Digital Solution — Business Understanding & Outcomes
Step-by-step business understanding and what we will build, with clear outcomes for the customer.
NIME Co-operative Stores Ltd. runs:
All of this is currently done using Excel sheets and manual calculation.
| # | Process | What it is | Where it lives today |
|---|---|---|---|
| 1 | Installment Balance | Tracks each member’s loan: principal, installments paid, balance, interest, and amount due each month. | Excel: Installment Balance Nov'2025.xlsx |
| 2 | Member Monthly Deduction (NONOPR) | For each member, each month: what they owe (LPG, branches, installments, interest on balance) and what they paid. Balance carried to next month. | Excel: NONOPR WORKSHEET Dec '2025.xlsx |
| 3 | Salary | Staff salary: attendance, sales, gross (higher of attendance pay or PB), deductions, recovery of advances, net pay and bank-wise split (Canara, Co-operative, SBI). | Excel: Salary Jan'_2025.xls |
| 4 | Settlement Payment | When a member exits: Share + Deposit (with interest @6.25% P.A) + Dividend, minus dues and charges, rounded to Net payable. | Paper/PDF: Settlement Payment form |
Member ID (P No / PNO) is the same across Installment Balance, NONOPR, and Settlement. One member can have loans, monthly deductions, and at exit a single settlement.
Outstanding balances from Installment Balance and NONOPR feed into Settlement as “Credit Purchases dues” so the society deducts what the member owes before paying out.
Staff are identified by Employee No.; their advances (“sundry debtor”) are recovered from salary. Concept is similar to member recovery but for employees.
We propose a digital solution that keeps your same business rules but does the calculations automatically and gives you one place to manage data and generate reports.
We will build: A single place (database) for members (P No, name, branch, bank, etc.), employees (Employee No., name, designation, bank, basic, PB rate, etc.), loans (principal, installments, interest rule), and deposits & share (for settlement).
Outcome: No more copying PNO/names across multiple Excel files. One update reflects everywhere.
We will build: A module that takes member loans and applies your rules (installment amount, interest on balance, rest balance, rest installments) and produces the same view as your current Installment Balance sheet.
Outcome: Installment and interest calculated by the system; no manual formula errors.
We will build: A module that for each member and month computes TOTAL due (branch charges + installment + interest − adjustments), accepts REC AMT, and carries BAL AMT as next month’s PRV BALANCE.
Outcome: One worksheet per month, consistent logic, clear carry-forward of balances.
We will build: A module that uses attendance and sales to calculate Gross (higher of attendance pay or PB), applies deductions and sundry debtor recovery, and splits net pay by bank (Canara, Co-operative, SBI).
Outcome: Salary sheet and salary slips generated from one run; same logic every month.
We will build: A module that for a member (P No) pulls Share, Deposit + interest @6.25% P.A, and Dividend; subtracts Credit Purchases dues and charges; rounds to Net payable; and generates the Settlement Payment form (same layout as your current form).
Outcome: Correct, auditable settlement in one go; no manual interest or missed dues.
We will build: Report generation for Installment Balance, NONOPR worksheet, Salary sheet and slips, and Settlement Payment form — all from the same system.
Outcome: All key outputs from one place; same format every time; easy to archive and audit.
We will build: A simple web interface (HTML pages) where authorised users can view/update master data, run month-end (Installment → NONOPR → Salary), generate reports and slips, and create Settlement Payment for a member.
Outcome: No need to open multiple Excel files; one browser, one place, consistent process.
Member and employee data in one place; no duplicate or conflicting copies.
Interest, installments, salary, and settlement follow your rules every time; fewer errors.
Installment, NONOPR, and salary runs in sequence with a few clicks instead of manual Excel work.
Settlement amount and form generated with dues and interest applied correctly.
Same layout every month; easy to print, share, and file.
Who ran what and when can be recorded for audits.
New staff learn one system instead of many Excel files and formulas.
This way you see working results step by step and can give feedback before moving to the next process.
Today: Four main processes (Installment Balance, Member Deduction, Salary, Settlement) run on Excel and manual calculation, with data and logic spread across files.
We will build: A digital solution that keeps your rules, centralises data, automates these four processes, and delivers standard reports and slips — optionally through a simple web interface. An online e-commerce store (product listing, cart, order, invoice, member account) is included; see the E-Commerce Full Specification for all details.
Outcome for you: One place for data, correct and repeatable calculations, faster month-end, correct settlements, and a clear path to audits and handover.
If you agree with this understanding and outcomes, we can next fix the exact rules (e.g. interest rates and rounding) and then start with Phase 1.
→ View Schema, Architecture & AWS (Technology)
→ E-Commerce Store — Full Specification (product details, catalog, customer & admin pages, accounts, order flows)