User Manual
1. Introduction
Welcome to the Cooperative Credit Union Web Application. This system streamlines operations from member registration and loan management to auditing and reporting. The manual provides role-based guidance with unique permissions to ensure integrity, security, and accountability.
2. User Roles & Permissions
Members with roles are added to the Administrators Group when created in the system.
- Admin: Member Management
- ITAdmin: System Configuration
- Manager: Opening Balances & Reports
- Audit: Audit Trail
- Accountant: Contributions, Loans, Withdrawals, Investments
- ApproveWithdrawals: Approve withdrawal requests
- ApproveLoans: Approve loan applications
3. Membership Type Policies
Membership types define rules for members:
- Loan limits & qualification periods
- Contribution minimums
- Withdrawal limits & fees
- Interest & processing fees
- Early repayment rules
- Automatic registration fees
4. General System Usage
- Login with your credentials
- Navigate using menu (role-based)
- Perform your assigned tasks
- System enforces cooperative rules automatically
- Always logout after use
5. Best Practices
- Verify accuracy before saving
- Never share login credentials
- Follow cooperative policies in approvals
- All actions are logged for audit
6. Support & Troubleshooting
- Login/System Access: ITAdmin
- Financial Discrepancies: Accountant or Manager
- Audit Queries: Audit Team
1. Who Can Access
Admins: Full access. Others: view-only.
2. Add a New Member
- Navigate to Administration → Member Management → Add Member
- Enter personal info, addresses, membership type, and beneficiaries/signatories
- Click Save. Registration fee will be flagged if unpaid.
3. Edit Member
Search member → Edit → Update details → Save.
4. View Member List
Shows member details, fee status, and actions (View/Edit/Manage).
5. Upload Members in Bulk
Upload Excel with Individual/Corporate sheets → progress bar → review success/fail counts.
1. Access
Members → apply; Approvers → approve; Accountants → disburse/record; Managers/Auditors → view.
2. Apply for Loan
Navigate to Member Services → Loan Applications → Apply → complete form with guarantors and fee options → Submit.
3. Track Loan Status
My Applications → View status, repayment schedule, guarantors.
4. Approve Loans
Pending List → Review details → Approve with remarks.
5. Disburse Loan
Disburse Loans → enter date, payment account, confirm fees → Confirm.
6. Repay Loan
Repay Loan → Select loan → enter amount, method → Confirm repayment.
7. Guarantor Recovery
If default: system splits recovery across guarantors.
1. Access
Members → request; Approvers → approve; Accountants → pay; Admins → request on behalf; Auditors → read-only.
2. Apply
Enter withdrawal amount/type → Submit → Pending until approved.
3. Edit Request
Members/Admins can update pending requests.
4. Track Requests
Applications list with filters, status, actions (Edit/Approve/Pay/Receipt).
5. Approve Request
Review request → Approve with remarks → Moves to Payment stage.
6. Process Payment
Accountants select approved request → process with fees → Confirm → Receipt generated.
7. Print Receipt
Locate paid withdrawal → Receipt 🧾.
4.1 Making Contributions (Member View)
Members can view their payments, print receipts, and check balances.
4.2 Receiving Contributions (Admin/Accountant)
Search member → Enter amount/date → System validates minimum → Save.
4.3 Contribution Reports
Admins/Executives generate payment reports, print receipts, and upload opening balances with Excel.
4.4 Key Notes
- Enforce minimum monthly contributions
- Only accountants can reverse transactions
- Use receipts as proof
- Admin: Member Management
- ITAdmin: System Configuration
- Manager: Reports & Opening Balances
- Audit: Audit Trail
- Accountant: Contributions, Loans, Withdrawals, Investments
- ApproveWithdrawals: Approve withdrawals
- ApproveLoans: Approve loans