Unity Sacco | Savings and Credit Cooperative Management System With Laravel and Flutter

UnitySACCO is a full Savings & Credit Cooperative (SACCO) / microfinance solution: a native Flutter mobile app for members (Android & iOS) plus a powerful Laravel admin console and member web portal. Members save, borrow, transact and track everything from their phone, while staff manage the whole cooperative from the web.

Key Features

• Member Mobile App (Flutter) — dashboard, savings, loans, transaction history, profile, notifications and self-service PIN reset.
• Admin Console (Laravel) — members, savings deposits/withdrawals, loans (apply, approve, disburse, repay), loan products, branches, settings, reports.
• Member Web Portal — the same self-service features in the browser.
• Atomic, secure ledger — every deposit/withdrawal is a locked, consistent transaction.
• Security — login rate-limiting, expiring tokens, strong PIN policy, OTP PIN reset, role-based admin access.
• Optional payment gateways — Stripe, M-Pesa (Daraja), Airtel Money, PawaPay (configurable in Settings).
• Branding & localization — set your name, logo, colours and currency from the admin, no code needed.
• Clean, modern UI; fully responsive admin; self-hosted; well-documented.

What’s Included

• Full Flutter app source (Android & iOS).
• Full Laravel backend source (admin + member portal + REST API).
• Detailed HTML documentation (local & server install, configuration, rebranding).

Requirements

• Backend: PHP 8.3+, MySQL 8+/MariaDB 10.4+, Composer.
• App: Flutter SDK 3.x (Android Studio / Xcode to build).

Important — External Services & Costs

UnitySACCO is self-hosted. Some optional features connect to third-party services that are not included, require your own accounts, and charge their own fees: web hosting/domain/SSL, Stripe, M-Pesa, Airtel Money, PawaPay, and any SMS/SMTP provider for notifications. The core system works fully without them. No AI/LLM services are used or required, so there are no AI API costs.