SACCO operations platform overview

SmartERP SACCO Operations (smarterp_sacco) is a specialized cooperative banking platform designed for Ethiopian Savings and Credit Cooperatives (የብድርና ቁጠባ የህብረት ሥራ ማህበራት). Tailored to the statutory governance requirements of the Federal Cooperative Agency (FCA) and the National Bank of Ethiopia, it unifies member share capital, savings passbook accounts, credit facilities, collateral management, and delinquent debt recovery.

Platform architecture#

• Member Master & KYC: Authoritative registry of cooperative members with Ethiopian National ID (Fayda/Kebele), employment details, beneficiary designations, and share certificates (smart_share_management).
• Savings & Passbook Products: Mandatory monthly member savings, voluntary demand deposits, and fixed-term deposit contracts with automated monthly interest accrual.
• Credit Underwriting Engine: Configurable loan products (Emergency, Business, Housing, Agricultural) with savings multiplier eligibility rules and peer guarantor liability gates.
• Delinquency Severity Hierarchy: 5-tier delinquency tracking (On Track, Watch, Substandard, Doubtful, Loss) calculating Maximum Days Past Due (MDPD) and automated loan loss provisioning.
• Financial Clearing Reconciliation: Batch reconciliation of member payroll deductions, CBE direct bank credits, and Telebirr mobile deposits with discrepancy resolution queues.
• SACCO AI Copilot: Specialized conversational AI agent (Agent 18) providing instant member credit scoring, portfolio risk summaries, and regulatory compliance briefings.