🌍 Empowering African financial institutions with modern, accessible technology

SenteLoans is an open-source digital platform designed specifically for African Savings and Credit Cooperatives (SACCOs), Microfinance Institutions (MFIs), and Money Lenders. Built with a mobile-first approach and optimized for low-bandwidth environments, SenteLoans helps financial institutions across Africa digitize their operations while preserving community-focused values.

• 🇺🇬 Built for Africa: Designed with African market realities in mind - low bandwidth, mobile-first, local payment methods
• 💰 Free & Open Source: MIT licensed - use, modify, and deploy without restrictions
• 🏢 Multi-Tenant: One installation supports multiple institutions with complete data isolation
• 📱 Mobile-First: Optimized for mobile devices and low-bandwidth environments
• 🔒 Secure by Default: Row-level security, audit logging, and compliance-ready
• 🌐 Multi-Language: English and Luganda, with easy extensibility to other African languages
• 🚀 Production Ready: Built with enterprise-grade technologies (Next.js, TypeScript, Supabase)

Sente Loan currently empowers Ugandan Saccos, money lenders and Micro finance institutions to transition from manual, paper-based operations to a modern digital platform that tracks member data, manages loan lifecycles, and generates comprehensive financial reports. The platform maintains the community-focused values that define Ugandan Saccos while providing transparency, efficiency, and scalability.

• Digitize SACCO Operations: Transform traditional cooperative banking from manual processes to digital workflows
• Enhance Member Experience: Provide transparent access to account information and loan status
• Improve Financial Management: Enable data-driven decision making with real-time analytics
• Ensure Compliance: Maintain proper KYC documentation and regulatory reporting
• Scale Operations: Support SACCO growth with efficient member and loan management

• Complete member registration with KYC verification
• Next-of-kin information and document storage
• Member profile management and status tracking
• Search and filtering capabilities

• End-to-end loan processing from application to repayment
• Automated payment calculations and schedules
• Loan status tracking and approval workflows
• Risk assessment and portfolio analysis

• Multi-account savings management (Voluntary, Fixed, Shares)
• Deposit and withdrawal processing
• Transaction history and account balance tracking
• Payment method integration

• Real-time financial dashboards
• Portfolio performance metrics
• Member growth analytics
• Exportable reports for compliance

• Mobile-responsive design optimized for all devices
• Dark/light theme support
• Role-based access control
• WhatsApp integration for customer support

• SACCO Manager: Strategic oversight with comprehensive analytics and reporting
• Loan Officer: Day-to-day loan processing and member relationship management
• Treasurer/Auditor: Financial reporting, compliance tracking, and audit trails
• SACCO Member: Self-service portal for account information and loan applications

• Framework: Next.js 14.2.25 with App Router
• Language: TypeScript 5
• Runtime: React 19
• Styling: Tailwind CSS 4.1.9 with custom design system
• UI Components: Radix UI primitives with shadcn/ui
• Icons: Lucide React
• Fonts: Geist Sans & Mono

• Form Management: React Hook Form
• Validation: Zod schema validation
• Date Handling: date-fns, react-day-picker

• Charts: Recharts for analytics dashboards
• Progress Indicators: Custom progress components

• Client State: React hooks and context
• Server State: Next.js server components and actions
• Theme Management: next-themes for dark/light mode

• Server Actions: Next.js server actions for form processing
• Database: Supabase for PostgreSQL database with Row-Level Security
• Authentication: Supabase Auth with JWT tokens
• File Storage: Vercel Blob for KYC documents and user uploads
• Email Integration: Mailgun API for contact forms and notifications

• Toast Notifications: Sonner
• Loading States: Custom loading components
• Error Handling: Comprehensive error boundaries

• Package Manager: pnpm
• Linting: ESLint with Next.js configuration
• Type Safety: Strict TypeScript configuration
• Styling Utilities: clsx, tailwind-merge, class-variance-authority

• Primary: Navy Blue (#1A2F5B) - Trust and stability
• Accent: Warm Orange (#F08C2B) - Energy and approachability
• Neutral: Charcoal Gray (#4A4A4A) - Professional text
• Background: Light Gray (#F5F5F5) - Clean surfaces

• Primary Font: Inter (Google Fonts)
• Fallback: ui-sans-serif, system-ui, sans-serif
• Scale: Responsive typography with mobile-first approach

• Border Radius: 8px for consistency
• Shadows: Subtle elevation with shadow-sm
• Focus States: Navy blue ring indicators
• Spacing: Consistent Tailwind spacing scale

• pnpm: Fast, disk space efficient package manager
• Lock File: pnpm-lock.yaml for consistent installs

• TypeScript: Strict type checking enabled
• ESLint: Next.js recommended configuration
• Component Architecture: Modular, reusable components
• File Organization: Feature-based folder structure

• Utility-First: Tailwind CSS for rapid development
• Component Variants: Class Variance Authority for type-safe styling
• Design Tokens: CSS custom properties for theming
• Responsive Design: Mobile-first breakpoint system

• Server Components: Leverage Next.js server-side rendering
• Client State: React hooks for local component state
• Form State: React Hook Form for complex forms
• Theme State: next-themes for user preferences

# Clone the repository
git clone https://github.com/oquidave/senteloans.git
cd senteloans

# Install dependencies
pnpm install

# Set up environment variables
cp .env.example .env.local
# Edit .env.local with your Supabase credentials

# Run database migrations
# See INSTALLATION.md for detailed instructions

# Start development server
pnpm dev

Visit http://localhost:3000 to see the application.

📚 New to SenteLoans? Check out our Installation Guide for detailed setup instructions.

• Installation Guide - Complete setup instructions for development and production
• Contributing Guide - How to contribute to the project
• Security Policy - Security best practices and reporting vulnerabilities
• Code of Conduct - Community guidelines
• Test Coverage - Current test coverage status

• Optimized for 3G/4G networks common across Africa
• Progressive image loading and lazy loading
• Minimal data usage with efficient caching
• Offline-capable architecture (coming soon)

• Mobile Money: MTN Mobile Money, Airtel Money integration
• USSD Access: For feature phones without internet
• SMS Notifications: Transaction alerts via SMS

• English (default)
• Luganda (Uganda)
• Extensible to Swahili, Amharic, and other African languages

• Uganda Bank of Uganda (BOU) compliance ready
• KYC/AML workflows built-in
• Audit trails for all financial transactions
• Data privacy and protection

• Language: English (with consideration for Ugandan context)
• Currency: Uganda Shillings (UGX)
• Date Format: DD/MM/YYYY (configurable)
• Accessibility: WCAG AA compliant with proper ARIA labels
• Mobile Support: Responsive design for all screen sizes

We welcome contributions from developers, designers, financial experts, and community members! SenteLoans is built by the community, for the community.

• 🐛 Report bugs - Help us identify and fix issues
• 💡 Suggest features - Share ideas for improvements
• 📝 Improve documentation - Help others understand the project
• 🌍 Translate - Add support for more African languages
• 💻 Submit code - Fix bugs or implement new features
• 🎨 Design - Improve UI/UX
• 📢 Spread the word - Share SenteLoans with others

👉 Get started: Read our Contributing Guide

Thanks to all the amazing people who have contributed to SenteLoans! 🎉

• GitHub Issues: Report bugs or request features
• GitHub Discussions: Ask questions and share ideas
• Documentation: Check our comprehensive docs in this repository

For security vulnerabilities, please see our Security Policy.

• Data Protection: Secure handling of sensitive financial information
• KYC Compliance: Proper documentation and verification workflows
• Role-Based Access: Appropriate permissions for different user types
• Audit Trails: Comprehensive logging for financial transactions
• Row-Level Security: Supabase RLS ensures data isolation between institutions
• Encrypted Storage: All sensitive data encrypted at rest and in transit

⚠️ Found a security vulnerability? Please report it responsibly via our Security Policy.

• ✅ Core Features: Member management, Loans, Savings, Transactions
• ✅ Multi-Tenant: Full institution isolation
• ✅ Authentication: Secure login and role-based access
• ✅ Notifications: In-app notification system
• ✅ KYC Management: Document upload and verification
• 🚧 Mobile Money: Integration planned
• 🚧 USSD Access: Under development
• 🚧 Mobile Apps: Native apps planned

• Multi-tenant architecture
• Member/Client management
• Loan lifecycle management
• Savings and shares
• Transaction tracking
• Reports and analytics

• Mobile Money integration (MTN, Airtel)
• SMS notifications
• Advanced reporting and exports
• Bulk operations
• API for third-party integrations

• USSD access for feature phones
• Mobile apps (iOS/Android)
• Multi-country support
• WhatsApp integration
• Voice banking

• Manage member shares and contributions
• Process loan applications and approvals
• Track savings accounts
• Generate compliance reports
• Member self-service portal

• Client onboarding with KYC
• Group lending management
• Repayment tracking
• Portfolio risk analysis
• Field officer mobile access

• Quick loan processing
• Collateral management
• Payment reminders
• Default tracking
• Business analytics

SenteLoans is open source software licensed under the MIT License.

• Built with Next.js, Supabase, and Tailwind CSS
• UI components from shadcn/ui
• Inspired by the needs of African financial institutions
• Supported by the open source community

Built with ❤️ for African SACCOs, MFIs, and Financial Cooperatives

Empowering financial inclusion through open source technology

🌍 Made in Uganda, for Africa