Modern cooperatives avoid errors in accounting and reporting

Silvia can be used by your staff to easily do all administration, processing and reporting.

- register members digitally
- start group lending (grameen style)
- save time (less cash, forms and administration)
- stop handling and transporting cash

Deposit module

Syariah/Conventional
Local/Foreign Currency
Saving Account:
- Basic Savings
- Planned Savings
- Linked Saving
Current/Checking Accounts
Time Deposit: Fixed/Floating/ARO- Automatic Roll Over
Base rate setting: in the event of reference interest rate increased, re-setting base rate will have impact to all customers within the product
Fees and Charges: can be defined at product and transaction level, making assigning special rates for prime customers would never been easier.
Transaction Restrictions: combination of transaction and customer limits can be set to restrict financial transaction

True browser-based Front Office system:
- Best performance
- Easy to maintain & reduce TCO
- Faster deployment
- Anywhere Anytime
Centralised Branch Delivery System:
- No need to have server in the branches
- Branch terminals can be monitored, maintained and managed from a central point.
- New features and functions can be deployed nationwide in no time
Centralised view of cash drawer/branch vault denomination position
- Help cash reserve & forecasting
- Balances by each currency or individual denomination can be monitored online
- Real-time updates on both customer and internal (Cash) accounts.
- Reconciliation is not required.
Customer Service:
- 360 degree customer view for cross selling and up selling
- Image upload for IDs, photo, signature, collateral, documents, etc.
Sub Modules:
- Teller
- Customer Service
- User Management
- Limits & Transaction restrictions
- SDB – Safe Deposit Box

Offers an end to end solution to help Banks implementing Branchless Banking fast and secure:

Full cycle of Agent Management:
- Agent Onboarding: Recruitment, commission and administration
- Performance Monitoring: goal setting, activity tracking, achiements
- Reward System: point reward, reward/bonus calculator
- Agent Discharge
Agent app provides wide range of services:
- Administrative Services (account opening/closing, details update, change password, etc.)
- Cash services (deposits, withdrawals, remittances, payments, purchases, collection)
- Account services (balance inquiries, transfers, payments/purchases, standing instructions)
- Other services (administrative, security, referral)
Server-based eMoney
LOS – Loan Origination System
3D secure (OTP) linking the Bank, the agents and the customer requesting a transactional service
Alert & Notification
Agent/Group/Area performance monitoring
Extensive reporting options

Support both conventional cooperative & BMT – Baitul Maal Wat Tamwil
Member Management:
- CIF System
- Built in profitability/exposure/limit Management
- Able to store & display Image: KTP/KK, photo, finger print
Deposit Management: Simpanan Wajib/Pokok/Sukarela, special fixed deposit, passbook
Loan Management:
- Support secured/unsecured consumer loans/financing
- Collateral Management
- Easy Top Up & early discharge
Interfaces:
- Integration with Payroll/HRMS for automatic salary deduction
- Integration with bank account for loan repayment and other member obligations
- Integration to internal/external payment switch
Support multi LOB-Line of Business: mini market and other retailer business, motorcycle & consumer financing, Pharmacy, Money Changer
SHU calculator and distribution
Risk Management:
- Collect-ability & Loan Reserve Management
- Early warning for bad loans
- Mobile Collection

Book Demo

Book demo

In the live demo, we can show you all the main features, explain how this will help your cooperative and answer all your questions.