Pamoja HOH

Pamoja HOH – SACCO Management Platform

Pamoja HOH empowers cooperative and SACCO members to take full control of their financial lives — anytime, anywhere, right from their phone.

Whether you're saving towards a goal, tracking your contributions, or applying for a loan, Pamoja HOH gives you a clear, real-time view of your cooperative finances without needing to visit a branch.

What You Can Do

Savings & Contributions
View your savings balance, contribution history, and upcoming payment schedules. Stay on top of your financial obligations with ease.

Invoices & Payments
Pay contributions and invoices securely using M-Pesa, Stripe, Razorpay, or Paystack — whichever works best for you.

Account Statements
Download and view detailed account statements for your records at any time.

Instant Notifications
Receive real-time push notifications for payment confirmations, loan approvals, and important account updates.

Member Profile
Manage your personal details, upload KYC documents, and keep your member profile up to date.

Secure & Reliable
Your data is protected with end-to-end encryption and secure authentication, including Google Sign-In support.
Built for SACCO Members
Pamoja HOH is designed specifically for savings and credit cooperative members in Kenya and across Africa. It bridges the gap between traditional cooperative management and modern mobile technology — making financial inclusion accessible to everyone.

Download Pamoja HOH today and take charge of your cooperative finances.