Cooperative systemManage members, savings, deposits, loans, transactions, finance, reports, and SHU in one controlled cooperative platform.
Explore the product areas that support one connected operating flow.
Read member counts and active members, total savings, total loans, projected income and expenses, cash flow, profit and loss, loan applications awaiting approval, and payments that need follow-up; member accounts see active savings, active loans, savings balances, loan outstanding, payment schedules, and application status.
Manage active and inactive members, add, edit, delete, view details, search, filter, member codes, summaries, validated imports, accounts, history, portal accounts, and deletion protection while obligations remain active.
Manage savings products and accounts, deposits, withdrawals, adjustments or account movements, account status, transaction history, summaries per member, maturity reports, and links to finance journals.
Configure tenors, maturity dates, interest, tax, disbursement or settlement to savings accounts, summaries per member, maturity reports, and automatic journals related to term deposits.
Manage products, applications by officers or members, approval or rejection, disbursement, instalment schedules, payment history, status, penalties, arrears, maturity dates, limits, tenors, interest, approvers, charges, and payment rules.
Record manual transactions and automatic transactions from savings, term deposits, loans, and SHU, including posting, unposting, bulk posting, transaction adjustments, instalment payments, and links to finance.
Use general journals, ledgers, trial balances, profit and loss, account masters or chart of accounts, opening balances, payment types, journal posting settings, cash, payment accounts, and cash movement reports.
Configure, approve, and distribute SHU to members, including posting SHU to member savings or credit, with records connected to member and finance data.
Open savings, term deposit, savings per member, term deposit per member, loan, arrears, maturity, ledger, cash movement, trial balance, and profit and loss reports, complete with filters, export, print, and evaluation summaries.
Set read, write, and delete permissions by module for Admin, Officer, Teller, and Member roles so each user can only open data within their authority.
Manage the cooperative profile, savings and loan products, automatic numbering, notifications, email, accounts, opening balances, payment types, journal posting, and SHU settings.
Members can sign in with a cooperative code, view personal summaries, check savings and loans, and apply for loans when permitted.
Use secure sign-in, tenant codes, forgotten and reset password flows, permissions by module, audit logs, system notifications, and background workers for selected automated processes.
Implementation path
The rollout follows the cooperative's own operations: clean data first, then products, then daily transactions, then the reports management reads.
Set the cooperative profile, numbering, chart of accounts, opening balances, and import the member records.
Define savings products, term deposits, loan ceilings, tenors, interest, approvers, and penalty rules.
Record deposits, withdrawals, disbursements, and instalments, then post them into the journal.
Review arrears, maturities, cash movement, profit and loss, SHU distribution, and who may see what.
A cooperative code separates each organization's workspace and access.
Sign-in, forgot-password, and password-reset flows support controlled user access.
Read, write, and delete rights can be limited according to role and responsibility.
Audit logs preserve important actions so changes can be traced.
Notifications help users follow processes and actions that require attention.
Background workers run selected scheduled processes without relying on manual work.
