Your first day: the checklist

Work down this list once. Each line links to the guide that shows the screens.

Before the first member

1. Open the SACCO settings: name, contacts, share value, joining and loan rules.
2. Create your branches and member categories.
3. Review the savings products and the loan products: rates, limits, fees.
4. Review the charge types: joining fee, passbook, fines.
5. Check the journals and accounts.
6. Add your staff with the role for each job.

The first member, end to end

1. Register a member with ID, photo and next of kin.
2. Approve and activate the member.
3. Sell the first shares.
4. Open a savings account and take a deposit.
5. Give the member portal access.
6. Take a loan application, add guarantors, take it through review and committee and disburse it.
7. Record a repayment.
8. Print the statement and hand it to the member.

Every day after that

When	Who	What
Morning	Manager	Read the dashboard: what waits for approval, which loans fell due.
All day	Front office	Take deposits and pay withdrawals, register applicants.
All day	Manager	Approve members and withdrawals.
All day	Loans	Applications, repayments, arrears follow-up.
Every day	Accountant	Confirm the Co-op Bank payments waiting for review.
Month end	Accountant	Post interest, bill monthly fees, print the portfolio reports.