Smart Financial Management System
Teller, offline daily collection, loans from application to recovery, accounting and mobile money, in one tool carrying your brand. Built in Douala for the CEMAC and WAEMU zones.
NGO BASSA Marie
EP-000042 · Central Market
TCHOUPO Alain
EP-000057 · Ndokoti
MBALLA Rose
EP-000061 · PK14
Daily deposit
2 000 F|
Receipt C1-000142
NGO BASSA Marie · 2 000 F
CREDITLOCALSMS
Deposit of 2,000 F received on EP-000042. New balance: 48,500 F. Thank you.
Every module speaks your institution’s language, and every setting lives on your own screens.
Deposits, withdrawals, printed receipts, signed cash counts, collector hand-overs and transfers to the vault.
An app for your collectors that works without network. Every member gets a text message for each deposit.
Application, committee, rate authorisations, disbursement, schedule, penalties, past due and provisions.
Double entry, editable chart of accounts, monthly closing, year-end, balance sheet, income statement and board report.
Orange Money and MTN MoMo linked to members’ accounts, plus a counter for transfers and bill payments.
Sign-up at the branch or in the field, shares, term deposits, and a space where each member checks their accounts.
No entry can be changed or deleted, the database itself refuses it. Mistakes are fixed by a signed reversing entry.
One person, one account, one role. Deputising is time-limited, hand-overs are received by someone else, everything is logged.
Five wrong attempts lock an account. A deactivated agent loses access instantly, on every device.
Your staff and members see your logo and your brand, never ours.
A one-off setup fee, covering configuration, data migration and training, then a monthly subscription.
Launch price until 31 March 2027
FCFA 45,000per monthinstead of FCFA 65,000
Setup : FCFA 250,000 instead of FCFA 350,000
Launch price until 31 March 2027
FCFA 120,000per monthinstead of FCFA 175,000
Setup : FCFA 600,000 instead of FCFA 900,000
Launch price until 31 March 2027
FCFA 350,000per monthinstead of FCFA 450,000
Setup : FCFA 2,000,000 instead of FCFA 2,500,000
You describe your products, rates and organisation.
We set the software to your rules, not the other way round.
Your members, accounts and balances come in from a spreadsheet or your former software.
Each role learns its tasks on site, with your own data.
At the teller, yes, as with any online software. In the field, no: the collectors’ app records receipts without network and sends them as soon as the network is back, with no possible duplicate.
Yes. Members, accounts and balances come in from a spreadsheet or your former software’s export. The file is fully checked before anything is saved, and the import can be replayed without duplicates.
No. Monthly or yearly rates, ranges, penalties, shares, decision thresholds, past-due periods: everything is set on your own screens, and a signed contract keeps its terms even when you change your rates.
Each institution has its own sealed perimeter, the ledger cannot be edited, every action carries its author and exact time, and access locks after five wrong attempts.
Yes: trial balance, balance sheet, income statement and board report, drawn from the ledger and printable. COBAC regulatory reports are built with your accountant, following the templates you use.
A question, a demo, a quote: the Bikus Group team answers you.
Douala, Cameroon
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