Members and compliance
Maintain member relationships, KYC evidence, risk reviews, beneficial owners, consent, alerts, cases, and restricted compliance actions.
Savings & Loans
Branch-scoped member savings, lending, teller, collections, compliance, and portfolio control built on an immutable financial trail.
Operate a savings-and-loans or microfinance institution through a separate workspace. Shared customer identity is extended with dedicated KYC, member, deposit-account, credit, collateral, approval, and compliance records while every posted amount is designed to reconcile to Accounting.
What the Savings & Loans module covers
The workspace is organized around complete operational responsibilities, not a collection of disconnected menu labels.
Savings and teller operations
Open controlled deposit accounts and manage accountable cash, transfers, interest, charges, fixed deposits, maturity, unclaimed claims, dormancy, and account-lifecycle workflows.
Credit and collections
Move applications through affordability, bureau, collateral, guarantor, review, approval, disbursement, repayment, delinquency, restructure, and recovery states.
Financial and regulatory control
Prove subledger and accounting totals by branch, retain immutable approvals and reversals, and generate versioned reports with preparation and filing evidence.
Records kept by the workspace
These are the principal operational records staff create, update, review, or hand to another connected module.
- Financial members and KYC evidence
- Savings and loan products
- Savings accounts, fixed-deposit contracts, and teller sessions
- Applications, loans, schedules, collateral, and guarantors
- Immutable transactions, close controls, compliance cases, and report runs
What the connected workflow is designed to improve
The module combines records, permissions, location scope, and shared services to support these practical operating results.
Controlled member service
Front-office, teller, credit, collections, compliance, and management users receive separate branch-scoped actions suited to their duties.
Traceable money movement
Balances remain projections of immutable entries and posted corrections use reversals, preserving source, approval, branch, and accounting evidence.
Visible portfolio risk
Management can review savings, liquidity, applications, arrears, portfolio at risk, concentration, collateral, exceptions, and branch performance from connected facts.
Included functionality
The module connects the following working capabilities through one tenant and branch model.
- Member onboarding, KYC evidence, risk rating, periodic review, PEP and sanctions controls
- Versioned savings and loan products with integer minor-unit values and basis-point rates
- Savings accounts, teller sessions, deposits, withdrawals, transfers, interest, charges, and dormancy controls
- Fixed deposits with approved placement, maturity and early-redemption settlement, rollover, withholding certificates, unclaimed-liability classification, and customer claims
- Loan applications, affordability, credit review, maker-checker approval, disbursement, schedules, and collections
- Collateral, guarantors, credit bureau consent and checks, delinquency, PAR, write-off, and recovery history
- Branch daily close, immutable subledger, Accounting journals, audit evidence, and controlled regulatory reports
How work moves through the module
A typical operating sequence; permissions and branch configuration determine who performs each step.
- 1
Register or link the customer and approve a dedicated financial-member and KYC profile
- 2
Open an approved savings account or submit a loan application under a versioned product
- 3
Complete teller or credit work through branch permission, limit, and maker-checker controls
- 4
Post immutable financial events, reconcile daily controls, and review portfolio and compliance exceptions
Deployment, data ownership, and management oversight
The workspace is connected to the wider platform without removing tenant, location, department, or permission boundaries.
Deployment model
Use the hosted workspace for consolidated oversight and the local desktop application for approved offline-capable branch operations. Posted financial events require append-only, idempotent synchronization rather than last-write-wins replication.
Access and data scope
Products and institution configuration are tenant-wide. Members, accounts, applications, loans, teller activity, compliance cases, and financial events retain explicit home or transaction branch scope and permission boundaries.
Management visibility
Review members, KYC exceptions, deposits, withdrawals, teller proof, savings and fixed-deposit balances, maturities, unclaimed claims, applications, disbursements, collections, arrears, PAR bands, collateral coverage, compliance alerts, branch controls, and regulatory report status.
Assign the workspace by responsibility
Module enablement makes the workspace available to the organization. User assignments and permissions still control its menus and actions.
TellerField or relationship officerCredit analyst or supervisorCollections officerCompliance officerBranch managerFinance officer or auditor
Administrators can combine module access with branch, store, campus, facility, department, menu, and action permissions. A shared user may work across approved workspaces without receiving access to unrelated records.
Start with Savings & Loans, then assign the right locations and people.
Hosted onboarding records the organization, first branch, business type, module selection, and owner account. Additional branches, roles, and permissions can be configured from administration.