How It Works - SACRRA Submission ?
The SACRRA submission process automatically collects and sends loan account data to the credit bureau. It runs as part of a daily and monthly schedule and decides which accounts to include or exclude based on specific business rules.
When the Process Runs
Daily submission runs early every morning. It looks at what happened the previous day – new loans granted, loans that were fully paid or closed, and any paid‑up loans.
Monthly submission runs on the first day of each month. It collects everything that was active or changed during the previous month – new loans, open balances, closed loans, and negative accounts.
Adhoc submission can be run manually if needed for testing or to correct data. A special filter or query must be given when running it.
General Rules (Apply to All Submissions)
Data is processed per company SRN (a sub‑registered number). Only loans that belong to the company or branch with the matching SRN are included.
Loans are only taken into account from the date that the SRN went live.
Very old loans (“prescribed”) are ignored, since they should no longer be reported.
If the same loan appears more than once, it is updated instead of duplicated.
If there are more than 10,000 loans to send, the process automatically reschedules itself to continue from where it stopped.
Daily Report: What Gets Included
A loan will appear in the daily file if:
It was paid out (disbursed) during the daily period.
It was closed during the day with a status of:
Fully Paid,
Early Settlement, or
Cooling Off Settlement.
It has a balance of R100 or less and received a final payment during the day (considered paid‑up).
It meets the SRN and go‑live date rules.
Daily reports only show new or recently changed accounts – they’re essentially reporting daily movements.
Daily Report: What Gets Excluded
These accounts will not appear in the daily file:
Those with negative or inactive statuses such as Disputed, Terms Extended, Handed Over, Written Off, or Deceased.
Loans that are too old (older than the “prescribed” date).
Loans not linked to the correct SRN or created before the SRN became active.
Monthly Report: What Gets Included
A loan is included in the monthly file if any of the following apply:
It was paid out sometime in the previous month.
It was closed in the previous month.
It had payment activity (receipted) in the month but is not yet fully paid or closed.
It’s an open loan (no closing date, no closure status, and a balance greater than R100).
It has a negative or default status — these are reported monthly, not daily.
The monthly run covers all open and active accounts for the month, not just new ones.
Monthly Report: What Gets Excluded
It does not run for the current month because that data is still changing.
Loans that are paid‑up (R100 balance or less) are excluded.
Anything not belonging to the SRN being processed or before its go‑live date is excluded.
Resubmissions
Sometimes an account needs to be sent again if the bureau file was not accepted or a previous record needs correction.
The system automatically includes those loan IDs again if they appear in the resubmission list and fall within the dates for the current run – even if they wouldn’t normally qualify under the other rules.
Validation and Skipped Accounts
Every loan record is checked and formatted before being inserted into the SACRRA table.
If a loan fails validation (for example, it’s missing key information), it is skipped and logged as an error so that the issue can be reviewed but it’s not sent to SACRRA.
Summary – In Simple Terms
Daily runs: report yesterday’s changes. Include new loans, closures, and paid‑ups. Skip problem or negative status accounts.
Monthly runs: report the whole previous month. Include all open, changing, or defaulted accounts. Skip fully paid and minor balance accounts.
Adhoc runs: done manually when needed with custom filters.
Data protection: Each company’s reports are kept separate by SRN, only valid data is processed, and duplicates are safely handled.
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