For savings and credit cooperatives
Let every member
see their own money
We take the records you already keep and put them in your members' hands — savings, loan and dividend, on their phone, in your cooperative's name. You carry on working exactly as you do now.
Demo Cooperative
demo.ankiya.com
Total savings
Rs 96,600
+ Rs 12,400 this month
Loan outstanding
Rs 1,42,000
8 of 24 instalments paid
Dividend
Rs 7,830
Declared at 9%
- + 12,400
Deposit
Ashadh 18
- − 8,750
Loan EMI
Ashadh 15
- + 1,240
Interest credited
Ashadh 01
Open any time
Ten at night, a holiday, from another district — their account is there.
In your name
Your logo and your colors. Members are using your cooperative, not our software.
Nothing to relearn
Your books, your registers, your routine — all of it stays exactly as it is.
What changes
What actually changes at your cooperative
Very little on your side. A great deal on your members' — and that turns out to be the difference between a cooperative people trust and one they drift away from.
The balance question stops coming
Members check their savings, loan and dividend themselves, whenever they want. The queue at your counter for that one question disappears.
Members believe what they can see
Someone who can open their account and watch their savings grow stops wondering whether their money is being kept properly.
Statements without the trip in
A member who needs proof of savings for a loan gets it themselves — no visit to the office, and nothing for your staff to prepare.
You stop losing the younger ones
People who check their bank on their phone expect the same from their cooperative. When it's there they stay, and they bring others.
Getting started
You send a file. We do the rest.
Handing over your member list is the hardest thing you'll be asked to do. Nobody at your cooperative has to become a computer person.
01Send us what you already have
Your member register, in whatever shape it's in — a spreadsheet, an export from your old system, several files that don't quite agree. You don't have to tidy it up first.
02We show you what we found
Before anything goes live, you see it back: how many members we placed, and the exact ones we couldn't, with the reason for each. Nothing is guessed at, and nothing is saved until you're happy.
03Your members get their logins
We hand you the login details to give out, and the portal opens in your cooperative's name. Members can start checking their accounts the same week.
04Keep it current, in minutes
Send us your updated figures whenever you close your books — monthly, quarterly, however you work. It takes a few minutes and your members see the new numbers straight away.
Trust
A member who can check
doesn't have to wonder
Most doubt about a cooperative isn't really doubt — it's not being able to see. Someone hands over their savings every month and hears nothing until the annual meeting. Let them look whenever they like, and the wondering stops on its own.
- Only ever their own
- Each member sees their accounts and nobody else's. Their neighbour's savings are not their business.
- Details kept private
- Personal records are locked away, not sitting in a file anyone in the office could open.
- Easier questions at the AGM
- Members confirming what they've watched all year, instead of hearing it for the first time.
See it with your own members' names on it
Send us one of your member sheets. We'll set it up in your cooperative's name and colors — no cost, no commitment — so you can see exactly what your members would see.