CoopPortal
A modern, auditable cooperative management platform
A complete cooperative management platform covering member self-service, thrift and savings, loan lifecycle, welfare and benefits, dividends, investment tracking, AGM governance, double-entry accounting, and online payment integration. Built to finance-grade standards for real cooperatives.
12
Modules
8
Roles
6
Phases
50+
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, and receipts, with OTP-secured contact and next-of-kin 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, financial verification, committee 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.
Welfare & Benefits
Configurable welfare schemes with levy generation, member payment tracking, eligibility validation, and committee-approved benefit claim processing.
Dividends
End-to-end dividend management: declaration, presidential approval, per-member share calculation, treasurer-confirmed distribution, and member notifications.
Investments
Cooperative-level investment tracking: record, monitor performance, update status as investments mature, and reflect returns in financial summaries.
AGM & Voting
Annual General Meeting module with session management, quorum tracking, member attendance, document publishing, and secure digital ballot voting.
Payment Gateway
Integrated online payment processing for thrift contributions and loan repayments, with automatic verification queue handling on completion.
Finance Admin Tools
Financial verifications queue, global search, CSV exports, audit logs, and thrift reversal tools for the finance and admin teams.
Notifications
Email alerts for loan approvals, disbursements, repayments, and due or overdue reminders. Every alert type is preference-controlled by the member.
Role-Based Access
Eight distinct roles with a clearly defined access matrix enforced across all platform functions: Member, Finance Admin, Treasurer, Admin, President, Secretary, Scrutinizer, and Public Tracker.
Delivered in 6 Phases
A structured delivery roadmap taken from plan to pilot-complete, with all six phases delivered.
Member Statements & Reporting
- ✓ Unified member statement (thrift and loans combined)
- ✓ CSV export per member and per period
- ✓ Admin Reports dashboard with member selector
- ✓ Member self-service My Statements page
Financial Integrity & Accounting
- ✓ Double-entry ledger models for all transaction types
- ✓ 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
- ✓ Audit log for all sensitive actions
- ✓ Thrift adjustments and reversals with ledger entries
- ✓ Financial verifications queue with flow direction separation
Member Experience & Growth
- ✓ Enhanced dashboards with savings goals and loan payoff projections
- ✓ Online payments via integrated payment gateway
- ✓ Email notification system with member preferences
- ✓ OTP-secured profile updates and admin-assisted contact changes
Welfare & Member Benefits
- ✓ Configurable welfare schemes with levy rules and frequencies
- ✓ Bulk levy generation and per-member payment tracking
- ✓ Eligibility validation against levy standing before claim processing
- ✓ Committee-reviewed benefit claims with finance disbursement flow
Dividends, Investments & Governance
- ✓ Dividend declaration, presidential approval, and per-member distribution
- ✓ Cooperative investment portfolio tracking and returns recording
- ✓ Full AGM module: session management, attendance, proposals, and digital voting
- ✓ Secretary and Scrutinizer roles with scoped governance access
Role-Based Access Matrix
Eight 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 | AGM / Governance |
|---|---|---|---|---|---|---|---|---|
| Member | ✓ | No | No | No | No | No | No | No |
| Finance Admin | ✓ | ✓ | ✓ | No | ✓ | ✓ | ✓ | No |
| Treasurer | ✓ | ✓ | No | ✓ | ✓ | ✓ | ✓ | No |
| Secretary | ✓ | ✓ | No | No | No | ✓ | ✓ | ✓ |
| Scrutinizer | ✓ | ✓ | No | No | No | ✓ | ✓ | ✓ |
| 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