1. PrimeSoft Solutions (K) Ltd
SAVCO
All Versions

2. 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, Windows 7, 2008 server and any newer versions. It is User Customizable and Fully Parameterized

3. Customer & Member Full Registers Loans, Deposits & Shares Management
What Does SAVCO Contain?
Customer & Member Full Registers
Loans, Deposits & Shares Management
Remittances & Statements
Banking Services (FOSA)
ATM & SMS Banking Services
Fixed Deposits Accounts
Commercial Shares Management
Customer Products Management
Dividends &Saving Interest
General Ledger Accounting & Reporting

4. Customer & Member Details
Official Details
Identifications
Classifications
Beneficiaries

5. Loan Management - Application
Loan Application
Guarantors
Commission Fees
Amortization

6. Loan Processing Flow Entered Into SAVCO Loan Application
Printed Copy Sent to Loan Committee
Loan Committee Approves or Rejects
Loan Approved in SAVCO by Loan Officer
Loan Applicant Advised
Loan Application
Enters Monthly Check off
Loan Appraisal

7. Workbench for Creating &Approving loans Appraisal & Approval Workbench
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

8. Loan Products to be Used Maximum & Minimum Loan Amount
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

9. Interest & Principal are Separated Loan Appraisals
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

10. Remittances and Statements
Transactions Entry for Each Individual
One by One or Bulk Entry as Journals
Pay Remittances:
Loan & Interest
Shares , Deposits & Others

11. Share Product Management – Commercial Shares

12. Business/Saleable Products & Market Activities

13. Between certain periods For only certain products
Business/Saleable Products & Valuations
You can (re)value what to pay the customers for their products by either
Between certain periods
For only certain products
Then post money to customer accounts

14. Customer Banking Services
Defining Accounts
Teller Activities
Unlimited Service Types
Unlimited A/C Types
Banking Controls

15. Minimum Operating Balance Opening & Closing Fees Interest Rate
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

16. Minimum Withdrawal in one Transaction
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

17. Fixed Deposits Management

18. Ledger & Cash Book Menu Ledger Accounting Chart Of Accounts
Journal Transaction
Recurring Journals
Asset Register
Import Transactions
Approval Controls
Budget Planning
Initialize Budgets
Import From Excel
Original Budgets
Revise Budgets
Finalize Budgets
Fully Customizable Chart of Accounts
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

19. User Management Controlled by User IDs and Passwords
User ID Can Be Define to Expire After a Certain Period
Can Control Whether they can Work Over Weekends
Can Control Whether they Should Sign After 5 PM
Users are Restricted to Windows and Activities They Perform.
They can be Allocated a Initial Default Window
They can be Allocated a set of Favourite Windows & Tasks
Cashiers can be Allocated an Account for Daily Balancing.
Cashiers can be Forced to Have Cash Before Operating.
Non Cashiers can be Denied Access to Teller Functions
User can be Restricted to Own Journals
More Restrictions and Controls are Available

20. Standard Reports Member Driven Teller Driven Customer Driven
Reports – Standard, Members & Customers
Standard Reports
Member Driven
Teller Driven
Customer Driven

21. Reports – Summary
No Limit on Supported Reports
Reports can be Exported to Word, Excel, PDF, etc
Average of 280 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

22. Implementation IMPLEMENTATION PLAN INSTALLATIONS DATA LOAD TRAINING
LIVE USE
OWN SUPPORT
SUPPORT AGREEMENT

23. Implementation Tasks 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

24. Based on Location & Size
Cost Breakdown
Description
Money
Installation/Setup & Initial Data Loading
Based on Size
Computers and Hardware (Network, Printers etc)
Customer Sourced
Software Products
Base Price
Expenses & Miscellaneous
Based on Location & Size
Totals
$$$$$$$$

25. PrimeSoft Solutions (K) Ltd
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