Resources · free

Start properly, on paper or on a phone.

Everything here is free. Use it whether or not you ever use KuraiOS. A group that keeps good records from the first meeting finds everything else easier, including registration.

Starter workbook for savings groups

A simple Excel workbook for a group still keeping manual records: members, contributions, loans, interest worked out for you, and a cash check that tells you if the book balances. Fill in the yellow cells.

How registering a SACCO works

The steps, the papers, and the mistakes to avoid, written from the experience of a society we work with that is close to registration.

The Co-operative Societies Act

The law every society works under. We link to the official text on ZimLII, so you always read the current version.

Seed on your phone

Install the free app and keep the group's book on a phone.

By-laws and regulations: your by-laws are your contract with the Registrar, and the Registrar approves them. We are preparing a model set for societies to adapt and will publish it here once it has been read by a lawyer and the provincial co-operatives office. Ask us if you need it sooner.