In production at COOPEANDE 5 R.L.

The corporate ERP for cooperatives and solidarity associations

Members, savings, loans, tellers, store, treasury, NIIF accounting, and payroll in one system, with a self-service portal so each member handles their requests online, and regulatory reporting ready for SUGEF and INFOCOOP.

Member 360°
Member Portal
NIIF accounting
SUGEF and INFOCOOP reporting

Request a demo

What it looks like

Screens from the system with sample data. Tap or click one to see it full size.

Credit line configurator for a sample cooperative showing each line's interest rate, maximum term, allowed collateral and approval ranges by amount — Credit lines with rate, term, collateral and approval levels

Account statement in the member portal with net position, contributions against debt, share capital, available savings and each savings account of a sample member — Member portal: net position, share capital and savings

Enlarge

Member mall with items by category and brand

Member portal cart with two items, pickup or delivery options and payment by payroll deduction or a credit request — Member cart paid by payroll deduction or on credit

Partner-store point of sale with items on display, stock and warranty, and the sales terminal with payment methods such as internal credit and pending deposits — Partner-store point of sale with electronic invoicing and warranties

Accounts-per-operation setup with the accounting configuration status and the debit and credit accounts for each savings operation — IFRS accounting: the ledger account behind each operation

Payroll deduction remittance to the Ministry of Education with its deduction rules and the credit, mandatory savings, share capital and solidarity fund amounts of each sample member — Payroll deductions by employer, such as the Ministry of Education

Modules on a single database, from the member's file to the financial statements

Requests members handle on their own from the Self-Service Portal

Roles with per-screen permissions, from teller to Management and the Board

NIIF 9

Loan portfolio impairment estimate and accounting under NIIF (IFRS)

Built for how a savings and credit cooperative actually runs

Every teller, loan, savings, store, or payroll movement generates its journal entry instantly, with the account configured for that operation — no re-typing and no hand-written accounts.

Member 360°

One digital file per member: onboarding, savings, loans, account statements, and portal access in a single view.

Members serve themselves

Account statement, loan applications, store purchases, savings, withdrawals, and resignation from the portal; staff resolve each request in an internal inbox.

Regulatory compliance

SUGEF portfolio report, exports for INFOCOOP, Equifax, and the Credit Information Center, and automatic interest suspension at 90 days past due.

The books build themselves

A single double-entry engine for banking, tellers, loans, store, savings, and payroll that checks every entry balances before posting it.

Features

Members and Self-Service Portal

The member's file and their online requests

Member 360°: a single digital file and new-member onboarding
Per-member account statements with savings and loans, printable as PDF
Member Portal with its own login, separate from the internal system
Loan applications and loan history from the portal
Opening and editing savings accounts, and withdrawal requests
Resignation requests and an internal inbox to resolve every request

Savings and CDs

Savings accounts and fixed-term deposits

Savings accounts and fixed-term deposit certificates (CDP)
Automatic monthly close of savings and CDs
Withdrawals that respect share capital and the solidarity fund

Loans and collections

From simulation to portfolio close

Loan simulation and origination with an approval workflow
Amortization schedule, payments, and current portfolio lookup
Refinancing: unification and consolidation of active loans
Configuration of loan types, collection types, fees, and disbursement
Collections management and an automatic portfolio close every night
Interest suspension at 90 days past due, reversing the accrued income
Contracts, promissory notes, and loan applications from editable templates

Regulatory reporting

What regulators ask for, ready to export

SUGEF loan portfolio report
Exports for INFOCOOP and Equifax
SUGEF Credit Information Center (CIC/CICOC)
Loan portfolio impairment estimate under NIIF 9 (IFRS 9)

Tellers, store, and treasury

Teller window, online member store, and banking

Teller window with cash count, reconciliation, and cash close
Member store: sales, customers, warranties, and inventory
Online store for members from the portal, with delivery in the Greater Metropolitan Area
Sales reports by period, product, and cashier
Treasury: bank accounts, suppliers, accounts payable and receivable
US dollar exchange rate updated daily from the Tax Authority, with history

NIIF accounting and the Tax Authority

Complete financial statements and tax filings

NIIF general journal with chart of accounts and accounts configured per operation
SINPE bank reconciliation and deposits pending application
Fixed assets with acquisition, monthly depreciation, and disposal
Balance sheet, income statement, changes in equity, cash flow, and notes to the financial statements
Year-end close with distribution of surplus to reserves
D-104 VAT, D-101 income tax, and deferred tax
Electronic invoicing v4.4 signed and transmitted directly to the Tax Authority

Human Resources and Payroll

The organization's own payroll and members' deductions

Internal payroll and staff deductions
Member payroll deductions with remittance to MEP, CCSS, and OIJ
HR documents, such as the employment contract, from templates

Governance and control

What Management and the Board need to see

Business Intelligence with indicators for the Board of Directors
Audit control and traceability of every operation
Per-screen roles and permissions: Management, Head of Credit, Head of Accounting, Head of HR, and more
Outbox with the emails and WhatsApp messages sent by each module
User manuals built into the system

Ready to see it in action?

Request a demo