Harati Technology | X-PERT CMS (Co-operative Management System)

Product overview

X-PERT CMS is a complete Cooperative Management System designed for cooperatives and financial institutions to manage members, savings, loans, shares, accounting, inventory, budgeting, and financial reporting from a single platform. The system includes mobile collection solutions, Fonepay integration, SMS services, advanced reporting, and cloud-based features to help cooperatives operate efficiently and digitally.

Features & capabilities

Member & Account Management

KYM (Know Your Member)
Saving account creation
Loan account creation
Collector management
Party management
Product management
Passbook issue
Passbook verification
Cheque book issue
Saving account close
Loan account close
Loan account renewal
Fixed account renewal

Accounting & Financial Management

Journal voucher
Receipt voucher
Payment voucher
Bank reconciliation
Fund transfer
Cash denomination
Depreciation calculation
Profit appropriation
Other transactions
Central settlement
Agent commission transfer
Interest calculation
Outstanding interest management
Fine and penalty management

Share Management

Share distribution
Share transfer
Share return
Bonus share
Cash dividend

Savings & Loan Management

Collector collection
Counter deposit
Withdrawal
Loan application
Loan disbursement
Loan repayment
Journal repayment
Loan loss provision
Loan recovery
Interest calculation
Outstanding interest, fine and penalty tracking

Inventory & Budget Management

Purchase bill
Sales bill
Purchase return
Stock transfer
Stock transaction
Goods destroy
Budget design
Budget transfer
Budget closing
Work plan management

Restrictions & Security Management

Account number block
Account number unblock
Cheque number block
Cheque number unblock
Release hold amount
Update hold amount
Transaction control and monitoring

Mobile Collection & Digital Services

Mobile loan collection sheet
One-click synchronization with software
Cloud-based access
Fonepay integration
Co-operative to co-operative transfer
Co-operative to bank transfer
QR payment services
Utility payment services
Remittance services
Mobile top-up services

SMS & Reporting System

SMS for deposits
SMS for withdrawals
SMS for loan repayment
Bulk SMS services
Customer notification system
Daybook
Cashbook
General ledger
Trial balance
Profit and loss statement
Balance sheet
Profitability report
Composite trial balance
Account vs ledger analysis
Loan ageing report
Loan maturity report
Spreadsheet reports
Loan defaulter report
30+ management and financial reports