Savings, loans, expenses, member portals and dividend management — all in one place. Built for how cooperatives actually work in Uganda and East Africa.
Track membership fees, monthly savings, welfare, shares and voluntary deposits per member. Real-time totals, contribution history and reminders.
Flat and reducing balance loans, automatic repayment schedules, overdue tracking and 2% monthly penalty calculation. Full NPL reporting.
Live cash-in-bank balance, capital gains pool, AGM dividend distribution, expense tracking and investment management — all reconciled automatically.
Each member logs in to see their own savings, loan balances, contribution history and download statements. Secure, mobile-first.
Treasurer → Finance Manager → Admin → Auditor. Every loan and member addition goes through a proper approval chain with full audit trail.
Professional loan agreements, payment receipts, member statements, share certificates and overdue penalty reports — generated instantly.
Get your own subdomain — yourname.pamojapay.co — and go live in days, not months.
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