Software Products
Purpose-built systems for modern enterprises.
From customized ERP platforms for cooperatives and corporations to precision payroll engines — our software products are designed to integrate seamlessly with your operations, ensure compliance, and drive efficiency.
Technology. Compliance. Growth.
Coop-One — The Offline-First Cooperative ERP
"Together as One"
A comprehensive, modular enterprise resource planning system engineered specifically for Philippine cooperatives. Manage members, share capital, savings, loans, field collections, double-entry accounting, governance, and automatic CIC credit reporting — all on one core platform across web, desktop, and mobile, online or offline.
Coop-One Core
Modular, multi-tenant & audit-ready
Offline-First Engine
Tellers and collectors keep working during outages with zero downtime and automatic background sync.
CDA & CIC Compliant
Built-in CDA statutory fund allocations, PMES enforcement, and 1-click CIC credit report generation.
Equity & Loans Engine
Share capital, savings deposits, diminishing loan amortization, and 70/30 patronage refund distribution.
Hash-Chained Audit
SHA-256 hash-chained append-only logs guarantee regulatory confidence and tamper detection.
Coop-One Presentation & Video Walkthrough
Explore our full video presentation and interactive Google Slides deck below, showcasing how Coop-One modernizes Philippine cooperative operations.
Video Presentation Walkthrough
Watch how Coop-One connects field collections, loan workflows, savings, and accounting seamlessly.
Presentation Slide Deck
Navigate through the official slide deck detailing architecture, compliance, and multi-tenant capabilities.
Seven Integrated Cooperative Modules
Each module operates independently or as a unified core — adopt what you need today and scale effortlessly as your cooperative grows.
Membership Management
Complete member lifecycle tracking with built-in CDA compliance controls.
- ✓ Full profiles: PH address (barangay/city/province), employment, spouse, banking, TIN, co-makers.
- ✓ Regular, associate, and institutional membership classifications.
- ✓ Auto-generated membership ID formatting (
COOP-YYYY-XXXX). - ✓ CDA checks: Mandatory PMES completion & BOD resolution for member activation.
Share Capital
Track member equity from initial subscription to statutory surplus distribution.
- ✓ Subscriptions, payments, refunds, transfers, common vs preferred shares.
- ✓ Real-time running share balances per member & aggregated share ledger.
- ✓ Automated dividend calculation (
Capital × Rate) & patronage refunds. - ✓ Enforcement of minimum subscription rules & reference tracking.
Savings & Deposits
Flexible member savings accounts with automated interest computation.
- ✓ Regular savings, time deposits, and special purpose deposit accounts.
- ✓ Automatic status tracking: Active, Dormant, or Closed accounts.
- ✓ Daily-rate interest accrual computations & credit batch posting.
- ✓ Strict withdrawal validation (sufficient balance & active status checks).
Loans Engine
End-to-end loan lifecycle management with Philippine fee & penalty compliance.
- ✓ Diminishing-balance and straight/add-on interest calculation engines.
- ✓ Philippine fees: Processing, notarial, collection, ROD, LTO, VAT, DST.
- ✓ Delinquency aging buckets (1-30...180+ DPD) & default 0.5%/day penalty.
- ✓ Workflow approval chain: Encode ➔ Verify ➔ Approve ➔ Disburse.
Field Collections
Engineered for mobile collectors operating on the ground without network coverage.
- ✓ Daily collection sheets, route optimization, and center/group assignments.
- ✓ Cash accountability: Expected vs. actual cash reconciliation.
- ✓ Remittance workflow (Pending ➔ Verified ➔ Approved / Rejected).
- ✓ Offline transaction logging with official receipt numbering.
Double-Entry Accounting
CDA-standard chart of accounts with automated statutory fund allocations.
- ✓ Enforced debits = credits validation, General Ledger, Trial Balance.
- ✓ Income Statement (Net Surplus), Balance Sheet, and Cash Flows.
- ✓ Statutory Funds: Reserve (10%), CETF (10%), CDF (3%), Optional (7%).
- ✓ Surplus split: 70% Patronage Refund + 30% Interest on Capital.
Module 07: Governance & Institutional Audit
Record Board of Directors resolutions, committee proceedings, and governance policies with tamper-evident audit trails.
Automated Credit Information Corporation (CIC) Reporting
Under CDA and Republic Act No. 9510 regulations, lending cooperatives are required to submit regular credit data to the Credit Information Corporation (CIC). Coop-One automates this entire pipeline directly from your live loan records.
One-Click CIC Submission
Generate the Basic Credit Report (BCR) and required CIC data files directly from loan data without manual encoding or spreadsheets.
Built-in Data Validation
Auto-checks member completeness, loan dates, and required fields before export — flagging errors before submission.
Official Template Compliant
Data exports strictly adhere to the official CIC specification template for seamless direct upload to the CIC portal.
Scheduled & Offline Queue
Configure monthly or quarterly auto-generation schedules. Reports generated offline queue safely and upload once reconnected.
Engineered to Hold Up in the Real World
From remote mountain barangays to multi-branch federations, Coop-One provides uninterrupted reliability, strong security, and flexible administration.
Offline-First Architecture
All writes commit instantly to a local database. The engine batches changes, polls every 30s, pauses offline, and auto-syncs on reconnect.
Benefit: Zero downtime for tellers and collectors; no lost transactions.Auto Conflict Resolution
Conflicts resolve via configured policies: Last-Writer-Wins, per-field CRDT merge, or manual review with exponential backoff retries.
Benefit: Data converges safely across devices without silent loss.Multi-Tenant & Multi-Branch
Every record is tenant-scoped with 3-layer database row-level security. Serve multi-branch coops or entire federations seamlessly.
Benefit: One infrastructure serves multiple coops or branches in total isolation.Tamper-Evident Audit Trail
Every create, update, or delete is logged in an append-only trail, SHA-256 hash-chained so tampering is instantly detected.
Benefit: Complete audit defense during CDA regulatory examinations.Role-Based Access (Offline)
Granular role permissions persist locally so security rules and field-level visibility continue enforcing even without internet.
Benefit: Authorized personnel see only what they need, anywhere.Customizable & Extendable
Tailor UI themes, custom entity fields, interest formulas, and approval workflows — or plug in new modules via standard APIs.
Benefit: Adapt the ERP to your exact coop rules without custom coding.Honoring Philippine Cooperative History — From 1916 to 2026
On October 20, 1916, 27 faculty and students founded the College Consumers Cooperative (CCC) at UP Los Baños with ₱4,000 capital — pioneering cooperative movement in the Philippines alongside patriots like Teodoro Sandiko, Jose Rizal, and Emilio Jacinto. Coop-One carries this legacy forward into the digital age with offline-first technology designed to serve rural and urban member-owners equally.
Cooperative Needs vs. How Coop-One Delivers
| Cooperative Requirement | How Coop-One Delivers |
|---|---|
| Uninterrupted operations during power/internet outages | Offline-first local writes + background auto-sync upon reconnection |
| Serve multi-branch or federation coops | Multi-tenant isolation with per-tenant branding and custom configurations |
| Pass CDA & CIC regulatory audits | Statutory allocations, 1-click CIC Basic Credit Report export, hash-chained audit logs |
| Control loan delinquency & credit risks | Days-Past-Due (DPD) aging buckets, delinquency flags, penalty rules, multi-stage approvals |
| Fair surplus & dividend distribution | Automated interest-on-capital dividend and 70/30 patronage refund calculations |
| Guaranteed financial accounting balance | Enforced double-entry engine (debits = credits) with standard financial statements |
Enterprise ERP
Scalable business management for corporations
Inventory & Supply Chain
Real-time stock tracking, purchase orders, and vendor management with reorder alerts.
Sales & Invoicing
BIR-compliant invoicing, sales order processing, and accounts receivable tracking.
Chart of Accounts
Configurable COA with multi-entity consolidation and segment reporting.
Role-Based Access
Granular permissions with audit trails and segregation of duties enforcement.
Customized ERP for Companies
A fully integrated enterprise resource planning system designed for corporations of all sizes. Streamline your accounting, inventory, procurement, sales, and human resources into a single, unified platform.
- checkFinancial Management
General ledger, accounts payable & receivable, bank reconciliation, and financial statement generation. - checkProcure-to-Pay
Purchase requisitions, approval workflows, vendor management, and automated payment processing. - checkOrder-to-Cash
Sales order management, delivery tracking, invoicing, and collection monitoring. - checkBIR Compliance
Built-in BIR tax computations, withholding tax, VAT, and expanded withholding tax forms.
Payroll System
A robust, BIR-compliant payroll engine that handles everything from timekeeping to government-mandated deductions. Process payroll with speed, accuracy, and full regulatory compliance.
- checkAutomated Payroll Computation
Salary, overtime, holiday pay, night differential, and 13th month pay computed automatically. - checkGovernment Deductions
Auto-computed SSS, PhilHealth, and Pag-IBIG contributions with updated contribution tables. - checkTax Compliance
Withholding tax on compensation computed per BIR graduated rates, with BIR Form 1601-C and 2316 generation. - checkPayslip Generation
Digital payslips with detailed breakdown of earnings, deductions, and net pay.
PayrollPro
Philippine-ready payroll management
Timekeeping Integration
Biometric and manual timekeeping with automatic overtime and tardiness calculation.
BIR Forms
Auto-filled 1601-C, 1604-C, 2316, and alphalist of employees for seamless BIR submission.
Bank Disbursement
Generate bank-ready payroll files for major Philippine banks (BDO, BPI, Metrobank, etc.).
Labor Cost Analytics
Department-level labor cost reports and budget-vs-actual variance analysis.
Built by Accountants,
Powered by Technology
Our software is developed with deep domain expertise in Philippine accounting, tax, and labor regulations — ensuring you get systems that are not just functional, but fully compliant.
Regulatory Compliant
All systems are pre-configured with updated BIR tax tables, SSS/PhilHealth/Pag-IBIG contribution schedules, and CDA reporting requirements.
Fully Customizable
Every organization is unique. We tailor chart of accounts, workflows, approval hierarchies, and reports to match your exact operational requirements.
CPA-Backed Support
Unlike generic software vendors, our support team includes certified public accountants who understand your financial and compliance questions in depth.
Ready to Digitize Your Operations?
Schedule a demo with our team to see how our customized ERP and payroll solutions can transform your cooperative or company.