CoopPortal
A modern, auditable thrift & credit cooperative system
A full-stack cooperative management platform supporting member self-service, thrift contributions, loan lifecycle management, double-entry accounting, AGM voting, and online payment integration — built to finance-grade standards for real cooperatives.
1,500
Members
5
Roles
4
Phases Complete
27+
Delivered Features
100%
Pilot Closed
Platform Modules
Every aspect of cooperative operations,from member onboarding through to audit-ready financial reports — handled in one integrated system.
Member Self-Service
Members manage their own dashboard, savings goals, statements, receipts, and profile — with OTP-secured contact updates.
Thrift & Savings
Multi-product thrift enrollment, contribution tracking across all statuses, real-time summary, and online payment via gateway.
Loan Management
Full loan lifecycle: application, finance review, president approval, disbursement, repayment tracking, and rejection with resubmit.
Double-Entry Ledger
Internal accounting layer maps every transaction to ledger accounts. Trial Balance, member sub-ledger, drift detection and auto-repair.
AGM & Voting
Annual General Meeting module with session management, member participation tracking, and secure digital voting.
Payment Gateway
Flutterwave integration for online thrift and loan repayments. Idempotent finalize flow creates pending contributions and verification queue items.
Finance Admin Tools
Financial Verifications queue with inflow/non-cash separation, global search, CSV exports, audit logs, and thrift reversal.
Notifications
Email alerts for loan approvals, disbursements, repayments, due/overdue reminders with cooldown, and receipt-available events — all preference-controlled.
Role-Based Access
Five distinct roles (member, finance_admin, treasurer, admin, president) with a clearly defined access matrix enforced across all endpoints.
Delivered in 4 Phases
A structured delivery roadmap taken from plan to pilot-complete — all four phases delivered.
Member Statements & Reporting
- ✓ Unified member statement API (thrift + loans)
- ✓ CSV export per member and per period
- ✓ Admin Reports UI with member selector
- ✓ Member self-service My Statements page
Financial Integrity & Accounting
- ✓ LedgerAccount and LedgerEntry double-entry models
- ✓ Backfill of existing thrift and loan records
- ✓ Trial Balance report and member sub-ledger views
- ✓ Ledger drift detection and repair tooling
Advanced Admin & Audit Experience
- ✓ Global search and drill-down filters
- ✓ AuditLog model for all sensitive actions
- ✓ Thrift adjustments and reversals with ledger entries
- ✓ Financial Verifications queue with flow direction
Member Experience & Growth
- ✓ Enhanced dashboards: savings goals, loan payoff projections
- ✓ Online payments via Flutterwave gateway
- ✓ Email notification system with member preferences
- ✓ OTP-secured profile updates and admin-assisted contact changes
Role-Based Access Matrix
Five roles with clearly defined permissions across every function of the platform.
| Role | Own Data | Any Member | Verify Thrift | Approve Thrift | Reverse Thrift | Reports | Global Search |
|---|---|---|---|---|---|---|---|
| Member | ✓ | — | — | — | — | — | — |
| Finance Admin | ✓ | ✓ | ✓ | — | ✓ | ✓ | ✓ |
| Treasurer | ✓ | ✓ | — | ✓ | ✓ | ✓ | ✓ |
| Admin | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| President | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Need a cooperative management system?
We build finance-grade platforms for cooperatives, thrift societies, and credit unions. Talk to us about deploying a solution for your organisation.
Custom deployment · Full support · Finance-grade security