Cooperative and Loan Management Software in Nigeria
Lifehampers builds cooperative society and loan management software for cooperatives, thrift groups and lenders in Nigeria, tracking member savings, loans, repayments and dividends accurately.
Accurate Records Members Can Trust
Cooperatives and lenders depend on trust, and trust depends on accurate records. Manual ledgers make it hard to show members their balances, calculate interest correctly or spot overdue loans early. Loan and cooperative software keeps every naira accounted for.
Typical features we build:
- Member registration and savings accounts
- Monthly contributions, including payroll deductions from employers
- Loan applications, approval workflow and guarantors
- Repayment schedules, interest calculation and penalties
- Overdue alerts by SMS or WhatsApp
- Member portal showing balances and loan statements
- Dividend calculation and annual reports
Members See Their Balances
A member portal and statements reduce disputes and build confidence.
Control Loan Risk
Track repayments, guarantors and overdue loans before they become bad debts.
End-of-Year Made Easy
Interest, dividends and reports are calculated from the records, not by hand.
Who It Is For
Staff cooperative societies, thrift and credit cooperatives, esusu and contribution groups, and licensed lenders.
Licensing Note
We build the software; lending to the public in Nigeria requires the appropriate licence, which remains your responsibility.
Frequently Asked Questions
It records member savings and contributions, manages loans and repayments, calculates interest and dividends, and gives members access to their statements.
Yes. We generate deduction schedules for employers and reconcile what is received.
Yes. Members apply through a portal, and applications follow your approval and guarantor rules.
Yes, using the rates and rules set by your cooperative or lending policy.
Yes. Access is role-based, actions are logged and data is protected in line with the Nigeria Data Protection Act.
Ready to Modernise Your Cooperative?
Lifehampers builds cooperative and loan management software across Nigeria.