Welcome
Side Savers · Aug 2025 – Jul 2026
Members
10
Total Savings
K 0
Outstanding
K 0
Interest Earned
K 0
Next Int.
K 0
Pending
0
📈 Monthly Savings Trend
Recent Receipts
🏢 Silstate Services
📊 Accounting
🏛️ Business Reg.
📋 Tax Compliance
💼 Payroll
💡 Consulting
💻 Software
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
Financial statements, ledger and performance
📊 Summary
🏦 Balance Sheet
📈 P&L
📒 Ledger
Monthly Performance
| Month | Savings | Funds (Mem+Bday+Soc+Pen) | Int.Received | Cum.Savings | Disbursed | Repaid | Expenses | Outstanding |
|---|
Transactions
Submit your monthly payment slip or request a loan
🧾 Payment Slip
🏦 Loan Request
Monthly Payment Slip
Savings and loan repayment combined into one slip.
💰 Savings Contributions
🔄 Loan Repayment (fill only if you have an active loan)
Deposit Preview
Fill form to preview
Outstanding Loans & Interest Due
| Member | Outstanding | Int. Due (10%/mo) | Status |
|---|
Repayment History
No repayments yet
📱 Mobile Money Payment Guide
🔴 Airtel Money — Dial *778# → Send Money → Enter number & amount
🟡 MTN Mobile Money — Dial *170# → Transfer Money → Enter number & amount
🟢 Zamtel Kwacha — Dial *422# → Send Money → Enter number & amount
📋 After sending, enter your transaction reference number in the Mobile Money Reference field above, then submit your slip.
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: post savings interest earned and loan interest charged for each member
🔐 Treasurer only. Post at the end of each month for all members.
💹 Savings Interest (Earned by Members)
💸 Loan Interest (Charged to Borrowers)
Post Savings Interest — Single Member
All Members — Savings Interest Due Jul 26
| Member | Savings | Base | Posted | Due | Action |
|---|
Savings Interest 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
Loading…
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