Msunduza
Multipurpose Cooperative

Cooperative management system

Savings that build members. Credit that comes back.

One register for members, savings, shares and loans — with the approval, guarantor and collections controls your credit committee already works to.

Membership register

National ID, next of kin, residence and employment captured by admin, with a controlled resignation and termination workflow.

Savings & deposits

Regular and education accounts, E250–E1 000 deposits, 2% monthly interest posted and paid annually, receipts on every capture.

Loans & guarantors

Personal and business loans at 5% per month on reducing balance, secured by encumbered savings and linked guarantors.

Repayments & collections

Interest, then fees, then principal. Five-day grace, automatic penalties, red alerts, reminders and daily reconciliation.