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Benefits of .COM
n The integration of loan processes with the back office accounting ensures INSTANT balancing of ledgers, eliminating the taxing effort of updating ledgers to balance records. n Unlike old school software which only stores Member name and number at the most, .COM allows your coop to enter pertinent rich set of info about your members. With the sophisticated members’ profile feature, you can come up with new services and products for your members; determine their C's of credit (character, capacity, capital, collateral, conditions); and develop leadership among members by encouraging leadership roles among capable members. n Eliminates time on redundant steps. n Eliminates errors on manual processes. n Designed to offer convenience in handling and recording of transactions. n Minimizes the hassles of preparing reports and schedules that are vital in analyzing the cooperative business operations. n Provides the user the tool to a prompt and wise decision-making. n Shortens lead time in loan processes & generation of reports and information retrieval. n And much, much more!
Features of .COM
MODULE I: SAVINGS AND CREDIT OPERATIONS
This module includes the membership profile where the important member’s data base will be stored. This data base includes the personal information, sources of income and credit, track record of the coop member (the loan and deposits records), etc.
This module also captures the credit operations of the cooperative from credit application, scoring, approval, computation of loan payments, generation of statement of accounts. Tellering and cashiering operation is also a part of this module.
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MEMBERS’ PROFILE |
Personal information Sources of income/credit Properties Affiliations Track record in the coop Skills |
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SAVINGS & LOANS |
Applications, approval Credit Investigation Loan Reports /analysis Collection Report Delinquency Report Statement of Accounts Interest & fines computation Dividends/Patronage Refund Teller Operations Automated S/A Int Computation |
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REPORTS |
MasterList per Chapter Genderized Masterlist per Chapter Member Summary Members' Masterlist Members' List per Classification Members' Birthdate Members' Deposit Balance Members' Statement of Account Individual Loan Ledger Individual Deposit Ledger Collection Details Overdue Accounts Loan Release vs Payments Loan Released Loan Analysis Loan Analysis/PAR Loans Applied for the day Schedule of Loan Accounts Time Deposit Accrual Time Deposit Masterlist Savings Account Masterlist |
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MODULE II: GENERAL ACCOUNTING
This module processes the preparation and generation of check or cash disbursements, journal vouchers, credit/debit memos up to the posting of transactions to the books of accounts.
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GENERAL ACCOUNTING |
Voucher Preparation and Generation Accounts Payable Lapsing Schedule Bank Reconciliation Books of Accounts/Journals Financial Statements |
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REPORTS |
Assets Masterlist Chart of Accounts Subsidiary List Aging (AR) Aging (AP) Journal Report (Detailed) Journal Report (Summary) Voucher Prooflist (Summary) Cancelled/Deleted Transactions Prooflist Trial Balance Loan Released Listing General Ledger (Summary) SL Schedule Balance Sheet Financial Ratio Income Statement Expense Summary Cash Flow/Position Comparative Expense Summary Comparative Trial Balance Comaprative Balance Sheet |
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.COM is a comprehensive system for savings and credit operations of cooperatives. .COM is definitely a highly recommended model solution and a MUST-HAVE for coops. |
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SPECIAL SOLUTIONS |
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