

DukaMoja vehicle insurance approval card

One Connected Lending Operation

CBS (Back Office)DukaMoja (Field Operations)
Loan approval & accountingLoan disbursement & asset tracking
Member KYC & recordsBorrower onboarding via SACCOs
Financial statements & GLMobile money collections
Multi-branch oversightField agent dashboards
Compliance & audit trailsSMS borrower engagement
Portfolio analyticsReal-time operational visibility
DukaMoja connected lending operation dashboard

Ready to connect your
SACCO operations end to end?

Bring users, providers, loans, savings, messaging, approvals, and field operations into one clean DukaMoja workspace.

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