CoSys is an ideal for Co-Operative & Micro Finance institute/companies to manage packages for deposit, loan, share, fixed assets, accounts & etc.. CoSys combines best features of an entriprise grade CMMS at an economical value proposition for its best features and functionalities especially designed for Co-Operative & Micro Finance in Nepal.

CoSys Co-Operative Management System -
Available in 3 Packages(Lite, Economy, & Advanced Package) :

Modules of CoSys Co-Operative Management System
	Master & Security Module
	Member Registration & Photo, Signature Module
	Savings & Deposit Module
	Loan Module
	Share Module
	Total Financial Accounts Module
	PEARLS, NRB & SEEP Format
	Personnel Management System
	Payroll Management System
	Fixed Asset Module
	Dairy Management System
	Store/Inventory Module
	SMS Banking Module
	E-Banking Module

Other Features of CoSys Co-Operative Management System
	Dual Calendar (Nepali & English)
	Dual Language (Nepali & English)
	Fully Web Based System
	Easy to handle & User Friendly
	Biometric System for Collection/Balance
	more......

PEARLS Monitoring System - Total 44 quantitative financial indicators
	P - Protection [6 indicators]
	E - Effective Financial Structure [9 indicators]
	A - Asset Quality [3 indicators]
	R - Rates of Return And Costs [12 indicators]
	L - Liquidity [3 indicators]
	S - Signs of Growth [11 indicators]

SEEP (Small Enterprise Education Promotion)
	I - Income Statement
	B - Balance Sheet
	C - Cash Flow Statement
	P - Portfolio Report & Activity Report
	R - Ratios
	A - Adjustments
	N - Non - Financial Data Report

CoSys Co-Operative Management System Features

• User Friendly Interface
• Multi Language System (Nepali & English)
• Web Based Application
• Easy and Effective Controls for Effective Analysis and Report
• Five Level of Ledgers and Subsidiary Management
• Dairy and Consumer Cooperative Intergraded
• Personal Management and Pay Roll System
• Biometric system upgradeable
• Micro Finance Related key Ratios and Formats
• Aging of Loans
• Loan Analysis in different ways
• Loan Appraisal and Management
• Lock System Granters’ Savings and Sharer Accounts
• Unlimited Savings and Loan account for each clients/Members
• Able to work in groups and individual
• Computable to Grameen Replicator
• Design of Customized Report Easily
• Compatible to International Software
• Useful Features of PEARLS, SEEP, NRB Format
• Multiple computer user compatibility (255 PC)

Deposit/Savings Account

• Savings Account
• Current Account
• Fixed Deposit Account
• Term Deposits Account
• Recurring/Periodic Deposits Account (Daily/Weekly/Monthly/User Wise)
• Daily Deposit Account
• Monthly Deposit Account
• Co-Operative Wise Special Deposit Account
• Other Deposit Account
• Interest Calculation on Monthly Minimum Balance/Daily Balance/Term Wise.

Loans and Advances

• Term Loan
• Diminishing Loan Calculation
• Loan against Mortgage
• Cash, Bank, Credit & Overdraft Loan
• EPI, EMI & Flat Calculation
• Loan Penalty Calculation
• Loan Collateral
• Individual Guranteer, Group Guranteer, Fixed Deposit/Savings Account Guaranteer, Share Guranteer
• Loan Provision Calculation
• Loan Defaulter Alert
• Loan Principle Paid After Each Calculation
• Loan Principle Paid After Calculation

Investments by Finance Institution

• Call Deposits with Other Banks/Co-Operatives
• Fixed Deposits with Other Banks/Co-Operatives
• Investment in Securities, Shares
• Other Investments

Borrowings from Donors

• Govt. Agencies
• Other Financial Institutions
• Others (Donors are configurable)

Financial Accounting Ledgers & Books

• General Ledgers
• Account Ledgers
• Individual Ledgers
• Income & Expenditure Ledgers
• Interest Payable/Receivable
• Suspense Accounts Ledger
• Cash Book
• Bank Book
• Trial Balance
• Char Khata
• P/L Accounts
• Balance Sheet

Utilities/Tools

• Interest Calculation on Loan & Advances/ Deposits & Savings.
• Ready reckoner for Maturity Values of Deposits
• Ready reckoner for Loans Equated Installment Calculation
• Lien Marking of Deposit Accounts against Loan
• Standing Instructions Execution
• Approval Process for Accounts & Transactions
• Database Backup Scheduler and Automatic Backups
• Database Restore
• Individual User Wise Security Configuration
• Accounts Day Open/Close
• Teller Cash From Vault
• Teller Cash To Vault

Daily/Periodic Reports & Statements

• Deposit Statement
• Loan Statement
• Cash Book
• Bank Book
• Daily Journal / Day Book / Daily Income / Daily Expense
• Trial Balance
• P & L Statement
• Balance Sheet
• Various Accounts/Individual Statements

User Administration (For Multi-User version only)

• User creation
• Roles creation
• Assigning privileges to various roles
• Assigning the roles to the users and defining
• Various rights given to the user

Member Registration

• Three Generation
• Address/Phone No/Mobile No/DOB/eMail
• Caste/Zone/District/VDC/Sex/Age
• Nominee Details
• Photograph/Signature/Identity/Nomiee Photograph/Signature

Group Transaction Processing
The software is able to handle Group Transactions, which would occur when the group representative/accountant would come to the office to make monthly payments and deposits. These transactions is dual-verifiable - when the transaction is recorded it should be clear to both the office and the client that the correct information has been recorded. For this reason appropriate visual feedback is very important. These are the following kinds of transactions that must be processed:

• Process Savings Deposit/Withdrawal
• Collect Loan Principal Repayment
• Collect Loan Interest Repayment
• Reschedule Loan Payment
• Pay One-Time Equity Deposit
• Disburse a Loan
• Record Comment/Note

For each transaction, the following data at least should be recorded:

• Transaction Type
• Transaction Date
• Scheduled Date
• Amount
• Debit/Credit

Reporting (Extra)
The system generates an appropriate range of reports. It shows the output of Reports into an electronic format that can be printed, delivered or stored, and is accessible from variety of system platforms. Excel or PDF, etc could be a good choice. Here are a list of example/important reports that could be generated:

• Reports for External Agencies
• Daily Collection Report
• Daily Expense Report
• Daily Transaction Report
• Daily Collector Report
• Daily, Weekly, Monthly, Quarterly, Annual Financial Statements
• Audit Trail
• Customer Balances, Histories, Deposit Statements, Queries
• Loan Issue, Loan Defaulter, Loan Statements, Loan Aging, Loan Payment
• Product Wise Report
• Caste Wise Report
• District Wise Report
• Zone Wise Report
• Age Wise Report
• Saving Wise Analysis Report
• Loan Wise Analysis Report
• Share Wise Analysis Report
• Portfolio Report
• Other Reports

eBanking System
Welcome to a new way to visit the co-operative through online internet.
Internet banking takes a quantum leap with CoSys Management System. A unique interactive experience, this is a first for any co-operative website in Nepal. The customer/member can view their deposit or withdraw cash, apply for opening of savings/deposits and conduct many more real online transactions through eBanking. Take a leisurely tour and enjoy the warmth of our virtual staff without getting away from your desktop. Online banking or Internet banking, allows customers to conduct financial transactions on a secure website operated by their retail or virtual co-operatives, credit union or building society. Online banking offers features such as: bank statements, loan schedule details, funds transfer, loan applications and transactions and account aggregation that allows users to monitor all of their accounts in one place. It is widely recognised that online banking provides more revenue per customer and costs less per transaction than any other e-banking channel.

SMS Banking
SMS banking is a technology-enabled service permitting co-operatives to operate selected services over the customers mobile phone using SMS messaging. SMS services are operated using both Push and Pull messages. SMS messages are those that are initiated by the customer, using a mobile phone, for obtaining information or performing a transaction in the bank account. Examples of SMS messages for information include an account balance enquiry, or requests for current information like loan due date and deposit interest rates, etc. The co-operatives customer is empowered with the capability to select the list of activities (or alerts), that he/she needs to be informed. This functionality to choose activities can be done either by integrating to the Internet Banking channel or through the co-operative’s customer service call centre. SMS - Type CoSys and send to 3030.