Coop-Finance Mobile Panel - User Documentation

System Overview

What is Coop-Finance Mobile Panel?

Coop-Finance Mobile Panel is a comprehensive executive dashboard designed specifically for cooperative financial management. It provides real-time access to member data, financial reports, and operational insights through an intuitive mobile-first interface.

Key Features:

Real-time member account management
Comprehensive loan tracking and analysis
Financial reporting and analytics
Default management and monitoring
Member profile and document access

System Requirements

Device Requirements:

• Mobile device or tablet
• Modern web browser (Chrome, Safari, Firefox)
• Internet connection required
• Minimum screen resolution: 360px width

Access Requirements:

• Valid executive account credentials
• Active Firebase subscription
• Authorized staff/executive status

Getting Started

1

Access the System

Navigate to the login page and enter your executive credentials.

2

Verify Subscription

Ensure your Firebase subscription is active or start a trial.

3

Explore Dashboard

Access all features from the main dashboard interface.

First Login Process

                        Step-by-Step Login:
                        Open your web browser and navigate to the Coop-Finance Mobile Panel
Enter your registered email address
Enter your secure password
Click "Sign In" to authenticate
If prompted, verify your subscription status
Access the main dashboard upon successful authentication

                    

Executive Dashboard

Dashboard Overview

The main dashboard provides a comprehensive overview of your cooperative's financial health and operational status. It displays real-time data and quick access to all system functions.

Available Services:

Savings

Loans

Christmas

Reports

Financial Overview Panel

The financial overview section displays key metrics including share capital, total savings, reserve funds, and outstanding loans.

Displayed Metrics:

• Share Capital: Total member equity
• Total Savings: Aggregate member savings
• Reserve Fund: Emergency reserves
• Education Fund: Development reserves
• Outstanding Loans: Active loan balances

Savings Account Management

Features Overview

The savings module allows you to search, view, and analyze member savings accounts with detailed transaction histories and year-over-year comparisons.

Search and Navigation

Real-time member search by name or ID
Autocomplete suggestions for quick access
Year-by-year transaction navigation
Automatic balance calculations

Account Information Display

Complete member profile information
Current and historical balances
Detailed transaction history
Annual movement summaries

How to Use Savings Management:

                            Access "Savings" from the main dashboard
Enter member name or ID in the search box
Select the correct member from autocomplete suggestions
View member details including phone, registration date, and dues
Navigate between years using the year selector
Review opening balance, movement, and closing balance for each year
Scroll through transaction history in chronological order

                        

Loan Account Management

Personal Loan Tracking

Comprehensive loan management system for tracking personal loans, payments, and outstanding balances with detailed analytics and member information.

Loan Overview

• Principal amount tracking
• Outstanding balance calculation
• Repayment progress visualization
• Interest rate and term details

Payment History

• Complete transaction timeline
• Payment amount and dates
• Balance after each payment
• Last payment tracking

Guarantor Information

• Guarantor name listings
• Co-signer responsibilities
• Surety analysis tools
• Risk assessment metrics

Loan Management Workflow:

                            Navigate to "Loans" from the dashboard
Search for member using name or ID
Review member information and savings balance
View loan summary statistics (total loans, outstanding, active loans)
Browse loan history sorted by most recent first
Click "View Details" on any loan for expanded information
Review loan terms, guarantors, and payment history
Use progress indicators to assess repayment status

                        

Christmas Loan Management

Seasonal Loan Program

Specialized module for managing Christmas loans with similar functionality to personal loans but tailored for seasonal lending programs.

Christmas Loan Features

Seasonal loan tracking and management
Holiday-specific loan terms
Guarantor requirements and tracking
Special interest rates for Christmas loans

Collection Management

Initialize Christmas loan collections
System setup and configuration
Collection status monitoring
Administrative controls

Christmas Loan Operations:

Collection Initialization:

If no Christmas loan collection exists, use "Initialize Christmas Loan Collection"
System will set up the necessary database structure
Once initialized, regular loan management functions become available

Member Search and Analysis:

Search functionality identical to personal loans
View Christmas-specific loan statistics
Track seasonal lending patterns
Monitor repayment schedules and defaults

Financial Reports

Income and Expense Reporting

Generate comprehensive financial reports for income accounts and expense tracking with flexible period selection and detailed breakdowns.

Income Accounts

Membership fees tracking
Interest income reporting
Service charges summary
Processing fees analysis
Commission income tracking

Expense Accounts

Office supplies and materials
Utilities and operational costs
Staff salaries and benefits
Maintenance and repairs
Administrative expenses

Report Generation Process:

Period Selection Options:

Current Month, Quarter, or Year
Last Month, Quarter, or Year
Year to Date (YTD)
Custom date range selection

Report Features:

Account-wise breakdown with codes
Total calculations and summaries
Period comparison capabilities
Export-ready formatting

Default Management

Loan Default Monitoring

Advanced default management system that automatically calculates overdue payments and categorizes risk levels for both personal and Christmas loans.

Normal (0-2 months)

• Current on payments
• Low risk classification
• Standard monitoring
• Regular follow-up

Critical (3-6 months)

• Moderate payment delays
• Increased attention required
• Active collection efforts
• Contact member frequently

Doubtful (6+ months)

• Severe payment defaults
• High risk of loss
• Immediate action required
• Consider recovery options

Default Management Features:

Communication Tools:

Direct phone call initiation
Email reminder system with templates
SMS notifications (₦6.70 per message)
Contact information display

Automated Calculations:

Expected vs. actual payment analysis
Months defaulted calculation
Outstanding amount tracking
Risk level determination

Member Profile Management

Comprehensive Member Information

Access complete member profiles including personal information, contact details, financial data, and document management.

Personal Information

Full name and member ID
Date of birth and registration
Contact information
Email addresses
Occupation details

Financial & Legal Data

NIN and BVN numbers
Bank account details
Monthly dues information
Next of kin details
Referral information

Document Management:

Supported Documents:

Passport photographs
Digital signatures
Identification documents
Bank statements and verification

Profile Access:

Search by name or member ID
View complete profile information
Access document images
Review membership status

Surety Analysis

Risk Assessment Tool

Advanced surety analysis system that evaluates member risk profiles based on their guarantor obligations and financial capacity.

Risk Metrics

Total surety exposure calculation
Savings vs. exposure ratio
Risk level categorization
Loan progress analysis

Exposure Analysis

Actual exposure (Outstanding - Borrower Savings)
Co-guarantor identification
Loan progress monitoring
Risk level indicators

Surety Analysis Process:

                            Search for member using name or ID
System calculates member's total savings from transactions
Identifies all loans where member serves as guarantor
Calculates borrower's savings for each guaranteed loan
Determines actual exposure (loan balance minus borrower savings)
Analyzes risk level based on exposure ratio and loan progress
Displays comprehensive risk assessment with recommendations

                        

Troubleshooting Guide

Common Issues

Login Problems

Check credentials and subscription status

Data Not Loading

Verify internet connection and refresh page

Search Not Working

Try using exact member ID or full name

Best Practices

Use stable internet connection
Keep app updated to latest version
Maintain active subscription
Log out when finished

Debug Functions:

Available Debug Commands (for technical support):

debugLoans() - Debug loan module status
debugSavings() - Debug savings module status
debugDefaults() - Debug default management status
testMember('ID') - Test specific member data
forceRefresh() - Force data refresh

Support Contact

If you continue to experience issues after following the troubleshooting steps:

• Contact Janalytics technical support
• Provide specific error messages or screenshots
• Include your subscription details
• Mention the specific module causing issues

System Architecture

Technical Overview

Coop-Finance Mobile Panel is built on modern web technologies with real-time data synchronization and secure authentication.

Frontend Technologies

• Progressive Web App (PWA)
• Responsive mobile-first design
• Real-time data updates
• Offline functionality
• Service worker caching

Backend Services

• Firebase Firestore database
• Cloud Functions for processing
• Authentication & authorization
• Data validation & security
• Automated backups

Security Features

• Multi-factor authentication
• Role-based access control
• Encrypted data transmission
• Session management
• Audit trail logging