Complete Cooperative Platform

Explore the powerful digital administrative, financial, and transparency tools designed to take your cooperative society to the next level.

Core

Personal Member Dashboard

Empower members with a clean self-service console offering a real-time summary of savings balance, active loan balances, share capital holding, and recent account activity.

What's Included

  • Real-time ledger balances check
  • View full transactions statement history
  • Direct profile updates
  • Secure member account access credentials
Core

Digital Loan Application

Members can apply for loans directly from their dashboards. The system features dynamic eligibility validation and automated guarantor selection.

What's Included

  • Built-in loan amortization calculator
  • Dynamic guarantor assignment dropdown
  • Terms and interest rate auto-estimation
  • Instant loan status tracker updates
Advanced

Guarantor Consent System

Automate guarantor workflows. Designated guarantors receive invitations and can review, approve, or reject loan guarantees online.

What's Included

  • Instant guarantor request notification
  • Security checks preventing self-guarantees
  • Real-time borrower status updates
  • Detailed guarantor liabilities checklist
Core

Self-Service Withdrawals

Allow members to initiate withdrawal requests from their savings balance to registered bank details, subject to admin approval.

What's Included

  • Input account number, bank and account name
  • Insufficient funds warning validator
  • Real-time status badges (Pending, Approved, Rejected)
  • Detailed withdrawal transaction receipt
Advanced

Forensic Audit Logging

Maintain complete operational transparency. The platform logs all actions taken by administrators, establishing a high-security trail.

What's Included

  • Tracker for settings changes and role updates
  • Records transaction creations and balance overrides
  • Chronological logs of loan approvals and status changes
  • Filter logs by administrator or action category
Core

Approval Workflows

Consolidated administrative dashboards designed for verifying new member profiles, evaluating loan applications, and processing payouts.

What's Included

  • One-click member activation & screening
  • Approve/Reject triggers for loan principal disbursements
  • Real-time balance audits prior to payouts
  • CSRF secured forms protecting admin updates
Advanced

Fine-grained Settings & Roles

Adapt the cooperative system to your exact bye-laws. Configure interest percentages, member prefixes, branding, and permissions dynamically.

What's Included

  • Set custom interest rate for loans and savings
  • Define customized member ID prefix (e.g. DC-001)
  • Assign roles (President, Secretary, Auditor, Member)
  • Customize cooperative names, logo banners, and emails
Core

Interest & Dividend Engine

Eliminate manual spreadsheet formulas. Automatically compute and distribute dividends and savings interest in a single click.

What's Included

  • Calculate dividends proportional to members' shares
  • Distribute savings interest based on active balances
  • Automated transaction log entries for each member
  • Reverse and adjustment logic for allocations
Core

Advanced Loan Estimator

Interactive sliders allow both members and administrators to visualize repayments, total interest costs, and full monthly amortization tables.

What's Included

  • Smooth drag sliders for amount and duration
  • Dynamic interest & principal monthly breakdown table
  • Detailed summary cards (Monthly pay, Total interest, Total pay)
  • Configured settings rate pulls automatically
New

Comprehensive CSV/Excel Reports

Generate clean financial exports, member directories, and operational logs for auditor reviews, internal meetings, or backups.

What's Included

  • Single click spreadsheet exports for reports
  • Pre-filtered templates for savings, loans, and shares
  • Formatted dates, currencies, and identification columns
  • Strict permission filters restricting exports to admins
Core

Bank-grade Platform Security

Engineered using OWASP-compliant standards. Features cross-site scripting (XSS) prevention, session locking, and secure hashing algorithms.

What's Included

  • CSRF protection tokens on all submission actions
  • Secure password hashing utilizing bcrypt
  • SQL Injection prevention via prepared statements
  • NDPR compliance guidelines integration
New

Real-time Alerts & Notifications

Keep your members informed. Instant notification badges trigger for loans approved, guarantor requests pending, or savings confirmations.

What's Included

  • Topbar bell with dynamic count indicator
  • Inline announcement boards and alerts
  • Read/Unread state toggles
  • Dynamic links pointing to actionable items directly

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