Empower Your Co-operative & Credit Union with Bangla ERP
Manage members, savings, loans, installments, profit distribution, and accounting with ease. Bangla ERP gives co-operative organizations a reliable, all-in-one software solution to automate operations and ensure transparency.
Is your co-operative struggling with manual ledgers and complex loan tracking?
Move beyond paperwork. Bangla ERP gives you digital tools to manage everything from member records to installment schedules and profit sharing — all in one cloud system.
Key Features
Member registration & ID management
Easily register new members, assign unique member IDs, and maintain detailed member profiles with personal and contact information for efficient cooperative operations.
Key Features :
- Search & Filter: Easily find members using name, ID, or other filters.
- Member Onboarding: Quick registration of new members with complete information.
- Unique ID Assignment: Auto-generate or manually assign unique member IDs.
- Photo & Document Upload: Attach member photos and identity documents.
- Member Profile Management: Maintain detailed personal and contact information.
Savings and deposit tracking
Track members' savings and deposit accounts including regular savings, fixed deposits, and recurring deposits with automated balance updates, interest calculations, and transaction history.
Key Features:
- Transaction History: Full log of deposit and withdrawal transactions.
- Interest Calculation: Auto calculation of interest based on deposit type and tenure.
- Multiple Savings Types: Support for general savings, recurring deposits (DPS), and fixed deposits (FDR).
- Automated Balance Update: Real-time update of deposit balances after every transaction.
- Deposit Closure & Withdrawals: Support for partial/full withdrawals and account closure.
Loan application, approval, and EMI tracking
Streamline the loan lifecycle with digital application, multi-level approval, and automatic EMI tracking. Members can apply for loans, view approval status, and track installments with ease.
Key Features :
- Payment Alerts: Automated reminders for upcoming and missed installments.
- EMI Setup & Tracking: Auto-calculated EMI schedules based on tenure and interest.
- Loan Account History: Detailed log of disbursement, repayments, penalties, and waivers.
- Multi-Level Approval: Loan approval process includes officer and committee verification.
- Digital Loan Application: Members can apply for loans online or through the system portal.
Automatic profit share calculations
Easily calculate and distribute profit shares among members based on their savings, share capital, or defined rules—fully automated with detailed breakdowns and reports.
Key Features:
- Batch Distribution: Profit shares can be processed in bulk for efficiency.
- Member-Wise Breakdown: Each member receives a detailed breakdown of their share.
- Reports And Audit Logs: Get transparent reports for management and audits.
- Rule-Based Distribution: Profit is distributed according to defined rules like savings balance or share ratio.
- Automated Profit Share Calculation: System calculates profit share for all eligible members based on set criteria.
Installment schedule and late fee automation
Generate automated installment schedules for loans with system-calculated due dates and apply late fees as per rules for delayed payments—ensuring discipline and transparency.
Key Features :
- Due Date Tracking: Each installment is tracked with reminders for upcoming due dates.
- Custom Rules Support: Configure different late fee rules per loan type or product.
- Late Fee Calculation: Automatically applies late fees if payments are delayed.
- Transparency & Reporting: Provides detailed breakdowns and reports of scheduled vs. paid installments.
- Automated Installment Scheduling: System generates installment schedules based on loan amount and tenure.
Digital passbooks and transaction logs
Offer members real-time digital passbooks with complete transaction history for savings, deposits, and loans—ensuring transparency and easy financial tracking.
Key Features:
- Secure Access: Role-based access control ensures only authorized viewing of financial records.
- Automated Sync: Transactions update automatically after every deposit, withdrawal, or loan activity.
- Real-Time Digital Passbook: Members can access up-to-date digital passbooks from mobile or web.
- Complete Transaction History: View savings, deposits, loans, and interest transactions in one place.
- Downloadable & Printable Logs: Export passbooks or logs in PDF or Excel format.
SMS alerts for members
Keep members informed with automated SMS alerts for deposits, withdrawals, loan payments, due reminders, profit share notifications, and more.
Key Features :
- Automated SMS Alerts: Send real-time SMS for every transaction or scheduled event.
- Loan Payment Reminders: Send alerts for upcoming or missed EMI payments.
- Custom Message Templates: Create and manage SMS templates with personalized content.
- Profit Share Notifications: Inform members when their profit share is calculated and credited.
- Deposit & Withdrawal Alerts: Notify members instantly about deposit and withdrawal confirmations.
Financial reporting and ledger system
Track and manage your co-operative’s full financial picture with detailed ledgers, automated accounting entries, and real-time financial reports including balance sheets, income-expense statements, and profit-loss summaries.
Key Features:
- Audit Trail: Keep a log of all changes and financial movements for compliance.
- Balance Sheet: View current financial position including assets and liabilities.
- General Ledger: Maintain complete and accurate records of all financial transactions.
- Member Ledger Reports: Track individual member transactions and balances.
- Profit & Loss Summary: Understand net profitability over time with detailed breakdowns.
- Income & Expense Reports: Generate detailed reports on income sources and operational expenses.
- Automatic Journal Entries: System-generated entries based on transactions and actions.
Role-based access (Admin, Manager, Member Panel)
Ensure secure and controlled system access with customizable roles like Admin, Manager, and Member Panel. Each role gets access only to the relevant modules, actions, and reports they are authorized for.
Key Features :
- Access Logs: Track all login activities and changes by role.
- Member Panel: Secure member login to view personal savings, loans, and transactions.
- Manager Access: Access to financial operations, approvals, and reporting dashboards.
- Admin Panel Access: Full control over all settings, user roles, and system configurations.
- Permission Control: Fine-grained control over what each role can view or modify.
- Custom Role Creation: Create additional roles with specific permissions.
Cloud access from mobile and desktop
Access your co-operative or credit union system anytime, anywhere through cloud-based login from mobile or desktop. Ensure real-time data synchronization and seamless workflow across all devices.
Key Features:
- Real-Time Sync: Automatic synchronization of data across all devices.
- Multi-User Access: Multiple users can access their roles from any location.
- Cloud Data Security: Encrypted and regularly backed-up cloud storage.
- Offline Mode Support: Work offline and sync when internet is available.
- Mobile & Desktop Login: Secure login from Android, iOS, Windows, and Mac devices.
- Cross-Platform Functionality: Seamless experience across mobile and desktop interfaces.