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: 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
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