Savings & Schemes
Flexible savings products with automatic interest and clean ledgers.
Configure BOSA and FOSA style products, recurring deposit schemes and cycle-based group savings. Deposits, withdrawals, interest accrual and maturity settlement post straight to the general ledger — every time, without manual journals.
Automated interest accrual
No month-end calculator marathons — interest posts itself and reconciles to the ledger.
Real time member balances
Tellers and members see the same balance the moment a transaction posts.
What Savings & Schemes gives you
Each capability below is a shipped part of the platform, not a roadmap promise.
Configurable Savings Products
Define minimum balances, interest rates, notice periods and withdrawal rules per product.
Accounts & Transactions Ledger
Over-the-counter deposits and withdrawals with instant balanced accounting entries.
Interest Accrual & Posting
Interest computed and posted to member accounts and the ledger automatically on schedule.
Maturity & Cycle Settlement
Fixed-term and cycle savings mature, settle and archive cleanly at period end.
Recurring & Standing Deposits
Scheduled deductions that keep members on track and reduce arrears.
Passbooks, Receipts & Statements
Printable receipts and member statements generated directly from ledger data.
Because the data is shared, so is the value
Savings & Schemes does not sit alone — it reads and writes the same member record and general ledger as the rest of the platform.
Member Management
A single, accurate register for every member you serve.
Loans & Credit
From application to recovery, with every rule enforced in the system.
Shares & Dividends
Track share capital accurately and distribute dividends fairly.
See Savings & Schemes working with your own numbers
Book a walkthrough and we will demonstrate this module against your products, interest rules and reporting obligations — using your own operating scenario.
- No obligation
- Mapped to your products
- Honest fit assessment