Cicirl Credit - Loan and Savings Management

CicirlCredit is a multi-tenant, cloud-based SaaS platform purpose-built for savings and credit cooperatives (SACCOs), microfinance institutions, and NGOs operating across Africa. Rather than stitching together spreadsheets, paper registers, and disconnected mobile money apps, organizations run their entire member-facing and back-office operation from one connected system — with each SACCO getting its own fully isolated, white-labeled environment under a single installation.

The users are able to create and manage savings accounts in multiple currencies set by the administrator

Feature highlights (scannable list — good for a features page or comparison table)

• Loan Management — configurable products, application-to-disbursement workflow, guarantors & collateral, restructuring, group lending, automated credit scoring
• Savings & Shares — multi-currency accounts, fixed deposits, dividends, member share purchases
• Member Self-Service Portal — savings, loans, shares, withdrawals, KYC, 2FA, support tickets
• Mobile Money & Payments — MTN MoMo through Flutterwave, Airtel Money, Paystack, Stripe, PayPal
• Accounting — chart of accounts, general ledger, journal entries, automatic loan posting, full financial reports
• Security & Compliance — two-factor authentication, full audit logging, AML transaction flagging, configurable approval workflows
• AI-Assisted Insights — natural-language reporting and loan risk summaries, using each organization's own OpenAI key
• HR & Operations — staff leave management, events, support desk, SMS/email campaigns
• Multi-Tenant & White-Label — isolated data per organization, custom branding, a real public website per SACCO
• Multi-Language — full translation management for serving members in their own language

Please click remove Frame if your unable to login

Test Logins

Admin Login Email: admin@example.com Pass: password

User Email: cathy@gmail.com Pass: password

Features

• Multiple Savings Account
• Multi Currency
• Emailing System
• Loan Management
• Automated Interest Calculation
• Savings Management
• Withdrawals Management
• Member Management
• Employee Management
• Expense Management
• Leave Management
• Software Settings
• Reports
• Events Management
• Email Notifications
• Loan Repayments
• Secured against XSS, SQL, and CSRF vulnerabilities.
• Apply interest rates
• View Daily reports
• SMS Marketing
• Fixed Deposits / Term Savings
• Group Lending / Chamas / SACCO Groups
• Online Payments
• Guarantors & Collateral Management
• Loan Restructuring / Refinancing
• Credit Scoring Engine
• Shares & Dividends
• Chart of Accounts
• General Ledger
• Journal Entries
• Financial Reports
• Ticketing / Support Desk
• Referral Program
• Approval Workflows Engine
• Audit & Compliance Center
• AI Features (OpenAI-powered)
• Multi-Language Support

Requirements

• PHP  8.4 and above
• Laravel 13
• MySQL 5.1+
• Live or Local Server
• Curl PHP Extension
• Intl PHP Extension
• Mbstring PHP Extension
• OpenSSL PHP Extension
• PDO PHP Extension
• Fileinfo PHP Extension
• BCMath PHP Extension
• Gettext PHP Extension
• JSON PHP Extension
• XML PHP Extension

Instructions

Unzip the downloaded zipped file, extract and access the documentation folder for installment instructions. Please read upgrade guide if your using the old version