Shared Services

We support our partners in the development of shared IT services or other shared services like audit and recruitment.

Eastern Africa

To increase financial inclusion in particular of the rural population in Eastern Africa, the range of services offered by Microfinance institutions (MFIs) and Savings and Credit Cooperatives (SACCOs) which are organized in umbrella organisations which act as German Sparkassenstiftung´s project partners in has to expand. For this purpose, it is necessary to develop financial products and services adapted to the needs of rural target groups. Additionally, it is relevant to review the needs and possibilities for the setup of protection funds e.g. a deposit protection fund for microfinance clients and credit rotation funds. DSIK supports partners in the development of digital financial services and shared services, for example: 

  • Shared IT Services (like server hosting, website development, shared software, and hardware support), 

  • External Auditing of annual reports of SACCOs and MFIs to fulfill the legal requirements, 

  • Human Resource activities (candidate selection and contracting) and 

  • Data Management services. 


German Sparkassenstiftung Eastern Africa in Burundi together with its partner RIM (Réseau des Institutions de Microfinance du Burundi) the umbrella organization of the microfinance institutions in Burundi has identified the development and implementation of shared services as one of their key cooperation areas. Offering shared services to the member MFIs has various advantages for them, in particular the possibility to afford high quality, but often-costly external services that they could otherwise not make use of, by pooling their resources.

Improved business performance with Shared Audit

The most successful shared service implemented in Burundi so far has been the Shared Audit. In 2018, 16 MFIs participated in the first shared audit for which a renowned local audit firm could be engaged that otherwise would be out of the financial scope of the institutions. For the MFIs being audited by a trusted and well-known auditing company has yielded valuable information on their status quo and recommendations on measures for the improvement of their operations. Moreover, it improves their reputation and adds to their credibility in the financial community. At the moment a second shared audit is being organized and offered to the member MFIs.

Shared services to comply with central bank requirements

Another shared service that is currently in development and will be implemented soon is the support of a specialized consultancy firm for the conception of Business Continuity Plans. These are documents outlining systems of prevention and recovery to deal with potential threats such as natural disasters or the disruption of IT structures to a business’s operations. The possession of such plans will enable the MFIs to comply with recent regulations of the Banque de la République du Burundi (the central bank of Burundi), which requires all financial institutions to put in place such provisions. So far, 11 institutions have voiced their interest to take part in this service.

For the future, it is being planned to create more shared services according to the needs of the microfinance sector. A special emphasis will be put on activities that support the MFIs in complying with the regulations of the central bank.


Together with our partner African Confederation of Co-operative Savings and Credit Associations (ACCOSCA) we intend to introduce shared services on Big Data, Data Management Software, Core Banking Software and Shared Branching. While, with the Association of Microfinance Institutions in Kenya (AMFI-K) we plan to introduce digitalization and shared IT services in the microfinance sector.


The term shared services refers to the consolidation and centralization of service processes of an organization. This procedure is particularly suitable for umbrella organizations and their affiliated members. In Rwanda, the Association of Microfinance Institutions in Rwanda (AMIR) acts as an apex organization for a large number of microfinance institutions. These, in turn, are very similar in terms of their structure and have almost identical processes in their day-to-day business since they serve the same clientele. 

Hence, German Sparkassenstiftung Eastern Africa (DSIK) in Rwanda supported its partner AMIR to start building a shared IT platform for the MFI sector. The central product of such a platform is certainly a core banking software adapted to the needs of MFIs. Yet, in this context many other aspects were considered like the integration of a data warehouse, e.g. for the creation of management reports or the integration of different services like mobile money, online banking, or the use of ATMs. Above all, hosting and IT support should be carried out from a central location, so that MFIs can focus on their current business and their customers.  

Additionally, AMIR developed with the support of DSIK various other shared services to best serve the member MFIs. Probably the largest and most widely used service at present is Shared Audit, where AMIR has negotiated a framework contract with an auditing firm. The representation of almost the entire microfinance sector enables AMIR to have greater negotiating power and thus, more favorable individual prices for annual audits of individual MFIs. Most of these price advantages are passed on to the member institutions and a part remains with AMIR in order to cover expenses caused by negotiations and contract drafting. More than that, AMIR offers shared recruitment services. If individual microfinance institutions do not have the capacity to carry out an assessment center or interviews, AMIR takes over this role for a corresponding fee. In some cases, the microfinance institution wants to ensure transparency in the selection process and therefore engages the umbrella organization AMIR as an independent third party.  


Together with our partner the Association of Microfinance Institutions of Uganda (AMFIU), we are implementing a Shared Services Center (SSC). The SSC will be a consolidation of people, processes and technologies structured in a centralized point of service optimized to deliver cost‐effective, flexible, and reliable services to all AMFIU members.

Services available and accessible through the SSC are Digitalization, Mobile Financial Services, Core Banking System, Debt Collection, Audit, Risk Management, Legal and Compliance.


German Sparkassenstiftung Eastern Africa (DSIK) in Tanzania is supporting with advancing digitalization or shared IT services in both the Savings and Credit Cooperative Societies (SACCOS) sector, together with the Savings and Credit Co-Operative Union of Tanzania (SCCULT), Tanzania Cooperative Development Commission (TCDC) and the Microfinance sector with SELF Microfinance Fund (SELF MF). DSIK is supporting partner organizations in providing advice on the selection of core banking software, IT needs assessment, and service providers, data migration amongst others.

Currently our digitalization team in Tanzania is working closely with SELF MF in finding the best qualities for the right banking system that will suit their needs, as the right Banking System to suit the merger has been a challenge for SELF MF.

Deutsche Sparkassenstiftung für internationale Kooperation e.V.
Regional office Rwanda:
RICEM Premises, KN 193 St, Kabusunzu, Nyakabanda
P.O. Box 4335, Kigali-Rwanda

Phone: +250 723 380 119

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