Run your cooperative
like a bank.
Member contributions. Loan administration. Financial oversight. All in one platform built for the way savings cooperatives actually work.
4 roles
Owner · Admin · Treasurer · Member
Multi-tenant
Strict data isolation
Audit trail
Every action logged
Members
47
Total Saved
₦2.4M
Active Loans
12
Recent Contributions
Every payment,
verified and on record.
Members submit their monthly contributions with a receipt upload. Admins and treasurers review, verify, or reject each one — creating an airtight financial record the whole cooperative can trust.
- Bank transfer, mobile money, or cash — all payment methods covered
- Receipt attachments stored alongside every contribution
- Instant status updates: pending, verified, or rejected
- Full contribution history per member, exportable to CSV
Pending Verification
3 receipts awaiting review
Emeka Nwosu
Bank Transfer · Apr 23
Ngozi Adeyemi
Mobile Money · Apr 22
Taiwo Adeleke
Bank Transfer · Apr 21
Loan Application
PENDING_REVIEWApplicant
Fatima Bello
Member since Feb 2024
Requested
₦150k
Guarantors (2/2)
From application
to decision, structured.
Members apply for a loan, nominate two guarantors from within the cooperative, and wait. Guarantors respond in-app. Once both accept, the application lands in the admin queue — ready for a final decision with full context.
- Multi-step workflow: apply → guarantors → admin review
- Guarantors accept or reject with optional reasons
- Admins approve or reject with documented decisions
- Rejection reasons preserved for transparency and appeals
Everyone in their lane,
nothing overlapping.
Four roles. Four sets of permissions. Owners configure the cooperative. Admins run operations. Treasurers verify money. Members participate. Each role sees exactly what they need to — nothing more.
- Owner, Admin, Treasurer, and Member roles built in
- Per-member monthly contribution targets tracked individually
- Invite members by email or let them join via cooperative code
- Soft-delete preserves history when members leave
Members
Lagos Savings Cooperative
Ada Okonkwo
₦25,000/mo
Emeka Nwosu
₦25,000/mo
Fatima Bello
₦25,000/mo
Chidi Obi
₦30,000/mo
Ngozi Adeyemi
₦20,000/mo
How it works
Three phases.
Infinite clarity.
Cooperative Manager follows the natural lifecycle of a savings cooperative — setup, operations, and lending — each phase building on the last.
Administrator provisions the cooperative
An owner account is created for your cooperative. They set contribution targets, define roles, and invite the first wave of members. The platform is ready to run in minutes.
Members join and contribute monthly
Members sign up, select their cooperative, and begin submitting monthly payments with receipt uploads. Treasurers review each one and mark it verified — building a clean financial record over time.
Loans are applied for, reviewed, and decided
Any member can apply for a loan. Guarantors accept or decline. Once the threshold is met, the application moves to admin review. Approved or rejected — with reasons, always on record.
Audit Log
Built for institutions
that handle real money.
Cooperative finances carry real consequences. Every architectural decision — from data isolation to session management — treats security as a first-class requirement, not an afterthought.
- Data isolated per cooperative — no cross-tenant access, ever
- Role-based access enforcement on every API endpoint
- Passwords hashed with scrypt before storage
- Session tokens expire after 30 days with secure cookie flags
- Soft deletes preserve audit integrity — records are never truly lost
- All financial mutations require authenticated, authorised sessions
Your cooperative deserves
proper infrastructure.
Stop managing contributions in spreadsheets and loans in WhatsApp threads. Give your cooperative a platform built for the work.