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Kuboresha malipo kwa SACCOs nchini Tanzania

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Moja kati ya malengo yetu makubwa kwenye CAMS ni kuhakikisha kunakua na uwazi kwenye masuala ya malipo. Ili kufanikisha hili, tunaendelea kuboresha mfumo wetu wa kihasibu kwenye upande wa watendaji ili watendaji wapate taarifa zote zinazohusiana na gharama zinazolipwa pamoja na invoisi zinazotengenezwa.  

Malipo ya ada kwa SACCOs

Mfumo wetu wa kihasibu unatengeneza invoisi zenye namba halali ya risiti pamoja na QR code zilizothibitishwa na mamlaka ya mapato Tanzania (TRA). SACCOs yako inaweza kuscan hii QR code kuthibitisha invoisi na kuhakiki taarifa za malipo. 

Invoisi inakua na vitu hivi:

  • Namba sahihi ya risiti pamoja na QR code
  • Aina ya malipo 
  • Kiasi cha jumla 
  • Tarehe ya malipo 
  • Kodi zilizokatwa 

Kwa mfumo kama huu, SACCOs yako inaweza kuhifadhi taarifa za kila malipo na invoisi iliyotengenezwa kwa kutumia upande wa watendaji. 
Italeta uaminifu zaidi kwenye mfumo na kuhakikisha malipo yanakua nafuu zaidi. 

Malipo kiurahisi kwa wanachama 

Tunafanya kazi kuhakikisha malipo yanakua rahisi kwa SACCOs kwenye CAMS kwa kutumia usaidizii wa mitandao ya simu pamoja na benki. Itawawezesha wanachama kuchagua njia yao mbadala ya malipo ikiwemo akaunti za mitandao ya simu au akaunti za benki kufanya malipo kwenye kutuma michango au kupokea kiasi cha mkopo.    

Aidha, wanachama wa SACCOs wanaweza kufanya michango au marejesho ya mkopo kwa kutumia mitandao ya simu kwenye mfumo au njia ya moja kwa moja kwenye menyu za mitandao ya simu. 

  • Kwa kutumia CAMS, wanachama wanaweza kuingia kiurahisi na kuchangia kwenye SACCOs zao kwa kutumia mitandao yao ya simu au benki . Kadri wanavyoendlea  kufanya malipo watapokea ujumbe kwenye simu zao za mkononi. Endapo watakubali, malipo yatakua yamekamilika. 
     
  • Kwa kutumia menyu za mitandao ya simu moja kwa moja kwenye viswaswadu, wanachama wanaweza kubofya menyu kuanzisha malipo, mfano , *150*01# kwa  TigoPesa. Pia watahitaji namba ya biashara na kumbukumbu namba ya malipo itakayotolewa na SACCOs yao husika. 

Hitimisho 

SACCOs nchini Tanzania zinaweza kutumia mfumo huu kufanikisha uaminifu na uwazi miongoni mwa wanachama wao. Itawasaidia pia kwenye malipo na kupunguza ubadhilifu.

One of the many goals for us with CAMS is to ensure transparency in payments. To achieve that, we continue to improve our accounting system on the admin portal so the admins have all the information related to fees paid and invoices generated. 

Fee payment for SACCOs

Our accounting system generates invoices with a valid receipt number and a QR code approved by the Tanzania Revenue Authority (TRA). Your SACCO can scan this QR code to confirm the invoice and ensure accurate payment information. 

The invoice includes:

  • A valid receipt number and a QR code
  • Type of payment 
  • Total amount
  • Date of payment
  • Tax deducted

With such a system, your SACCO can keep track of every fee payment and invoice generated using the admin portal. It will eventually bring more trust to the system and ensure a better payment experience. 

Easier payment for members

We are working to make payments easier for SACCOs with support for more mobile network operators and banks on CAMS. It will enable members to choose their preferred method, including a wallet or a bank account to make contributions and receive loan amounts.   

Furthermore, SACCO members can either make contributions or loan repayments using CAMS mobile app or the USSD Direct method.  

  • Using the CAMS mobile app, they can easily log in to contribute using their preferred MNO or banks supported by their SACCO. As they continue to make the payment, they will get a confirmation message on their mobile phone. Once accepted, the payment will be complete. 
  • Using the USSD Direct method on a feature phone, members can press USSD codes to start the payment process, e.g., *150*01# for TigoPesa. They will also need a business number and payment reference number provided by their SACCO.

Conclusion

SACCOs in Tanzania can use these systems to achieve better trust and transparency amongst members. It will also help them bring clarity to payments and reduce the chances of fraud. 

 
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