The Financial Operating System
for Cooperative Finance
Manage members, savings, and loans — all in one place. Built for njangi groups, SACCOs, MFIs, and cooperatives across Cameroon and Africa.
Your cooperative's finances, at a glance
The CoopWave dashboard delivers a real-time snapshot of your savings pool, active members, monthly collections, and loan health — the moment you log in.
Trusted by cooperatives across Cameroon
Managing a cooperative shouldn't feel like this
Excel spreadsheets everywhere
Member records, contribution lists, loan tracking — all in disconnected files that nobody can find.
Who paid and who didn't?
Every meeting starts with 20 minutes of checking who's in arrears. It shouldn't be this way.
Dreading your next audit
COBAC reports, trial balance, member statements — generated manually, prone to errors, always late.
One platform. Every tool your cooperative needs.
Member Management
Full member profiles, groups, status tracking, and bulk operations.
Savings & Accounts
Multiple savings products, automatic interest, and full transaction history.
Loan Portfolio
Applications, disbursements, repayment tracking, and PAR monitoring.
OHADA Accounting
Double-entry ledger, chart of accounts, and automated financial statements.
Instant Reports
Member statements, contribution reports, and regulatory reports in PDF or CSV.
Mobile Member Portal
Members check balances, loan status, and download statements on their phones.
Every member. Every detail.
Always in order.
CoopWave gives you a complete view of your membership — from first onboarding to status tracking. Stop hunting through spreadsheets.
- Full member profiles with auto-generated member IDs
- Instant search and filter across your entire membership
- Status tracking: active, dormant, or suspended
- Organise members into groups for bulk contribution sessions
Record contributions
in seconds, not hours.
Whether you collect from 5 members or 500, CoopWave handles it. Record individually or run a bulk session — balances update instantly and journal entries post automatically.
- Multiple savings products with custom interest rates
- Individual and bulk contribution recording in one session
- Full transaction history: deposits and withdrawals
- Automatic double-entry journal posting on every transaction
Lend with confidence.
Collect without hassle.
From application to final repayment, CoopWave tracks every loan in your portfolio. Know exactly who owes what, how long they've been in arrears, and your loan book's health.
- Review and approve loan applications with one click
- Disburse loans with automatic journal entry creation
- Track active loans, repayment schedules, and history
- Monitor Portfolio at Risk — PAR30 and PAR90
Professional bookkeeping,
built for Africa.
CoopWave ships with a 77-account OHADA-compliant chart of accounts pre-loaded. Every transaction automatically posts a balanced journal entry — zero manual bookkeeping required.
- 77-account OHADA-compliant chart of accounts, pre-loaded
- Every transaction auto-posts a balanced journal entry
- Trial balance and financial statements on demand
- Full audit trail — every entry is timestamped and signed
Trusted by cooperatives across Africa
"CoopWave transformed how we manage our 200+ members. The loan tracking alone saves us hours every week. I wish we'd had this years ago."
Marie Njike
Treasurer · Yaoundé SACCO
"The OHADA accounting integration means our external audits are now completely stress-free. Everything balances automatically. Our auditor was genuinely impressed."
Pierre Atangana
Chief Accountant · Douala Cooperative Credit
"Our members love being able to check their savings balance directly from their phones. Adoption was instant and complaints dropped to zero."
Grace Fon
General Manager · Northwest Women's Njangi
Up and running in minutes
Register your cooperative
Sign up, choose your plan, and get your own CoopWave address in under 5 minutes.
Add your members
Import your member list or add them one by one. Set up savings products and loan types.
Start managing finances
Record contributions, disburse loans, and generate reports — from day one.
Built for every type of cooperative
Njangi Groups
Rotating savings circles. Track cycles, contributions, and payouts.
SACCOs & Credit Unions
Full member savings + lending operations with regulatory reporting.
Micro-Finance Institutions
COBAC-compliant MFI management with PAR monitoring and provisioning.
Agricultural Cooperatives
Harvest-cycle savings and input loans built for farming communities.
Simple, transparent pricing
Start free for 90 days. No credit card required.
All plans include a 90-day free trial. No credit card required.
Ready to bring your cooperative into the digital age?
Join cooperatives across Cameroon already using CoopWave to manage their finances.