01
Member records
Register and maintain member profiles, next-of-kin information, status and organizational relationships.
One connected platform
Give every financial workflow a clearer path.
Azina365 brings core operational capabilities together so your team can manage work consistently, serve members efficiently and make better-informed decisions.
Member lifecycle
Build a reliable foundation for member service.
Keep the information, accounts and interactions behind each member organized and accessible to authorized staff.
02
Accounts and statements
Follow customer accounts, transaction histories, balances and downloadable statements.
03
Operational insights
Use member dashboards and reports to understand growth, activity and service needs.
Lending and credit
Manage the loan journey from request to repayment.
Create consistent workflows for products, applications, appraisal, approvals, guarantors, schedules and follow-up.
Flexible loan products
- Configurable terms and interest approaches
- Repayment frequencies and schedules
- Charges, penalties and applicable duplum controls
Controlled decision workflow
- Application and appraisal steps
- Approval and posting workflows
- Guarantor commitments and visibility
Portfolio follow-through
- Collections and repayment tracking
- Rescheduling and supported restructuring
- Portfolio, ageing and defaulter reports
Savings and deposits
Track member funds with greater consistency.
Set up savings products, record activity and give your team and members clearer access to balance and movement information.
Multiple savings products
Support regular savings, target-based products and other configured schemes.
Transaction visibility
Follow deposits, withdrawals and account movement with supporting reports.
Dividend readiness
Use the optional dividend workflow to configure cycles, calculate allocations and coordinate supported disbursement activity.
Accounting and control
Connect daily transactions to the financial record.
Reduce repeated posting and improve oversight through connected receipts, payments, journals, ledgers and reconciliation.
Daily accounting
- Receipts and payments
- Chart of accounts and ledgers
- Journal entries and reversals
Financial control
- Bank reconciliation workflows
- Approvals and audit information
- Fiscal-year close support
Management visibility
- Income and expense trends
- Cash-flow visibility
- Accounting and financial reports
Payments and communication
Bring supported digital payment journeys closer to operations.
Connect M-Pesa collection and disbursement workflows with transaction visibility, reconciliation and member communication.
- M-Pesa C2B transaction support on applicable plans
- Supported B2C and payout journeys where configured
- Transaction, exception and bounced-payment visibility
- SMS notifications and bulk communication options
- Standing-order and transfer workflows where enabled
Reporting and intelligence
Turn operational records into useful decisions.
Give leadership and operational teams practical views of members, lending, savings, cash movement, accounting and regulatory needs.
Operational dashboards
Track the movement and health of key activities without reconstructing the story manually.
Management reports
Generate member, loan, savings, defaulter, accounting, interest and other supported reports.
Credit assessment support
Use supported statement analysis and affordability insights to strengthen—not replace—responsible human credit decisions.
Member self-service
Give members useful access beyond the office.
Allow authenticated members to view relevant financial information and complete supported requests through web and mobile experiences.
- Balances, transactions and statements
- Loan applications and loan calculators
- Loan status and repayment visibility
- Guarantor requests and commitments
- Supported downloads, sharing and notifications
Optional extensions
Expand beyond the core when your organization needs it.
Selected modules and services can extend Azina365 into additional operational areas. Availability depends on your plan and implementation requirements.
FOSA
Cash operations, transfers, shifts and member accounts.
HR & payroll
Employees, leave, payroll periods, salary processing and related workflows.
Cooperative operations
Supported produce delivery, sales, expense and reporting workflows.
Dividends
Cycle setup, calculation, review, posting and supported disbursement.
Focus on what matters first
See the capabilities that match your organization.
We will tailor your demonstration around your team, current processes and highest-priority outcomes.