Cooperative society accounting with a passbook for every member
Share capital, savings, loans and dividends for every member, with the society's ledger, annual accounts and cooperative audit papers coming from the same entries.
- Member records
- Share capital
- Savings
- Loans
- Digital passbook
Cooperative society accounting software records each member's shares, savings and loans and the society's own books in one place. EOMS BD's system for Bangladeshi credit and multipurpose cooperatives updates the member passbook, the society register and the ledger with every entry, calculates interest and dividend, and prepares the annual accounts and schedules needed for the cooperative audit and AGM.
সমবায় সমিতির হিসাব সফটওয়্যার
সমবায় সমিতির হিসাব সফটওয়্যার প্রতিটি সদস্যের শেয়ার, সঞ্চয় ও ঋণ এবং সমিতির নিজের হিসাব এক জায়গায় রাখে। EOMS BD-র সিস্টেমে প্রতিটি এন্ট্রি সদস্যের পাসবই, সমিতির রেজিস্টার ও লেজার একসাথে আপডেট করে, সুদ ও লভ্যাংশ হিসাব করে এবং সমবায় অডিট ও বার্ষিক সাধারণ সভার জন্য বার্ষিক হিসাব তৈরি করে।
Where cooperative books get stuck
Cooperatives run on trust between members, and that trust depends on every member's balance being right and easy to check.
Paper passbooks
Member passbooks and the society register disagree, and nobody knows which one is correct.
Interest and dividend
Interest on savings and year-end dividend are calculated by hand for hundreds of members.
Committee changes
When the committee or treasurer changes, the books and knowledge leave with them.
Audit papers
Cooperative audit needs member-wise lists and schedules that take weeks to prepare.
Post an entry and watch the member's passbook update
Choose a savings deposit, loan instalment, withdrawal or share purchase, enter an amount and post it. The member's balances update and the matching ledger entry is shown.
- Member records
- Share capital
- Savings
- Loans
Each entry updates the member’s passbook, the society register and the ledger at once, with an optional SMS to the member.
What your organisation gets
Member records
Admission, nominee, share certificate, status and full history for every member.
Share capital
Share purchases, transfers and refunds, with share registers for the AGM.
Savings
Regular and fixed savings with interest rules and member statements.
Loans
Loan applications, approvals, instalment schedules, recovery and overdue lists.
Digital passbook
Each member's passbook always matches the society's books, with optional SMS.
Society accounts
Vouchers, cash and bank books, ledger and trial balance for the society itself.
Surplus and dividend
Year-end surplus, transfers to reserve funds and dividend per member calculated.
Annual accounts and audit
Statements and member-wise schedules ready for the cooperative audit and AGM.
A complete NGO accounting system: software and service
Switch on only what you need. Hand us the whole job, or let your own team run the software.
Accounts
- Chart of accounts mapped to MRA/donor formats
- Vouchers with approval steps
- Ledger, cash and bank books
- Trial balance and statements
- Budget vs actual
Loans
- Product-wise disbursement & recovery
- Service charge (declining balance)
- Accrued service charge
- Write-off, waiver, rescheduling
- Loan ageing & provision
Savings & insurance
- General, voluntary & term savings
- Interest on savings
- Savings adjustment on closing
- Micro-insurance / risk fund
- Admission & passbook fees
Branches & funds
- HO, zone, area, branch structure
- HO current accounts & fund transfers
- Consolidated statements
- PKSF & bank borrowings
- Reserve & disaster funds
Donor projects
- Restricted & unrestricted funds
- Donor & budget-line coding
- Shared-cost allocation
- Advance and liquidation
- Donor financial reports
People & assets
- Payroll with field allowances
- Provident fund & gratuity
- Staff loans & security deposits
- Fixed assets & depreciation
- Tax & VAT deducted at source
Reports
- MRA-format monthly/quarterly/annual
- PKSF and lender reports
- NGO Affairs Bureau project accounts
- PAR, OTR, OSS, FSS
- Audit-ready statements & notes
Control & ownership
- Keep your current MIS
- Role permissions & audit trail
- Written NDA, your data stays yours
- Daily backup, cloud access
- Bangla + English, Excel/PDF
First consultation free, then a written quote
Tell us your branches and members, projects and donors, current software and the reports you need. We send a work plan and a line-by-line written quote, with no hidden charges.
Six kinds of organisation, one accounting system
Each has its own regulator, rules and reports, and the system is set up for that.
How we start, in 5 steps
Collect member balances
Shares, savings and loans for each member, agreed with the register.
Set the rules
Interest, loan and dividend rules from your by-laws and committee decisions.
Load and check
Opening balances loaded and passbooks printed for members to confirm.
Run month by month
Collections, loans and expenses posted; member statements on request.
Close the year
Surplus, reserves, dividend, annual accounts and audit papers prepared.
Paper registers versus cooperative accounting software
| Paper registers | Cooperative software | |
|---|---|---|
| Member balance | Passbook and register may differ | One record, always the same |
| Interest | Calculated by hand | Calculated automatically |
| Dividend | Days of work at year-end | Per member in minutes |
| Member statements | Copied by hand | Printed or sent by SMS |
| Committee change | Knowledge leaves | Books stay in the system |
| Audit papers | Weeks to prepare | Produced from the system |
Frequently asked questions
It is the accounting of a cooperative: members' shares, savings and loans, the society's income and expenses, reserve funds, surplus and dividend, and the annual accounts presented at the AGM and audit.
Free tools exist, but most lack member passbooks, interest and dividend rules or audit schedules. EOMS BD offers a system with these, plus setup, training and support, at a written quoted price.
Yes. Members can receive passbook statements and SMS confirmations for each deposit and instalment.
From the year's distributable surplus after reserve transfers required by law and your by-laws, divided by shares held, according to the committee's decision.
Yes. Member-wise share, savings and loan lists, the annual accounts and supporting schedules come from the system.
Yes. Our team can post entries, reconcile, prepare member statements and close the year for your cooperative.
Yes. Screens, passbooks and reports are available in Bangla and English.
More on NGO & microfinance accounting
Give every member a passbook they can trust
Tell us your number of members and what you offer them. We will show a demo and send a written quote.
+880 1784-222255info@eomsbd.com · Dhaka, Bangladesh