---
title: School fee feature
---

## Strategic Role: Community Payment Partner

The School Fee Module transforms your SACCO from a lender to a central digital payment hub for your community's schools and parents, securing a vital, long-term relationship.

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### The challenge

Manual Cash

**

### The solution

Digital Platform

## 1. Revenue Projection Calculator

### Customise Your Revenue Model

Number of SACCO Members

Avg. Children per Member

Avg. Annual Fee per Child (in KES)

SACCO Transaction Markup (%)

### Projected Annual Impact

Assumes three termly payments per year. The revenue is generated from the SACCO's adjustable markup.

** TOTAL FEE VOLUME

43.5M

Total KES flowing through the system to schools.

** YOUR REVENUE

435K

Guaranteed, recurring annual income from markup.

Total students served: 2,500

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## Potential Termly Loan Need

14.5K

Average lump sum needed by a member every term (based on 2.5 children).

School fees hit families hard every term. This payment data lets your SACCO quickly offer the right loan amount to parents when they need it most.

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## Enable Monthly Fee Savings

4.8K

Target monthly KES amount needed to cover the termly fee burden.

Instead of one big termly payment, parents can save smaller amounts every month. This removes stress and makes fees much easier to manage over the year.

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## Future Member Pipeline

2,500

Students generating trackable payment data.

Every student whose fees are paid through your SACCO is a future member. You start building loyalty and financial data on them years before they need their first adult loan.

## 2. Strategic & Operational Value for the SACCO

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### Increase Liquidity & Deposits

Fee payments translate directly into large, predictable deposits into SACCO accounts, dramatically improving short-term liquidity.

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### Data-Driven Lending

Transaction history provides verified, recurring income/expense data, allowing for safer, faster pre-approved school fee loans.

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### Member Stickiness & Growth

The recurring nature of termly payments ensures consistent digital engagement, which increases loyalty and drives new account openings.

## 3. Value for Parents and Schools

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### For Parents: Convenience & Trust

- Eliminates Queues: Pay anytime via mobile money (USSD) or at the SACCO counter.
- Real-Time Proof: Instant SMS confirmation and digital receipt.
- Trusted Channel: Use the familiar, local SACCO instead of generic paybill numbers.

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### For Schools: Efficiency & Control

- Zero Reconciliation: Payments auto-link to student ledgers in CAMS.
- Reduced Cash Risk: Eliminates the need to handle large amounts of physical cash.
- Complete Transparency: Clear audit trails for every single fee payment.

## Future-Proofing Your SACCO

By owning the school fee payment process, the SACCO secures multiple future growth channels:

- ** Digital Conversion: Converts existing parent members into regular digital users.
- ** Recurring Revenue: Guarantees transaction income linked to the predictable academic calendar.
- ** Product Readiness: Strengthens digital infrastructure for future products (insurance, savings plans).
- ** Community Centrality: Cements the SACCO's position as the essential local financial partner.

### System View

![Skjermbilde](https://www.wakandi.co.ke/hs-fs/hubfs/Skjermbilde.png?width=179&height=307&name=Skjermbilde.png)

The module is fully integrated into CAMS.