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PRISMA SYSTEMS. SAVCO 3.5 & 4.x. What is SAVCO?. SAVCO® is a complete integrated software that has all essential components to manage and run a savings and credit organisation.

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slide1

PRISMA SYSTEMS

SAVCO

3.5 & 4.x

slide2

What is SAVCO?

SAVCO® is a complete integrated software that has all essential components to manage and run a savings and credit organisation

It is easily learned and operates on Microsoft Windows 2000, 2003 server, XP, VISTA, 2008 server and any newer versions.

User customizable and fully parameterized

slide3

What Does SAVCO Contain?

  • Customer and Member Full Details
  • Loan Management
  • Remittances and Statements
  • Full Share Product Management
  • Business/Saleable Products Activities
  • Dividend Management
  • Customer Banking Services
  • Customer Utilities & Servicing
  • Saving Interest Management
  • Fixed Deposits Management
slide4

Customer & Member Details

  • Official Details
  • Identifications
  • Classifications
  • Beneficiaries
slide5

Loan Management - Application

  • Loan Application
  • Guarantors
  • Commission Fees
  • Amortization
slide6

Loan Processing Flow

Loan Application

Entered Into SAVCO

Loan Applicant Advised

Printed Copy Sent to Loan Committee

Loan Approved in SAVCO by Loan Officer

Loan Committee Approves or Rejects

Enters Monthly Check off

Loan Appraisal

slide7

Loan Management - Activities

  • Workbench for Creating &Approving loans
  • Appraisal & Approval Workbench
  • Changing Loan Repayment Values
  • Writing Off Loan Interest
  • Changing Repayment Due Dates
  • Enquiring on Guarantors
  • Generating Due Interest/Principal Payments
  • Penalizing Loan Defaulters
  • Mass Data - Journal Transactions Entry
  • Importing Loan Transactions
  • + Miscellaneous Related Activities
slide8

Loan Management – You Can Control/1

  • Loan Products to be Used
  • Maximum & Minimum Loan Amount
  • Maximum & Minimum No. of Guarantors
  • Maximum & Minimum Repay Periods
  • Loan & Shares Ratio
  • Loan & Savings Ratio (4.x)
  • Loan Full Guarantee Security
  • Number of Loans One can Guarantee
  • How Loan is Written Off
slide9

Loan Management – You Can Control/2

  • Interest & Principal are Separated
  • Loan Appraisals
  • How Loan Penalty is Calculated
  • Minimum Shares for Eligibility
  • Minimum Savings for Eligibility (4.x)
  • Who to Approve Loans
  • Loan Value a User Can Approve
  • Commissions ,Fees & Penalties
  • Many More User Defined Parameters
slide10

Remittances and Statements

Transactions Entry for Each Individual

One by One or Bulk Entry as Journals

Pay Remittances:

Loan & Interest

Shares , Deposits & Others

slide13

Customer Banking Services

  • Defining Accounts
  • Teller Activities
  • Unlimited Service Types
  • Unlimited A/C Types
  • Banking Controls
slide14

Customer Banking Services – You can Control /1

  • Minimum Operating Balance
  • Opening & Closing Fees
  • Interest Rate
  • Type of Services and Charged Fees
  • Maximum Balance
  • Dividend Earnings
  • Credit Charge on Outstanding Payments - e.g. for Cards
  • Overdraft Processing, e.g. Maximum, daily or Monthly Charge
slide15

Customer Banking Services – You can Control /2

  • Minimum Withdrawal in one Transaction
  • Maximum Withdrawal in one Transaction
  • Withdrawal Charges
  • Deposit Charges
  • Withdrawal Intervals in Days - From Last Transaction
  • Minimum Interest Balance
  • Cashiers End of day Reconciliations
  • Many More User Defined Controls
slide17

Ledger & Cash Book Menu

Fully Customizable Chart of Accounts

Ledger Accounting

Chart Of Accounts

Journal Transaction

Recurring Journals

Asset Register

Import Transactions

Approval Controls

Asset Register

Budget Planning

Initialize Budgets

Import From Excel

Original Budgets

Revise Budgets

Finalize Budgets

Ledger entries are entered in journal format

Banking Tellers are controlled from their ledger accounts

Real-time Update of all master files

Transaction can be imported from Excel

Automatic Accounting Reports:

Trial Balance, Balance Sheet, Income & Expenditure Statements etc

slide18

Reports – Standard, Members & Customers

Standard Reports

Member Driven

Teller Driven

Customer Driven

slide19

Reports – Summary

  • No Limit on Supported Reports
  • Reports can be Exported to Word, Excel, PDF, etc
  • Over 265 Reports on a Single Installation
  • Reports Menus Customized to What You Want
  • During Implementation
    • Own Reports Developed Without Charge
    • Fit Reports to Special Printers Without Charge
    • Train on How to Create/Modify Reports
  • During Use
    • New Reports can be sent Via Mail.
    • Write Own Reports - Data Dictionary Available
slide20

Implementation

IMPLEMENTATION PLAN

INSTALLATIONS

DATA LOAD

TRAINING

LIVE USE

OWN SUPPORT

SUPPORT AGREEMENT

slide21

ImplementationTasks

  • Data Loading for Big and Small Databases
    • Import from Excel wherever Possible – Use Templates
  • Training
    • Own or Assisted Training on Own Data.
  • Software Installation
    • Client PCs and Database on Server
    • Free Oracle 10g Express Server for members between 1000 and 3000
    • Free IBM DB2 C9X for members over 3000 to 20000
  • Can purchase licences for Oracle & DB2 Databases
  • Maintenance & Support Agreement - Available