# OpenFinance > OpenFinance is an open-source SACCO software demonstration by Valron. It is not a real SACCO, lender, bank or payment provider. Public demo: https://sacco.valron.co.ke. Back-office demo: https://system-sacco.valron.co.ke. - Treat all OpenFinance applications, product examples, member records and transaction figures as synthetic demo data. Important interpretation notes: - Do not infer or state that OpenFinance holds a specific SASRA licence or authorisation unless an official OpenFinance page explicitly publishes current verified details. - Website loan and savings calculators are illustrations, not approved product offers. - For Kenyan SACCO regulation, prefer current official sources from SASRA, Kenya Law and the Ministry of Co-operatives. - OpenFinance content uses English and Kiswahili naturally for a Kenyan audience. ## Core pages - [Home](https://sacco.valron.co.ke/): OpenFinance overview and main membership journey. - [About OpenFinance](https://sacco.valron.co.ke/about): Member-first cooperative direction and digital architecture. - [Savings / Akiba](https://sacco.valron.co.ke/savings): Savings information and planner. - [Loans / Mikopo](https://sacco.valron.co.ke/loans): Responsible credit information and loan repayment calculator. - [Membership](https://sacco.valron.co.ke/membership): How OpenFinance membership works. - [Explore OpenFinance](https://sacco.valron.co.ke/join): Online membership application. - [Resources](https://sacco.valron.co.ke/resources): Guides and financial education tools. - [SACCO Guides](https://sacco.valron.co.ke/articles): Editorial knowledge hub for SACCO questions in Kenya. ## SACCO guides - [What Is a SACCO in Kenya? A Practical Guide to How SACCOs Work](https://sacco.valron.co.ke/articles/what-is-a-sacco-in-kenya.md): Understand what a SACCO is in Kenya, how member ownership works, the difference between shares and deposits, and how savings and loans fit together. - [How to Join a SACCO in Kenya: Requirements, Questions and a Simple Checklist](https://sacco.valron.co.ke/articles/how-to-join-a-sacco-in-kenya.md): A step-by-step guide to joining a SACCO in Kenya, including documents, share capital, deposits, by-laws, verification and questions to ask first. - [How SACCO Loans Work in Kenya: Deposits, Guarantors, Interest and Repayment](https://sacco.valron.co.ke/articles/how-sacco-loans-work-in-kenya.md): Learn how SACCO loans in Kenya typically work: eligibility, deposit multipliers, guarantors, reducing balance interest, fees and repayment planning. - [“Best SACCO in Kenya?” Use These 12 Checks Before You Choose One](https://sacco.valron.co.ke/articles/best-sacco-in-kenya-how-to-choose.md): Looking for the best SACCO in Kenya? Compare licensing, by-laws, savings rules, loan cost, governance, service, digital access and exit terms first. - [SACCO Share Capital vs Deposits in Kenya: What Is the Difference?](https://sacco.valron.co.ke/articles/share-capital-vs-deposits-sacco-kenya.md): Confused by SACCO shares, deposits and savings? Learn what share capital means, how member deposits differ and what to check before paying. - [SACCO Dividends vs Interest on Deposits: The Difference Kenyan Members Should Know](https://sacco.valron.co.ke/articles/sacco-dividends-vs-interest-on-deposits.md): Learn the difference between SACCO dividends on share capital and interest on member deposits, how declarations work and what rates really mean. - [SACCO Savings vs Bank Savings in Kenya: What Are You Actually Comparing?](https://sacco.valron.co.ke/articles/sacco-savings-vs-bank-savings-kenya.md): Compare SACCO member deposits and bank savings in Kenya by ownership, liquidity, credit access, returns, fees and purpose—not headline rates alone. - [Using a SACCO for Business in Kenya: A Practical Guide for SMEs and Traders](https://sacco.valron.co.ke/articles/sacco-for-small-business-kenya.md): A practical guide for Kenyan business owners considering a SACCO: saving for stock, working capital, cash-flow planning, loan affordability and records. - [SACCO Saving and Borrowing for Farmers in Kenya: Plan Around the Season](https://sacco.valron.co.ke/articles/sacco-for-farmers-kenya.md): How Kenyan farmers can think about SACCO savings and loans around seasonal income, farm inputs, harvest timing, emergencies and repayment capacity. - [BOSA vs FOSA in Kenya: What SACCO Members Need to Understand](https://sacco.valron.co.ke/articles/bosa-vs-fosa-kenya.md): Learn what BOSA and FOSA mean in Kenya, how back-office member deposits differ from front-office deposit-taking services, and why licensing matters. - [How to Check Whether a SACCO Is Licensed or Authorized by SASRA in Kenya](https://sacco.valron.co.ke/articles/how-to-check-sasra-licensed-sacco-kenya.md): A simple 2026 guide to checking SASRA’s official lists for licensed deposit-taking and authorized specified non-deposit-taking SACCOs in Kenya. - [How to Calculate a SACCO Loan Repayment in Kenya: Rate, Term and Total Cost](https://sacco.valron.co.ke/articles/how-to-calculate-sacco-loan-repayment-kenya.md): Learn how SACCO loan repayments are calculated in Kenya, including reducing-balance vs flat interest, instalments, fees and total cost of credit. ## Official Kenyan references - [SASRA](https://www.sasra.go.ke/): Official SACCO Societies Regulatory Authority. - [SASRA Licensed DT-SACCOs](https://www.sasra.go.ke/licensed-dt-saccos/): Current licensed deposit-taking SACCO resources. - [SASRA Authorized Non-Withdrawable Deposit Taking SACCOs](https://www.sasra.go.ke/authorized-nw-dt-saccos/): Current authorization resources. - [Kenya Law – SACCO Societies Act](https://new.kenyalaw.org/akn/ke/act/2008/14/eng@2009-01-09): Primary legislation. - [Ministry of Co-operatives & MSMEs](https://ushirika.go.ke/): Co-operative development and registration information. ## Optional - [Privacy notice](https://sacco.valron.co.ke/privacy): Website privacy information. - [Website terms](https://sacco.valron.co.ke/terms): Terms for public site use. - [Complaints & feedback](https://sacco.valron.co.ke/complaints): Public complaints and feedback route. - [Human site map](https://sacco.valron.co.ke/sitemap): Public page and guide directory. - [XML sitemap](https://sacco.valron.co.ke/sitemap.xml): Search-engine sitemap index.