Koperasi Syariah

PT Sinar Teknologi Retailindo

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About this app

Sharia Cooperative Application — Savings and Loans. Manage your cooperative easily, quickly, and in accordance with Sharia principles: no usury, no interest.

Designed for cooperative administrators, treasurers, and Sharia financial managers who want to manage savings and loans digitally on one device.

✨ KEY FEATURES

👥 Manage Members
• Add, edit, and search member data
• Automatic member number (AGG-xxxx)
• Active/inactive status with balance protection

💰 Sharia Savings
• 3 types: Principal, Mandatory, and Voluntary
• Deposits & withdrawals with automatic validation
• Balance recap for each member and the entire cooperative
• Complete transaction history with period filter

🏦 Qardhul Hasan Financing
• Interest-free loan application with flat % ujrah
• Complete flow: application → approved → disbursed → paid in full
• Installment schedule calculated automatically (tenor 1–36 months)
• Sequential installment payments with late detection
• Ta'zir fines automatically added to the Social Fund (not income)

📊 Reports & Exports
• 5 reports: Members, Savings, Loans, Installments, Social Funds
• CSV export saved directly to your device
• Transparent records: social funds ≠ cooperative income

🧮 Built-in Calculator
• Qardhul Hasan installment simulation
• Ta'zir fine calculator (educational)

🔒 PRIVACY & DATA
• 100% offline — data stored securely on your device
• No account, no internet, no fees

📱 This app is a sharia-compliant savings and loan solution for modern cooperatives that want to remain trustworthy and transparent.

💡 Note: Developed by SNR — also check out our other apps
in the "More Apps" menu within the app.