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Financial Reports
Standard CDA Financial Statements: Trial Balance, Balance Sheet, and Income Statement (+ Cash Flow Statement).
1. Trial Balance (Debit & Credit Summary)
Balanced (Variance: ₱0.00)
| Account Title & Code | Debit (₱) | Credit (₱) |
|---|---|---|
| 101 Cash & Cash Equivalents | 4,329,500.00 | — |
| 102 Loans Receivable | 8,120,500.00 | — |
| 201 Savings Deposits Liability | — | 2,150,000.00 |
| 301 Member Share Capital (Equity) | — | 8,000,000.00 |
| 302 General Reserve Fund | — | 2,300,000.00 |
| 401 Interest Income on Loans | — | 345,000.00 |
| 402 Fines & Penalties Income | — | 12,500.00 |
| 501 Operating Expenses | 232,500.00 | — |
| 502 Administrative Overhead | 125,000.00 | — |
| TOTALS (BALANCED) | ₱12,807,500.00 | ₱12,807,500.00 |
2. Balance Sheet (Statement of Financial Condition)
Total Assets: ₱12,450,000.00
| Assets | |
| Cash and Cash Equivalents | ₱4,329,500.00 |
| Loans Receivable | ₱8,120,500.00 |
| Total Assets | ₱12,450,000.00 |
| Liabilities | |
| Savings Deposits | ₱2,150,000.00 |
| Equity (Members' Funds) | |
| Share Capital | ₱8,000,000.00 |
| Reserve Fund | ₱2,300,000.00 |
| Total Liabilities & Equity | ₱12,450,000.00 |
3. Income Statement (Statement of Operations)
Net Surplus: ₱125,000.00
| Revenues | |
| Interest Income on Loans | ₱345,000.00 |
| Fines and Penalties | ₱12,500.00 |
| Total Revenues | ₱357,500.00 |
| Expenses | |
| Operating Expenses | ₱232,500.00 |
| Net Income / Net Surplus | ₱125,000.00 |
4. Cash Flow Statement
Net Increase: ₱415,200.00
| Cashflows from Operating Activities | ₱450,200.00 |
| Cashflows from Investing Activities | -₱120,000.00 |
| Cashflows from Financing Activities | ₱85,000.00 |
| Net Increase in Cash | ₱415,200.00 |
Official Audit & Management Sign-Off
Collection & Payment Monitoring
CDA Standard Section E: Daily Collections, Service Receipts, Payment Posting, Due Date Reminders, and Aging Reports.
1. Daily Collection Monitoring
Today's Total: ₱48,500.00
| OR / Reference No. | Member / Payor | Collection Type | Amount (₱) | Payment Channel | Collecting Officer | Action |
|---|---|---|---|---|---|---|
| OR-9827 | Maria Santos | Loan Repayment | ₱12,500.00 | Cash on Hand | Robie Beatriz Suyam | |
| OR-9826 | Juan Dela Cruz | Savings Deposit | ₱5,000.00 | GCash Transfer | Robie Beatriz Suyam | |
| OR-9825 | Elena Bautista | Share Capital Build-Up | ₱20,000.00 | Bank Deposit (Landbank) | Robie Beatriz Suyam | |
| OR-9824 | Ricardo Dizon | Loan Repayment + Interest | ₱11,000.00 | Cash on Hand | Robie Beatriz Suyam | |
| DAILY TOTAL COLLECTED (TODAY) | ₱48,500.00 | Verified by Cashier: Robie Beatriz Suyam | ||||
2. Service Receipt Generation (Customizable Fee Engine)
Editable Amounts & Categories
| Service Receipt # | Payor Member | Service Type | Fee (₱) | Channel | Issue Date | Action |
|---|---|---|---|---|---|---|
| SR-1042 | Maria Santos | Loan Processing & Notarial Fee | ₱750.00 | Cash on Hand | Today | |
| SR-1041 | Carlos Mendoza | Passbook Replacement Fee | ₱100.00 | GCash Transfer | Yesterday |
3. Payment Posting Engine & Double-Entry Accounting
Real-Time Double-Entry Journaling
Where is this transaction posted in the system?
Instantly recorded under Cash Receipts (CR) with sequential Official Receipt (OR) numbering.
Real-time row added to today's collection tally in Section E.1.
Outstanding loan balance reduced or savings/share capital incremented immediately.
Cash on Hand and Balance Sheet automatically reconciled in real-time.
4. Due Date Reminders & Automated Notifications
| Borrower Member | Loan Account | Installment Amount | Due Date | Reminder Status | Action |
|---|---|---|---|---|---|
| Maria Santos | LN-2026-088 (Regular Loan) | ₱12,500.00 | September 15, 2026 | 🟢 Due in 7 Days | |
| Roberto Gomez | LN-2026-074 (Convenient Loan) | ₱6,200.00 | September 8, 2026 | 🟡 Due Today | |
| Felipe Ramos | LN-2026-052 (Emergency Loan) | ₱4,800.00 | September 3, 2026 | 🔴 Overdue (5 Days) |
5. Aging Reports (CDA Standard Loan Aging Schedule)
| Aging Bucket Classification | Total Amount (₱) | % Portfolio | CDA Loss Provision Rate | Required Loss Reserve (₱) |
|---|---|---|---|---|
| Current (Not Yet Due) | ₱7,845,000.00 | 96.61% | 0% | ₱0.00 |
| 1 – 30 Days Past Due | ₱185,500.00 | 2.28% | 2% | ₱3,710.00 |
| 31 – 60 Days Past Due (Substandard) | ₱65,000.00 | 0.80% | 20% | ₱13,000.00 |
| 61 – 90 Days Past Due (Doubtful) | ₱25,000.00 | 0.31% | 50% | ₱12,500.00 |
| Over 90 Days Past Due (NPL / Loss) | ₱0.00 | 0.00% | 100% | ₱0.00 |
| TOTAL LOAN RECEIVABLES PORTFOLIO | ₱8,120,500.00 | 100.00% | PAR > 30d: 1.11% | ₱29,210.00 |
Member Directory (KYC)
Manage member profiles and verification status.
| ID | Name | Type | Share Capital | Status | Action |
|---|---|---|---|---|---|
| MEM-001 | Maria Santos | Regular | ₱50,000 | Verified | |
| MEM-002 | Juan Dela Cruz | Regular | ₱25,000 | Verified | |
| MEM-003 | Liza Soberano | Associate | ₱15,000 | Pending | |
| MEM-004 | Ricardo Dalisay | Regular | ₱120,000 | Verified | |
| MEM-005 | Sarah Geronimo | Regular | ₱45,000 | Verified | |
| MEM-006 | Glaiza Dadivas | Regular | ₱10,000 | Verified | |
| MEM-007 | Robie Beatriz | Regular | ₱10,000 | Verified | |
| MEM-008 | Thanie Maluya | Regular | ₱10,000 | Verified | |
| MEM-018 | Robie Beatriz Suyam | Regular | ₱10,000 | Verified | |
| MEM-020 | Wally Alcantara | Regular | ₱10,000 | Verified |
Smart Ledger
Real-time transaction history and automated bookkeeping.
| Transaction / OR No. | Member / Payor | Classification & Type | Amount | Date | Status | Actions |
|---|
Loan Management
Track loan disbursements, repayments, and applications.
| Application ID | Applicant | Loan Type | Amount | Term | AI Credit Score | Status | Actions |
|---|
Cash / Check Disbursements
Manage and track operational expense requests, multi-tier authorizations, and automatic GL posting.
| Request ID | Date | Requestor | Purpose / Details | Amount | Status | Action |
|---|
Time Deposits (TD) Vault
Manage member time deposit placements, interests, and certificates.
| TD No. | Depositor | Principal | Interest Rate | Monthly Interest | Start Date | Maturity Date | Status | Actions |
|---|
AI Financial Assistant
Ask questions about your cooperative's data.
Discuss (Team Collaboration)
Real-time chat and video conferencing for cooperative officers.
Document Center (DMS)
Paperless automated management of KYC, loans, and reports.
E-Signatures
Automated digital signing for Loan Promissory Notes and Agreements.
KYC OCR Scanner
Scan IDs directly from mobile cameras. No more photocopies.
Auto-Reminders
Automated SMS & Email due date notices sent directly to members.
Bank API Sync
Direct integration with InstaPay/GCash for cashless auto-collections.
| Document ID | Document Type | Signer | Date Signed | Audit Factors | Hash Proof | Registry Actions |
|---|
Integrations Hub
Connect and manage third-party smart technologies to expand cooperative capabilities.
Mambu Core Banking
Cloud-native core financial platform. Connects ledger systems, accounts, and credit limits to enterprise-grade banking rails.
Brankas Open Finance
Open banking payment gateway. Enables real-time GCash, PayMaya, and bank transfers for contributions and loan amortizations.
Shufti Pro e-KYC
Automated identity verification. Uses OCR scans and facial biometric matching to instantly verify government IDs and reduce fraud.
FinScore Credit Risk
Alternative credit scoring engine. Analyzes telco records, payment behaviors, and social data to compute AI credit ratings.
Twilio Communications
Multi-channel notification engine. Sends automated text messages (SMS), voice alerts, and email reminders for late payments.
Cooperative Dividend & Patronage Refund Engine
Calculate and distribute annual dividends on share capital and patronage refunds on loan interest to cooperative members.
Distribution Rules
Statutory Funds & Surplus Allocation
Distribution Payout Ledger (Preview)
| Member ID | Name | Share Capital | Interest Paid | Savings Div | Patronage Ref | Total Payout |
|---|
System Settings
Configure cooperative rules and security.
General Rules
Real AI Integration
Supabase Database Connection
Loan Policies & PN Template
Chart of Accounts (Ledger Codes)
Map your cooperative's General and Subsidiary Ledger account codes. You can customize these to match your existing bookkeeping files.
Online Payments Configuration
AI Controls
Accessibility & Interface
Speech & Voice Customization
System Help Center & User Guides
Step-by-step interactive workflow guides and user manuals for each cooperative module.
Member Onboarding & KYC
Manage cooperative member registration, seminar status, and identity verification credentials.
Step 1: Register New Profile
Click the + Add Member button on the top right of the Members list. Fill in the full name, selection type (Regular or Associate), and initial capital deposit amount.
Step 2: Pre-Membership Education Seminar (PMES)
New members are set to Pending. They must complete the mandatory PMES course to learn cooperative rules, rights, and financial policies.
Step 3: Verification Approval
Upon submission of valid government IDs, click the Member line item and switch their status to Verified to activate full borrowing and savings privileges.