Complete ERP solution for Philippine cooperatives with full CDA compliance and RA 9520 regulatory support.
Built-in compliance with CDA regulations, MC 2022-24 chart of accounts, and RA 9520 statutory fund requirements.
Hash-chained audit trail ensures financial records cannot be altered without detection.
Progressive Web App with offline sync for provincial branches with limited connectivity.
Maximum loan automatically calculated as 2x paid-up share capital.
Loan Officer → Credit Committee → Board approval workflow.
Auto-deduct percentage to member's share capital on disbursement.
Diminishing balance, straight-line, and equal principal computation.
Complete member information, contact details, and membership status.
Pre-Membership Education Seminar completion and certification tracking.
Application, document submission, approval, and activation process.
Complete transaction history, services availed, and participation records.
Track subscribed, paid-up, and outstanding share capital per member.
Multiple savings types with configurable interest rates and terms.
Automated interest calculation and posting with configurable schedules.
Interest on capital and patronage refund calculation per RA 9520.
MC 2022-24 standard chart of accounts pre-configured and ready to use.
Automatic Reserve Fund (10%), CETF (3%), and CDF (3%) computation.
Generate compliant reports for regulatory submission.
Complete double-entry bookkeeping with trial balance and financial statements.
Cash, check, bank transfer, and over-the-counter payments.
Monitor due dates, overdue accounts, and collection efficiency.
Sequential OR numbering with BIR-compliant format.
Automated payment reminders and due date alerts to members.
Install on any device - desktop, tablet, or mobile - works like a native app.
Continue processing transactions even without internet connectivity.
Queued operations automatically sync when connection is restored.
IndexedDB storage with Dexie for reliable offline data persistence.
Savings and credit coops with loan and savings products for members.
Cooperatives offering multiple services including lending, consumer, and marketing.
Company-based cooperatives serving employees with financial services.
Cooperatives with satellite branches needing offline-capable operations.
See how OmniMutual can streamline your cooperative operations with CDA compliance built-in. Schedule a personalized demo today.