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Phone number can't be changed here — it's how this member logs in and can't be edited without risking their access. Contact support if a phone number genuinely needs to change.

Leave any field blank or 0 to skip that method. You can record a payout in stages — this doesn't have to cover the full entitlement at once.

Members owe from their join month through December of that year, then a full January–December every year after.

Applies to new loan applications only — existing loans are never changed retroactively. Calculated as a flat rate on the principal, added once (not compounding).

Members choose a package when applying. Once you have at least one active package, applying without one is no longer allowed.

Add package Cancel edit

For a loan requested in person or by phone. The guarantor still has to confirm before this goes to admin review — same as a member applying directly.

First row must be a header with a phone column. Optional: name, opening_balance (in ₦).

Enter what each account currently holds — leave blank to skip. Anything that doesn't naturally balance is absorbed into Opening Balance Equity automatically, so you don't need to work out the double-entry yourself. This can only be run once.