Quick Start: 15-Minute Member Onboarding & Loan Issue

1. Overview & Business Value#

This comprehensive operational guide details the architecture, business workflows, configuration parameters, and execution steps for Quick Start: 15-Minute Member Onboarding & Loan Issue within SmartERP.

Step-by-step walkthrough of onboarding a member, opening savings passbooks, applying for a credit facility, and approving disbursement.

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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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Objective & Prerequisites#

This guide demonstrates onboarding a cooperative member and issuing a micro-credit facility in under 15 minutes:

1. Register a new member and record KYC verification.
2. Issue mandatory share capital and open savings passbooks.
3. Deposit monthly savings via cash or Telebirr.
4. Process a loan application applying the 3x savings collateral rule.
5. Approve and disburse the loan to the member's account.

Prerequisites: Administrative credentials with Branch Officer and Credit Committee roles.

Step 1: Register Member Profile (3 Minutes)#

1. Navigate to SACCO > Members > Member Registry and click New.
2. Enter personal demographics:
   • Full Name: Abebe Kebede Tadesse
   • Gender: Male | Date of Birth: 1988-06-12
   • National ID / Kebele Card Number: ADD-BOLE-04-9982
   • Common Bond / Employer: Ethio Telecom Staff SACCO
   • Phone: +251 91 234 5678
3. In the Nominee Beneficiary tab, add primary beneficiary (Spouse: Marta Desta, Share: 100%).
4. Click Confirm & Register Member. The system issues Member Number MBR-2026-00412.

Step 2: Issue Shares & Open Savings Passbook (3 Minutes)#

1. In the member record, click Subscribe Share Capital:
   • Number of Shares: 20 Shares @ 100.00 ETB per share = 2,000.00 ETB.
   • Registration Fee: 200.00 ETB (Non-refundable).
2. Click Open Mandatory Savings Passbook:
   • System auto-generates Passbook Number SB-00412-REG.
   • Set monthly mandatory commitment: 1,000.00 ETB / Month.
3. Post the initial cash receipt of 3,200.00 ETB (Shares + Registration + Initial Savings).

Step 3: Deposit Additional Savings (2 Minutes)#

1. Open SACCO > Savings > Deposits & Withdrawals and click New.
2. Select Member: Abebe Kebede Tadesse.
3. Enter Deposit Amount: 15,000.00 ETB.
4. Payment Method: Telebirr Corporate Webhook.
5. Click Post Deposit:
   • Member's cumulative mandatory savings balance reaches 16,000.00 ETB.

Step 4: Submit Loan Application with 3x Rule (4 Minutes)#

1. Navigate to SACCO > Loans > Loan Applications and click New.
2. Select Member: Abebe Kebede Tadesse.
3. Choose Loan Product: Standard Business Credit (12% Diminishing).
4. The system calculates maximum allowable borrowing: $$\text{Max Loan Ceiling} = 3 \times \text{Savings Balance} = 3 \times 16,000.00 = 48,000.00\, \text{ETB}$$
5. Enter requested amount: 45,000.00 ETB over 12 Months.
6. Add peer guarantor: Member Tirhas Hailu (MBR-2026-00108) who pledges 30,000.00 ETB of her unencumbered savings.
7. Click Submit for Appraisal.

Step 5: Committee Approval & Disbursement (3 Minutes)#

1. The Credit Officer reviews the appraisal report and clicks Recommend Approval.
2. The Branch Manager opens Credit Committee Approvals and clicks Final Approval.
3. Click Disburse Loan:
   • Select disbursement channel: Telebirr Bulk Payout API.
   • The system initiates the mobile money transfer of 45,000.00 ETB directly to the member's registered phone.
   • Generates the 12-month amortization repayment schedule with first installment due on the 30th of next month.

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#