Co-operative Management Information System (CMIS), is a secured,structured and highly intergrated accounting application for the Co-operative Movement developed to address various activities in the co-operative movement. This application enables co-operative organizations to rapidly and efficiently engage, manage and leverage every aspect of their activities for tangible bottom line results.

We at codic also customize our solutions to meet our customers’ needs and expectations. This greatly increases productivity and reduces costs. Our team creates robust applications following a methodology based on internationally recognized Capability Maturity Model (CMM). This ensures the delivered project meets the required standards.

Our Sacco software is the Best in kenya compared to a regular Excel spreadsheet and other systems in the market today , our software is designed to monitor the dynamics of a SACCO. For credit and savings products in CMIS , one can enter unlimited products. Our Sacco management software is integrated which helps sacco’s to automate all its core functions

CMIS is an integrated Sacco Management System with a number of modules which enable a saccos to manage its operations from loans applications to disbursement, Savings accounts functionality ,Financial accounting and Reporting, shares/Deposits. Customized business rules are implemented on the system and client application provides a secure and easy-to-use graphical user interface for maintenance and manipulation of database records.

CMIS comes with an integrated and easy to use Accounting module that manages your financial accounting needs.With the advancing technology,CMIS is developed to easily integrate with almost any other system.


Is CMIS good for you?

CMIS is guaranteed to be the best solution for the co-operative movement due to, Minimalistic, extremely easy-to-use interface.
* Seamless integration of modules.
* Customizable, simple to understand,
* User friendly.
* Flexible and Scalable.
* Portable.
* Web Enabled
* Various integrated modules customized according to our customers’ needs. 



CMIS is the best solution for the co-operative movement due to its key differences from traditional appliccations. CMIS offers a unique combination of features which include:-
1. Cheque clearance
2 .website e-statement
3. Asset management
4. Systems/personnel ledger
5. General ledger
6. Wide area networks (WANs)
7. Mobile banking-(QFS)



Some of the Applications of CMIS  inlude
i. Front Office Operations
ii. Back Office Operations
iii. Daily Marketing
iv. Payroll
v. SMS Banking.
vi. Housing .
vii. Coffee Marketing systems .
viii. Investment Management
ix. Point of Sales(pos).



Codic have been developing systems for the co-operative movement for the past 30 years so we really understand our customers’ needs and that is what keeps us “a step ahead.”



CMIS application has been implemented in over 120 Sacco societies in Kenya where all of them are doing so well with the system.



Our team always works towards keeping our appliccations updated according to our customers growth and to keep up with technology


This is a web portal where members can interact with the society through various activities such as online member registration, opening of an accounts; members can also log in to view and retrieve statements online and check personal information Implementing a web portal will enable the society to grow in membership since new members can join the society through online registration without having to travel to the society offices. This will also enable a society to have a strong financial base as it will get money from entrance fee from members and at the same time there will be an increase in share capital, savings and deposits. Our web portal offers the following but not limited to:-
✔ Online registration for new members.
✔ Account opening online for front office services.
✔ Next of kin details, guarantors, guarantee.
✔ Online statement viewing and printing by members.
✔ Loan calculator.
✔ Loan application.

benefits to the society

✔ The society will save on cost of printing statements of members by saving on printing papers.
✔ The society will not require physical registration forms for the members to fill since registration will be done online by members and this will save on registration forms and account opening forms.
✔ Society’s staff will have enough time to concentrate on office duties and other important assignments for the society.
✔ The society will also grow in members and more accounts will be opened since this will be convenience for members.

Benefits to the member

✔ Members will save time since they will not require coming to the society to register or open accounts since all this will be done online.
✔ It will save cost and time for the members since they will be able to engage in other income generating activities.
✔ Members will be able to access information from the society anytime, anywhere, whenever they want.
✔ It will be convenient for members who are far from the society. 

The system facilitates the delivery of financial services outside the society’s conventional Front Office (FO) branches, often using retail agents and relying on technology, such as card readers, point-of–sale (POS) terminal or mobile phones for real time transaction processing.
An agent is a retail or outlet contracted by the society to provide a range of financial services to customers. The system is aimed at enhancing financial inclusion, as agents are expected to act as delivery channels and to offer services. 

i) Collection and processing of forms/documents in relation to account opening, loan application, credit and debit card application by the members.
ii) Cash Deposit and Withdrawals.
iii) Fund Transfer.
iv) Bill Payments; Electricity, Water, Rents etc.
v) Payment of salaries.
vi) Cash disbursements and loan repayments, subscriptions etc.
vii) Cheque book request.
viii) Balance inquiry.
ix) Generation and Issuance of Account mini statements. 

agent banking

Benefits of Agency Banking
To Agents -retail outlets
i) Increased income through commission
ii) Increased customer traffic hence more business to the retail outlet

To the Member / customer
i) Ease of access
ii) Flexible hours
iii) Cost-Effective

To the Society
i) Cutting Costs
ii) Increased Products penetration
iii) Wide customer base 



With the explosion of the digital age, the need for the company to have an on-line presence has never been this important. At CODIC Ltd we have an experienced team of web designers and developers . We create beautiful,responsive, retina and mobile friendly websites which are interactive and at a very afford able rate. we also provide a hosting platform for your website with our high tech web servers.



                                                          mobile friendly




Automated Teller Machines (ATMs)


ATMs allows co-operative societies and other financial institutions to offer a full range of retail financial services to their customers based on secure card system.
CODIC has facilitated this important functionality in the Co-operative movement by developing bridges that connect to:
       ✔Transmaster - SACCO link ATMs
       ✔Oasis - Pesa Point ATMs
        ✔ATMs for Co-operative societies who have decided to buy their own ATMs.
Societies can run these bridges separately or in combination of all.
Because of the flexible architecture and Standardization, the system readily integrates with numerous Switching Technologies that use the ISO 8583 Standard.     
The following will be some of the benefits that your members will enjoy:-         
       ✔24/7 convenient banking services throughout the country
       ✔Purchase of goods and services at Visa merchants e.g. Uchumi, Nakumatt, Tuskys, Petrol stations etc
       ✔Payment of utility bills such as Electricity, Water etc

Our team always works towards keeping our appliccations updated according to our customers growth and to keep up with technology

We can’t wait to help you grow your business.

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Finance House,
5th floor.
Loita Street,
P.O. box 7159-00200 Nairobi. 
Phone: 0701211794/0737 814851