SACCO Data Model & Relational Schema Architecture

1. Overview & Business Value#

This comprehensive operational guide details the architecture, business workflows, configuration parameters, and execution steps for SACCO Data Model & Relational Schema Architecture within SmartERP.

Technical specifications of database models, foreign key relationships, constraints, and relational schemas governing SmartERP SACCO.

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2. Prerequisites & Security Access Groups#

• Required Modules: smarterp_sacco_core, smarterp_equb, smarterp_loan_management
• Security Groups:
  • SACCO Loan Officer (Technical ID: smarterp_sacco.group_sacco_officer)
  • SACCO Credit Committee Member (Technical ID: smarterp_sacco.group_sacco_committee)
  • SACCO General Manager (Technical ID: smarterp_sacco.group_sacco_manager)
• Master Data Dependencies: Member KYC profiles, share capital registers, savings product tiers, loan products with reducing-balance schedules, and Equb rotational pool configurations.

3. Step-by-Step Configuration & Execution#

Step 1: Navigating to the Module Interface#

1. Log into your SmartERP instance at https://smarterp.et/odoo.
2. Open the main App Switcher (grid icon in the top-left corner).
3. Select the SACCO & Equb app icon.
4. From the top navigation bar, open SACCO & Equb → Members → KYC Registry / Savings Accounts / Loan Applications / Equb Pools.

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Step 2: Creating and Parameterizing Records#

1. Click the New button in the top-left control panel.
2. Complete the mandatory fields in the record form:
   • Member Identification Number (Mandatory): Unique membership number complying with Ethiopian Cooperative Commission rules
   • Full Name & Kebele ID (Mandatory): Verified member identity with physical residence verification
   • Share Capital Subscriptions (Mandatory): Subscribed shares not exceeding statutory 10% member ceiling (Proclamation 985/2016)
   • Primary Savings Product (Mandatory): Compulsory regular monthly savings account configuration
3. Configure optional operational parameters and localized tags as required:
   • Guarantor & Collateral (Optional): Approved co-signers with locked savings accounts or registered vehicle/property lien
   • Equb Rotational Group (Optional): Linked digital Equb pool with lottery draw eligibility
   • Beneficiary Nominee (Optional): Designated next of kin for death or disability benefit transfer
4. Click the Save icon in the control bar to commit the record.

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Step 3: Validating and Processing Transactions#

• State Transitions: Execute operational state progression (Application → KYC Verified → Approved → Active / Disbursed → Delinquency Monitored → Settled).
• Ledger & System Impact: Loan disbursement debits loans receivable and credits cash/bank; loan repayments credit interest income and loan principal, updating 5-tier NBE provisioning registers.
• Audit Verification: Automated recording of author ID, timestamp, and immutable revision history.

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Relational Entity Architecture#

SmartERP SACCO connects member master profiles, share capital registers, savings passbooks, loan amortization lines, and general ledger accounts into an ACID-compliant schema:

[sacco-data-model]

Core Model Specifications#

1. Member Profile: sacco.member#

Maintains cooperative membership master:

• name (Char): Full member name.
• member_no (Char, unique, index): Unique ID (MBR-YYYY-NNNNN).
• national_id (Char, index): Ethiopian National / Kebele ID number.
• partner_id (Many2one -> res.partner): Financial accounting entity.
• share_count (Integer), share_capital_amount (Monetary).
• savings_balance (Monetary, computed), loan_balance (Monetary, computed).
• state (Selection): draft, active, dormant, resigned, expelled.

2. Savings Passbook: sacco.savings.account#

Governs member deposit accounts:

• member_id (Many2one -> sacco.member, ondelete="restrict").
• account_number (Char, unique, index): Passbook number.
• account_type (Selection): mandatory, voluntary, fixed_term.
• balance (Monetary, computed): Available unencumbered balance.
• locked_collateral (Monetary): Amount pledged for loans or guarantees.
• interest_rate (Float), daily_accrued_interest (Float).

3. Credit Facility: sacco.loan.application#

Manages credit appraisal, approval, and schedules:

• member_id (Many2one -> sacco.member).
• loan_product_id (Many2one -> sacco.loan.product).
• principal_amount (Monetary), tenure_months (Integer).
• interest_method (Selection): reducing, flat.
• dpd (Integer, computed): Days past due.
• nbe_tier (Selection): pass, special_mention, substandard, doubtful, loss.
• provision_amount (Monetary, computed): Required statutory impairment.
• schedule_ids (One2many -> sacco.loan.schedule): Amortization breakdown.

4. Digital Equb Pool: sacco.equb.pool#

Coordinates rotational savings rounds:

• name (Char), cycle_number (Integer).
• contribution_amount (Monetary), total_shares (Integer).
• round_ids (One2many -> sacco.equb.round).
• winner_ids (Many2many -> sacco.member).

5. Dividend Distribution: sacco.dividend.distribution#

Executes annual surplus allocation:

• fiscal_year_id (Many2one -> account.fiscal.year).
• net_surplus (Monetary), distributable_amount (Monetary).
• wht_rate (Float, default=0.05): 5% Withholding Tax.

4. Advanced Configuration Points#

• Automated Actions & Scheduled Tasks (Crons):
  • SACCO: Accrue monthly member savings interest (smarterp_sacco.ir_cron_savings_interest): Runs on the final day of each calendar month to credit interest
  • Loan: Evaluate 5-tier NBE delinquency classification (smarterp_sacco.ir_cron_loan_delinquency): Runs nightly to compute loan loss provisions per NBE directives
  • Equb: Execute scheduled lottery draw (smarterp_sacco.ir_cron_equb_draw): Runs on defined pool cycle dates using provably fair random selection
• Custom Print Templates & Reports:
  • Member Savings Passbook & Transaction Ledger
  • Loan Amortization Schedule (Reducing Balance)
  • NBE 5-Tier Delinquency & Loan Loss Provisioning Statement
  • Annual Patronage Dividend Distribution Schedule
• Multi-Company Rules: Record-level security isolation under Company 1 (Ashewa Technology Solutions S.C.), preventing cross-company ledger leakage across parent and subsidiary legal entities.

5. Comprehensive Troubleshooting Matrix#