The complete back-office system for running a cooperative

Cooperative Finance Manager is a local-first back-office application for running a savings, loan, and credit cooperative or thrift society — built for the admin staff who manage it, not for member self-service. It covers the full lifecycle of a multipurpose cooperative: member records, savings, contribution schemes, loans with guarantors and flexible interest, share capital, dividends, inventory and goods trading, a manual general ledger, governance record-keeping, and full financial reporting — all stored locally with layered backup, so your society's records stay under your control.

Windows Works Offline Custom Branding

Modules & Functions

Everything needed to run a cooperative's finances, from member sign-up to year-end dividends.

Member Management

A full profile for every member, always one click away.

  • Register & edit member records
  • Searchable member list
  • Detailed member profile view
  • Member photo capture

Savings

One running wallet per member, kept simple on purpose.

  • Deposit & withdrawal transactions
  • Always-current running balance
  • Per-member savings statements

Contributions & Welfare

Run as many contribution schemes as your society needs — welfare, building fund, and more.

  • Admin-defined contribution schemes
  • Per-scheme, per-member ledgers
  • Contribution statements

Loans

From application to final repayment, with nothing falling through the cracks.

  • Loan applications with printable preview
  • Flat-rate or reducing-balance interest
  • Guarantors & installment schedules
  • Repayment recording & overdue tracking

Share Capital

Track ownership stakes as precisely as savings.

  • Per-member share ledger
  • Purchase, transfer & withdrawal transactions
  • Configurable share unit value
  • Share statements

Dividends

Turn a year's surplus into a clean, member-by-member payout.

  • Dividend declaration
  • Per-member disbursement
  • Dividend history & details

Inventory & Sales

If your cooperative also trades goods, it's covered in the same system.

  • Product catalog & purchasing/restocking
  • Stock adjustments
  • Member & walk-in sales, cash/partial/credit
  • Sale payment recording

General Ledger & Accounting

A proper double-entry ledger for overhead items, kept separate from member transactions on purpose.

  • Seeded chart of accounts
  • Manual journal entry creation & listing
  • Not auto-posted — full admin control

Governance Records

Meeting minutes and resolutions, kept exactly where the rest of the society's records live.

  • AGM, Board, Special & Committee meetings
  • Minutes & attendee tracking
  • Resolutions with voting status

Reports

Every number a cooperative needs to report to its members or regulators, in one place.

  • Balance sheet, income statement & trial balance
  • Daily transactions & loan portfolio
  • Savings, inventory & sales summaries
  • Full activity/audit log

Backup, Branding & Licensing

Your society's records, protected — and looking like your society, not ours.

  • Local backup & Google Drive cloud backup
  • Selective restore, scheduled reminders
  • Custom cooperative logo & branding on reports
  • Device-bound licensing

Screenshots

CFM's member, loan, and reporting screens.

🖨️Printable Member Statements
📊Dividend Distribution Reports
🔐Secure Local Data Storage
🖼️Member Photo ID Records
🎨Custom Logo & Branding
💻Runs on Low-Spec PCs
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