Home Products FelmuCBS

A complete core banking system for SACCOs, microfinance & banks

FelmuCBS runs a financial institution end to end — member savings and current accounts, loans, teller and cash, treasury and FX — on one bank-grade, double-entry ledger, with maker-checker controls, a full audit trail and multi-branch built in.

Savings & loansTeller & cashBank-grade GLMaker-checker controls
Bankers running savings, loans and the ledger on the FelmuCBS core banking dashboard
The banking core

Everything a financial institution runs on

Members, savings & current accounts

Full CASA — member and customer accounts, savings and current, interest calculation, standing instructions and statements.

Loans, end to end

Origination, appraisal, disbursement, repayments and interest — with every movement posted to the ledger automatically.

Teller & cash management

Tills, vaults and cash-in-transit across every branch, with cash movements controlled, reconciled and never double-counted.

Treasury & foreign exchange

Nostro positions, FX dealing and revaluation — kept clean against the general ledger, not bolted on.

End-of-day processing

Automated end-of-day batch runs interest accruals, charges and postings reliably, every night.

Maker-checker & segregation of duties

Every sensitive action is dual-controlled, with segregation of duties enforced across the institution.

Bank-grade accounting

One real ledger — no bolt-on ERP

Customer deposits and loans stay in their subledgers; the institution's own books run on a full double-entry general ledger that reconciles to them.

Double-entry general ledger

A full chart of accounts with cost centres and dimensions, accounting periods, soft and hard close, and year-end — one ledger for the whole institution.

Procure-to-pay

Vendors, RFQ, purchase orders and commitments, goods receipt, three-way-matched invoices and controlled payment runs.

Assets, inventory & budgets

Fixed assets and work-in-progress, stores inventory, and budgets with commitment control.

Reconciliation & reporting

Bank, nostro and control-account reconciliation, plus trial balance, P&L, balance sheet, cash flow and management packs.

Built for institutions

Controls, trust and scale

Full audit trail & documents

A complete, tamper-evident audit trail, document management and locked, sequential numbering.

Role-based access

Fine-grained permissions and ready-made role packs — each officer sees exactly what their job needs.

Multi-branch, multi-currency

Run many branches and currencies on one system, with inter-branch handled properly — deployed in Kenya and Zambia.

Management & regulatory reporting

A reporting framework for management packs and the regulatory returns your central bank expects.

Ready to see FelmuCBS on your institution's numbers?

Book a walkthrough with the team — savings, loans, teller, treasury and the ledger, on a system built for SACCOs, microfinance institutions and banks.

Request a demo