Welcome
Side Savers Group · Aug 2025 – Jul 2026
Total Members
10
Active
Total Savings
K 289,500
Cumulative
Outstanding Loans
K 301,918
Receivable
Interest Earned
K 109,518
Compound (year)
Next Month Interest
K 0
10% / month on all loans
Pending Approvals
0
Awaiting treasurer
Member Savings Overview Current
| Member | Savings | Outstanding | Next Int. Due (10%/mo) | Status |
|---|
Monthly Savings Trend
Recent Receipts
Executive & Committee
Group leadership and member profiles
Executive Committee
All Member Profiles
Members Directory
Performance summary – all members
Performance Summary (Aug 2025 – Jul 2026)
| # | Member | Role | Saved | Eligibility | Loans Taken | Repaid | Outstanding | Next Int. (10%/mo) | Net Pos. |
|---|
Interest Schedule
Monthly interest payable at 10% per month on outstanding loan balances
💹 Interest is charged at 10% per month (flat rate) on each member's outstanding loan balance. This shows what is due next month.
Next Month Interest Payable – All Members
| # | Member | Role | Outstanding Loan (ZMW) | Rate | Interest Due Next Month | Interest (3 Months) | Interest (12 Months) |
|---|
Interest Projection – 12 Month Rolling View
(assumes no repayments – interest on static balance at 10%/month)
| Member |
|---|
Group Reports
Annual financials – visible to all members
Total Income
K 609,358
Annual
Contributions
K 310,500
Savings + fees
Loan Interest
K 92,483
Received
Loans Disbursed
K 537,935
Aug–Mar 2026
Monthly Performance
| Month | Savings | Interest | Cumulative | Disbursed | Outstanding |
|---|---|---|---|---|---|
| Aug 25 | 32,500 | 0 | 32,500 | 32,500 | 32,500 |
| Sep 25 | 23,000 | 3,250 | 55,500 | 44,428 | 62,428 |
| Oct 25 | 27,750 | 5,550 | 83,250 | 57,000 | 99,262 |
| Nov 25 | 37,750 | 8,325 | 121,000 | 67,800 | 144,980 |
| Dec 25 | 37,000 | 12,100 | 158,000 | 72,500 | 197,750 |
| Jan 26 | 28,000 | 15,800 | 186,000 | 69,030 | 248,465 |
| Feb 26 | 83,500 | 18,600 | 269,500 | 169,677 | 358,661 |
| Mar 26 | 20,000 | 26,950 | 289,500 | 25,000 | 301,918 |
| Apr 26 | 0 | 28,950 | 289,500 | 0 | 301,918 |
| May 26 | 0 | 28,950 | 289,500 | 0 | 301,918 |
| Jun 26 | 0 | 28,950 | 289,500 | 0 | 301,918 |
| Jul 26 | 0 | 28,950 | 289,500 | 0 | 301,918 |
| TOTAL | 289,500 | 206,375 | 537,935 |
Balance Sheet – Jul 31, 2026
Assets
Bank BalanceK 1,116
Member SavingsK 289,500
Compound InterestK 109,518
Membership FeesK 2,500
Birthday FundK 11,050
Social FundK 7,450
Total Current AssetsK 420,018
Outstanding LoansK 301,918
TOTAL ASSETSK 721,935
Members' Equity
Opening EquityK 37,000
TOTAL EQUITYK 721,935
Annual P&L
| Line Item | Aug | Sep | Oct | Nov | Dec | Jan | Feb | Mar | Apr 26 | May 26 | Jun 26 | Jul 26 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ▶ INCOME | |||||||||||||
| Member Savings | 32,500 | 23,000 | 27,750 | 37,750 | 37,000 | 28,000 | 83,500 | 20,000 | 0 | 0 | 0 | 0 | 289,500 |
| Membership Fees | 2,000 | 250 | 250 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,500 |
| Birthday Fund | 1,200 | 1,350 | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | 1,000 | 0 | 0 | 0 | 0 | 11,050 |
| Social Fund | 800 | 900 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 750 | 0 | 0 | 0 | 0 | 7,450 |
| Loan Interest | 0 | 0 | 6,243 | 6,243 | 14,498 | 19,775 | 20,697 | 25,028 | 0 | 0 | 0 | 0 | 92,483 |
| Compound Interest on Savings | 0 | 3,250 | 5,550 | 8,325 | 12,100 | 15,800 | 18,600 | 26,950 | 28,950 | 28,950 | 28,950 | 28,950 | 206,375 |
| TOTAL INCOME | 36,500 | 28,750 | 42,293 | 54,818 | 66,098 | 66,075 | 125,297 | 73,728 | 28,950 | 28,950 | 28,950 | 28,950 | 609,358 |
| ▶ OUTFLOWS | |||||||||||||
| Loans Disbursed | 32,500 | 44,428 | 57,000 | 67,800 | 72,500 | 69,030 | 169,677 | 25,000 | 0 | 0 | 0 | 0 | 537,935 |
Transactions
Submit deposits and loan repayments for treasurer verification
💰 Deposit / Contributions
🔄 Loan Repayment
New Deposit Entry
Standard Monthly Guidelines
Contributions
• Membership Fee: K250 (first month only)
• Birthday Contribution: K150
• Social Fund: K100
• Savings: Variable (min K500)
Process
1. Complete & submit this form
2. Treasurer verifies and approves
3. Official receipt issued to you
4. Recorded in your savings statement
• Membership Fee: K250 (first month only)
• Birthday Contribution: K150
• Social Fund: K100
• Savings: Variable (min K500)
Process
1. Complete & submit this form
2. Treasurer verifies and approves
3. Official receipt issued to you
4. Recorded in your savings statement
Deposit Preview
Fill form to preview
Disburse Loan
Treasurer: post and approve a new loan to a member
🔐 Only the Treasurer can disburse loans. A receipt and updated loan statement are generated immediately.
New Loan Disbursement
Eligibility Checker
Select a member to check eligibility.
Rules:
• Maximum = 4× cumulative savings
• Rate: 10% per month (flat rate)
• Interest charged on outstanding balance
• Must be in good standing
Rules:
• Maximum = 4× cumulative savings
• Rate: 10% per month (flat rate)
• Interest charged on outstanding balance
• Must be in good standing
Repayment Schedule
Enter loan details
Savings Statement
Monthly savings and interest history
📊
Select a member
Loan Statement
Complete loan history with interest schedule
📄
Select a member
Post Monthly Interest
Treasurer: record savings interest earned for each member — adds to their cumulative total
🔐 Only the Treasurer can post interest. Each posting adds to the member's monthly interest and total interest earned in the savings statement.
Post Interest Entry
Enter manually or use the auto-suggested amount above
All Members – Interest Due Jul 26
| Member | Savings | Already Posted | Auto-Suggest | Action |
|---|
Interest Posting History
No interest postings yet
Group Expenses
Treasurer: record all group expenditure with receipt attachments
🔐 Treasurer only. Expenses reduce the group's cash position and appear in the P&L report.
Post New Expense
📎 Click to attach receipt (image or PDF, max 2MB)
Summary
By Category
Expense Ledger
🧾
No expenses recorded yet
Bank Deposits
Treasurer: record monthly deposits taken to the bank — auto-aggregated from member contributions
🏦 After collecting from all members each month, record the total amount banked here and attach the bank slip.
Record Monthly Bank Deposit
💡 Auto-Calculated from Member Deposits for This Month
Select a month above to see breakdown
Breakdown (edit if needed):
📎 Click to attach bank deposit slip
Monthly Bank Reconciliation
| Month | Total Banked | Savings | Other Funds | Bank Ref | Date | Slip |
|---|---|---|---|---|---|---|
No bank deposits yet | ||||||
⚠️ Months Not Yet Banked
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Annual Bank Summary
No data yet
Compound Interest
Treasurer: accrue savings interest on cumulative member balances
Post Compound Interest Entry
Member Savings Details
Select a member to load details.
Calculated Interest
Fill in details above
All Members — Jul 26
| Member | Cum. Savings | Already Posted | Calculated | Action |
|---|
Compound Interest History
No entries yet
Reverse Transactions
Treasurer: reverse incorrect transactions — the affected member is notified automatically
⚠️ Reversals adjust balances immediately, create an audit trail, and send the member an in-app notification with your reason.
Select Transaction to Reverse
↩️
No transactions found
Reversal Audit Trail
No reversals yet
Notifications
Messages and alerts about your account
🔔
No notifications yet
Verify & Approve
Treasurer: review and approve submitted entries
🔐 Treasurer mode. Approvals generate official receipts and update balances.
Deposits 0
Repayments 0
💰
No pending deposits
Edit Entries
Treasurer: edit any member record or transaction
⚠️ Changes take effect immediately and update all statements.
Members
Balances
Transaction Log
Member Directory
| Name | Role | Phone | Status | Actions |
|---|
Official Receipt
Treasurer-verified transaction
Group Settings
Manage branding, group info and PINs
Group Logo
Click to upload logo
PNG or JPG, square preferred
Group Information
🧮
Treasurer Only
Interest & Penalty Formula Editor
All changes are logged. Live preview updates instantly.
⚠️ Changes to these formulas affect all future interest calculations, loan disbursement schedules and repayment amounts. Existing approved receipts are not retroactively changed.
📋 Loan Interest
Formula: Interest = Balance × 10%
💰 Savings Interest
Formula: Interest = Balance × 0.4167%/month (compound)
🏦 Loan Eligibility
Max Loan = Savings × 4
⚠️ Penalty & Late Fees
No penalty currently applied
🔬 Live Formula Tester — enter any amount to preview
Enter amounts above to see the formula in action.
Member PINs
| Member | New PIN | Action |
|---|
My Profile
View your account details and change your PIN
Account Information
AP
—
Member
Occupation—
Phone—
Status—
Cumulative Savings—
Outstanding Loan—
Next Month Interest (10%/month)—
Loan Eligibility—
Interest Earned—
Change My PIN
🔒 Your PIN keeps your account secure. Choose something memorable but not obvious. Minimum 4 characters.
Update My Contact Details