MICROFES - Lend, Track, Grow

MICROFES is a comprehensive, cloud-based microfinance and SACCO management platform built to help financial institutions run their operations with greater speed, accuracy, and confidence. Developed by ECKON Solutions, MICROFES is purpose-built for microfinance companies, SACCOs, and other credit-providing organizations that need a reliable, all-in-one system to manage their day-to-day financial workflows.
At its core, MICROFES handles the full loan lifecycle — from client onboarding and credit limit management to loan disbursement, repayment tracking, and overdue follow-ups. The platform keeps detailed client records, making it easy for staff to access borrower histories, outstanding balances, and credit profiles in one place.
MICROFES integrates directly with M-PESA Paybill, automatically reconciling mobile payments against their respective loans — eliminating manual data entry and reducing errors. Alongside this, automated SMS reminders notify clients of upcoming due dates, missed payments, and important account updates, keeping communication timely and reducing default rates.
Financial oversight is built into every layer of the system. Teams can track and categorize organizational expenses in real time, generate income and expenditure reports, and prepare audit-ready financial statements — all without leaving the platform. The reporting tools give management a live view of the institution's financial health, enabling data-driven decisions.
MICROFES also includes an HR and payroll management module, allowing institutions to manage employee records, track attendance, and run automated payroll processing from within the same system — simplifying what is often a fragmented back-office process.
Because MICROFES is fully web-based, it can be accessed from anywhere, on any device, at any time — making it ideal for institutions with multiple branches or field-based staff. The platform is designed to scale with your organization, whether you're a small lending group just getting started or an established microfinance institution managing thousands of active loans.
With dedicated customer support, onboarding training, and a user-friendly interface, MICROFES lowers the barrier to digital financial management — helping institutions serve more clients, reduce operational costs, and grow with confidence.