Comprehensive Staff and Member Operations System (CoSMOS)
What is CoSMOS?
CoSMOS is a powerful, all-in-one digital platform built to simplify and automate the core operations of member-based organizations.
Why Choose CoSMOS?
- All-in-one member and staff management
- Faster decision-making with real-time data
- Easy loan, benevolent, savings, and dividends processing
- Streamlined approvals and communication
- Secure, cloud-based access from anywhere
- Seamless API integrations with your existing softwares
- Can integrate with all payment APIs
Who can use CoSMOS?
Whether you're part of a SACCO, credit union, NGO, self-help group, HR or admin department, or any other member-based institution, CoSMOS is designed to seamlessly adapt to your structure and streamline your operations.
One Platform. Total Control.
Digital Infrastructure for SACCOs, Welfare Groups & Member-Based Institutions
CoSMOS is a unified web-based system designed to streamline operations such as member registration and management, share tracking and dividend distribution, loan applications and approvals, benevolent and welfare handling, as well as expense tracking and financial reporting.
Whether you're managing a SACCO, welfare group, or union, CoSMOS provides the tools to simplify operations, enhance transparency, and support smarter, data-driven decisions for both staff and members.
Public Website
Serve as the official front-facing platform for showcasing your organization, sharing updates, recruiting members, and collecting online applications.
- Online application & registration
- Public announcements and events
- Dynamic content management
- FAQs and contact support
- Mobile-friendly user interface
Member Portal
Empower your members with self-service capabilities, transparency, and engagement — all from a centralized digital interface.
- View account balances and transaction statements
- View profile details
- Request share contribution adjustments
- Transfer shares to another member
- Apply for loans (advance, normal, and top-up)
- Use loan calculator for planning
- Search and add guarantors for loans (eligibility verified; code sent for consent)
- Check loan eligibility and self-guarantorship limits
- View outstanding loan balances
- Track contributed shares and cycles
- Receive monthly updates on share contributions
- Receive announcements and documents
- Apply for benevolent claims and view approved amounts
- View and withdraw dividends or re-invest as shares
- View and manage notifications
- Apply for member exit from welfare
- Switch guarantors during exit process
Staff/Admin Portal
Enable staff to manage operations, member data, contributions, and decision-making tools — securely and efficiently.
- Register members and perform KYC verification
- Search members by name, email, phone, or member number
- Amend member details by name or member number
- View and manage member listings
- Process new member applications
- Manage registration fee payments
- Approve or reject member exit requests
- Manage share contribution adjustments and schedules
- Initiate and approve share transfers
- Manage loans (advance, normal, top-up) and repayment requests
- Create loans on behalf of members
- Use loan calculator for analysis
- Approve or reject benevolent claims and manage contributions
- Disburse dividends and manage withdrawal requests
- View dividend allocation schedules
- Initiate monthly share contribution updates
- View running balances and financial statements
- Manage expenses (create and view)
- Access system analytics and reports
- Control user and staff roles and permissions
- Monitor audit trails for system activities
Innovative, secure, and budget-friendly tech system. Find Your Solution Now!
Why CoSMOS? — Key Benefits
Eliminate Manual Work & Human Errors
Automate share tracking, loan processing, benevolent claims, and dividend distribution. Say goodbye to scattered Excel files — everything is structured, centralized, and consistent.
Improve Transparency & Member Trust
Members can access real-time account statements, balances, and notifications. Transparent tracking of loan eligibility, share cycles, and benevolent claims.
Enhance Staff Efficiency
Staff can search, amend, and manage member data instantly. No more chasing paperwork for approvals — workflows are streamlined and digital.
Enable Data-Driven Decisions
Access real-time financial reports, audit trails, and analytics dashboards. Track monthly contributions, outstanding loans, and expenses at a glance.
Faster Approvals & Better Oversight
Handle loan, share transfer, and exit approvals securely within the system. Admin roles and permissions ensure accountability at every level.
Member Self-Service & Engagement
Members can apply for loans, transfer shares, or update their info from anywhere. Regular updates via announcements, statements, and automated summaries.
Built-In Compliance & Audit Trails
All member actions and admin changes are logged for full audit transparency. Supports KYC workflows and structured onboarding.
Designed for Growth
Scalable for small, medium, or large organizations — with modular expansion. Easily integrate with payment APIs, mobile platforms, and third-party tools.
Secure, Cloud-Based Access
Your team and members can securely access the system 24/7 from any location. No need for physical infrastructure or local installations.
Professional Public Image
Integrated public website to collect member applications, share news, and improve brand presence.