A complete accounting and member-management platform built for OOU 005 Alumni CMS. From savings tracking to loan disbursement — all in one place.
Click any module below to explore how it works and what it covers.
A full member registry with everything your cooperative needs — from onboarding to exit.
Complete profiles
Name, photo, occupation, address, date of birth
Nominee records
Primary & alternate nominees with contact details
Bank details
BVN, NIN, account name, number, and bank
Member portal
Self-service login for every member with an email
Membership card
Generate printable ID cards with QR codes
Status tracking
Active, inactive, suspended — with audit trail
Bulk import
CSV migration from any existing system
Auto portal login
Temporary password created on import; member resets on first login
Track every kobo members save — with automatic late fees, running balances, and online payment.
Monthly contributions
Record and verify each member's monthly deposit
Running balance
Real-time cumulative balance per member across all time
Late fee automation
Configurable % penalty applied when payment misses due date
Date-range filters
Filter savings history by custom period, status, or year
Annual summaries
Gross saved, late fees, and net per calendar year
Online payments
Paystack & Flutterwave — member pays from the portal
Print-optimised
A4-ready savings statement with letterhead
Bulk CSV import
Migrate years of savings history in one upload
Five loan types, three interest computation methods, full amortisation schedules, and online repayment.
5 loan types
Regular · Housing · Emergency · Asset Purchase · School Fees
3 interest methods
Flat rate · Declining balance (annual) · Declining balance (monthly)
Amortisation schedule
Full instalment table: principal, interest, balance per month
Eligibility engine
Auto-check savings threshold, tenure, and multiplier limits
Approval workflow
Apply → Review → Approve/Reject → Disburse
Repayment tracking
Principal, interest, and penalty breakdown per payment
Online repayment
Members pay instalments directly via Paystack / Flutterwave
Bulk import
Migrate historical loans and repayments with CSV upload
Accountant-grade statements and cooperative surplus reports, printable in seconds.
Statement of Account
Unified chronological ledger: savings, loan disbursements, and repayments in one table
Running balances
3 running columns: Savings Balance · Loan Balance · Net Position
Opening & closing
Pre-period opening balance so every figure reconciles
Surplus appropriation
Compute and distribute surplus per cooperative bye-laws
Certification block
Member name, period, dual signature lines, stamp space
Date-range filters
Quick shortcuts: This Year, Last Year, All Time
Period summary
Total saved, loans disbursed, repaid, fees charged
Print CSS
@page A4 margins, sidebar hidden, borders visible
Keep full visibility of every kobo the cooperative puts to work — fixed deposits, bonds, shares, and more.
Multiple asset types
Fixed deposits, treasury bills, bonds, equity, mutual funds
Return tracking
Expected vs actual return with maturity date alerts
Risk classification
Low / Medium / High risk per instrument
Institution records
Bank, fund manager, or broker per investment
Approval workflow
Investments require authorised officer approval before recording
Portfolio view
Current value vs cost across all positions
Bulk import
Migrate investment history via CSV
Audit trail
Every change logged with user, timestamp, and IP
Fine-grained role permissions, tamper-evident audit logs, and secure-by-default configuration.
6 role levels
Admin · President · Secretary · Treasurer · Financial Secretary · Member
Rate-limited login
15-minute lockout after repeated failed attempts
Forced password change
Imported members must set a new password on first login
Cryptographic passwords
Werkzeug PBKDF2 hashing — no plaintext storage
Full audit log
Every login, create, update, and delete recorded with IP & user agent
Secure SECRET_KEY
Server refuses to start if key is absent or a known-weak default
CSRF protection
SameSite=Lax cookies block cross-site POST by default
Webhook validation
HMAC-SHA512 (Paystack) and hash comparison (Flutterwave) on all webhooks
Create admin accounts, configure cooperative details, interest rates, loan rules, and payment gateway keys — all from the Settings page.
Upload your existing member roster via CSV. Portal logins are created automatically. Each member receives a secure temporary password they must change on first login.
Record savings, process loan applications, disburse funds, accept online repayments, generate reports, and view the live financial dashboard — every day.
Every financial calculation, approval flow, and report format in this system was designed to match the specific sections of your cooperative's bye-laws — not a generic template.
Access the SystemEverything is configured and waiting. Log in to the dashboard and start managing your members, savings, and loans today.