Co-operative management software · Zimbabwe

The operating system for savings and credit co-operatives.

Kurai OS gives a SACCO its members' register, contributions, lending, double-entry accounting, governance and statutory records in one system, built to the Co-operative Societies Act [Chapter 24:05], with the segregation of duties and the audit trail a supervisory committee and an external auditor expect.

Request a walkthrough View the demonstration portal

Three months without charge, then month to month. Your records remain yours and can be exported at any time.

Journal · postedJ00412 · 07 Oct 2026

Cash received from the member recorded by the Treasurer	Dr 1140 · 209.27
Member savings countersigned by a Committee Member	Cr 2110 · 125.00
Loan repayment, principal	Cr 1210 · 80.00
Interest to the day the member paid	Cr 4110 · 4.27
Debits equal creditsbalances	209.27 = 209.27

For SACCOs

The full suite

For registered societies and societies preparing to register: the complete system, on the society's own database, with every control the Act requires. Priced per member; large SACCOs by agreement.

See what it covers

For savings groups

Kurai OS Seed Early access

For a group that meets, saves and lends together. One sheet for the whole meeting, kept safe. Free, for as long as you use it.

See how Seed works

For SACCOs · the full suite

One system of record for the whole society

Every transaction is a controlled function on the society's own database. It verifies the officer, the seat and the authority before it writes, and it writes the audit log in the same transaction. Nothing is recorded by one person alone.

Membership and governance structure

Register of members, categories, admission with identity verification, office bearers and committees as elected by the general meeting, one seat per member.

Contributions and receipts

Periodic declarations, mobile money or cash, each receipt recorded by the Treasurer and countersigned by an authorised officer before it is posted.

Credit administration

Applications, guarantors, loans committee recommendation, management committee decision, tiered pricing, interest accrued to the date of payment, arrears and penalties by rule.

Accounting

Double entry on a chart of accounts the Board can read, control accounts reconciled to their registers, a trial balance that must agree before a period closes, and an audit pack for the supervisory committee and the external auditor.

Year-end and surplus

Surplus allocation by share-months, dividends and bonuses within the by-laws' limits, statutory reserve and Central Fund contributions, or a savings-group shareout.

Governance and compliance

The Founding Book holds the society's rules and changes only by resolution. Minutes, resolutions, acclamation votes, elections, and the records the Registrar requires.

Member self-service

Each member sees their savings, capital, loans and the society's position on their phone. The application installs and works offline.

Add-on products

Member investment certificates, capital fund instruments, a social fund with scheduled benefits, and an assistant that answers from the society's own rules. Each switched on by resolution.

Built to the Act

The Co-operative Societies Act [Chapter 24:05] is the default configuration

A new society starts with the bodies and the controls the Act prescribes, in the Act's terms. It adds its own names and by-laws afterwards; the controls themselves cannot be switched off.

s54

Management committee

Elected by the general meeting. Every seat votes; a majority of the seats carries, computed from the register of seats rather than entered by hand.

ss65–66

Supervisory committee

On no other body and answerable to the members, with its own view of the books and the audit trail. It approves any loan to a member of the management committee.

s82

Loans to office bearers

A loan to a supervisory committee member is put to the members by acclamation: every member is notified, any member may object, and the objection is recorded with the member's name.

s63

Treasurer and bookkeeper

They originate and record; they do not approve. The second signature rests with the chairperson, vice chairperson, deputy secretary or a committee member. The secretary keeps the records and holds no authority over money.

For savings groups · Kurai OS Seed

Your group. Your meeting. Your book, kept safe.

Seed is for a group that meets to save and lend together. You do not need to be registered, and you do not need a computer. The record keeper fills in one sheet on a phone at each meeting, and the book is done.

Meeting dayWho came, who saved, who borrowed, who paid back. One sheet. It works without network and sends itself when the phone finds signal.
Every member sees their moneySavings, loans and what the group has, on their own phone, any time.
Share-outAt the end of the cycle the money is shared the way your group agreed, worked out for you, with nothing lost.
FreeSeed costs nothing, now and later. If your group ever wants to become a SACCO, everything you recorded comes with you.

Start a Seed group Install on your phoneEarly access · built with the first groups

The way up

From a savings group to a registered SACCO, without losing a record

Most savings groups never register because they cannot produce the books the Registrar requires. Kurai OS keeps those books from the first meeting, so registration becomes a step rather than a rebuild.

1 · Seed

Meet, save, lend, share out

A meeting sheet, members and their money, the share-out. Free for life.

2 · Core

Members online, committees, a Founding Book

Statements a bank can rely on. A road-to-registration page completed from the group's own records, and a registration pack generated from them.

3 · Growth

A registered SACCO, to 100 members

The Registrar's returns, the audit pack, the supervisory committee's tools, WhatsApp and SMS notices; investment certificates and a social fund as add-ons.

Editions and pricing

Priced per member, by what the society does

Three months without charge, then month to month. A society that pays annually pays for ten months. The first ten societies to join keep these prices for twenty-four months.

Seed Early access

Freefor life

A savings group that saves, lends and shares out at its meetings. Up to 40 members, on a shared database.

Meeting day sheet
Members and their money
Share-out
Move to Core with every record intact

Core

US$1.00per member per month · US$20 minimum

Run the society: a society preparing to register, or a small registered society.

Members, contributions, lending
Double-entry accounting and statements
Founding Book, minutes, resolutions, votes
The society's own database
Onboarding US$150, once

Growth

US$1.50per member per month to 50 members · US$1.00 from the 51st · US$40 minimum

Run a registered SACCO, up to 100 members: everything in Core plus what the Act and the Registrar require of a registered body.

Audit pack and the supervisory committee's tools
Elections and annual returns
WhatsApp and SMS notices (messages at cost)
Onboarding US$300, once, with the registration pack

Bespoke

By agreementsocieties above 100 members, and programmes

Large SACCOs, including those collecting through payroll deduction, and programmes that run many groups.

Payroll deduction and employer schedules
Custom modules and reporting
Service agreement with support terms
Many groups, one view

Add-ons for Core and Growth

Member investment certificates · Capital fund instruments · Social fund with scheduled benefits: US$10 each per month. Assistant on the society's own rules: US$15 per month plus usage. Each switched on by resolution of the management committee.

What a society pays

25 members on Core: US$25 a month. 25 members on Growth: US$40 a month (the minimum). 80 members on Growth: US$105 a month. Above 100 members, a negotiated agreement.

A society that does not continue after its trial reverts to Seed; its records remain its own and its share-out still works. Society funds never pass through nexar: each society is its own merchant.

Assurance

Controls a treasurer, a supervisory committee and an auditor can rely on

Dual authorisation on every movement of money

The database refuses a payment, a disbursement, an expense or a correction with one signature, or countersigned by the person who originated it.

An immutable posted ledger

Posted lines are never amended or deleted; errors are corrected by a further entry. Every function writes the audit log in the same transaction.

Data segregation by society

Each Core or Growth society runs on its own database. No society's data is held with another's, and no member data is carried in the software.

Least privilege by default

Every function reachable from a browser is on an explicit list; a release that exposes an unlisted one fails before it reaches any society.

Verified before release

Every release carries its own proof, applied to an empty reference copy first; 2,274 automated checks run on every build.

Portability

The register, the ledger and the documents can be exported on any day. No fixed term. Three months without charge before any payment.

society in production

SIMBA SACCO Cooperative Society Limited, Zimbabwe: 27 members, lending since January 2026, preparing its application for registration. Its member data is never shown.

236

numbered releases

Each a proven change, applied to the reference copy before any society.

member records in the code

A gate in the build refuses a member number, a national I.D. or a phone number in any shared file.

An independent security review is scheduled for 2027. Terms of use and a data processing agreement from nexar accompany every agreement.

Success story · SIMBA SACCO

SIMBA SACCO runs on KuraiOS, and was built with it.

SIMBA SACCO Cooperative Society Limited is the first society on KuraiOS. Sixteen members began saving and lending together in January 2026. Today there are 27, and the society is preparing its application for registration under the Co-operative Societies Act.

One registerThe application pack, the leadership schedule and the shareholding list come from the society's single register in minutes. Done by hand, they took weeks and disagreed with each other.
Built to the ActThe committees, the loan controls and the vocabulary follow the Co-operative Societies Act, so the paperwork matches how the society really works.
Real lending, every monthMembers' savings, loans and repayments have been kept on KuraiOS since the society began lending.

How the registration route works Talk to us

Shown with the society's agreement. No member's data is shown here. As at 28 October 2026 the society has not yet been registered.

The company

Kurai OS is a product of nexar

nexar, Nyamandi Ecosystems Africa Resources, is a registered Zimbabwean company. It develops and hosts Kurai OS, contracts with each society under its terms of use and data processing agreement, and provides implementation and support. Kurai is Shona for "grow".

nexar never holds a society's funds. Each society is its own merchant, on its own database, with its own records. nexar's role is the software, the hosting and the support.

Contact

Three ways to begin

View the demonstration portal

Invented members and invented money. Switch between a member, the Treasurer, the Secretary and the Chairperson and see what each sees.

Open the demonstration

Start a Seed group Early access

Free for life. Seed is being completed with its first groups; join them and help shape the meeting sheet.

Open Kurai OS Seed

Request a walkthrough

Forty minutes by call or WhatsApp with your treasurer and secretary present, on your own society's questions.

WhatsApp +48 573 827 543

hello@kuraios.com

Send one message with the society's name and the number of members. We reply within two working days.