MEMBER DIRECTORY
Members, eligibility & messages
Verify membership, set loan eligibility for every active member, and send a one-to-one SMS when needed.
Credit control: A member must be active, KYC-verified, and marked eligible before they can submit or receive a new loan. Every eligibility change is recorded in the audit log.
CREDIT OPERATIONS
Loan requests
Review the member’s eligibility under SACCO policy before recording a final decision.
Control: Approval checks the member’s latest eligibility status, member-specific loan limit, and active-loan limit before the simulated disbursement is posted.
CREDIT COLLECTIONS
Loan repayments
Record a confirmed repayment or, where SACCO policy and documented authority allow it, offset a loan from the member’s cleared savings balance.
Demonstration mode: These actions update the simulated ledger only. They do not collect real money or debit an external payment account.
FINANCE OPERATIONS
Withdrawal approvals
Release only after confirming the member’s cleared balance and the destination details.
Demonstration mode: You cannot release your own withdrawal. Releasing this request records a simulated payout only; no money is sent. If Yoola SMS is enabled, the member receives a real SMS receipt about the demonstration.
FINANCIAL OVERSIGHT
Transaction records
Latest deposit, withdrawal, and other payment records. Amounts are in Ugandan shillings.
Demonstration mode: these are simulated transactions. No real money has moved.
MESSAGE DELIVERY
SMS & email records
Review demo email evidence and the status of any real SMS submitted to Yoola.
Important: payment records remain a demonstration. A Yoola receipt confirms message submission only—not a money transfer. Email remains simulated until an email provider is configured.