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Deca Cooperative sign-in

For cooperative societies in Nigeria

Your cooperative's money, clear for every member.

Deca helps thrift, savings and loan cooperatives keep their savings, fees, loans and payouts in one place. Officers keep the records. Members see them in the app.

Get the app Cooperative sign-in

Good morning, Ada

Example

My savings

₦250,000.00

Up to date

  • Approved Monthly savings ₦10,000
  • Due Loan repayment ₦11,500
What a member sees in the Deca app (example figures).

How it works

Three steps, the way your cooperative already works

  1. Step 1: Officers record

    The clerk or treasurer records a payment, fee, loan or payout on the web.

  2. Step 2: A second officer approves

    Another officer checks the entry and approves it. Nobody approves their own entry.

  3. Step 3: Members see it

    Once approved, the member sees it in the app and gets a notification.

For members

Your money, in your pocket

  • See your savings, loans and payments at any time
  • Apply for a loan from your phone
  • Get notifications about your account
  • See your loan repayment dates and amounts

Get the app

iPhone: coming soon App Store

Android: coming soon Google Play

For officers

Run the cooperative from one place

For the Chairperson, Treasurer, Secretary, Loan officer, Clerk and Auditor, each with the right access for their role.

  • Record payments and approve them with a second officer
  • Give loans with a saved repayment schedule
  • Manage payouts, members and payment types
  • See who did what in the audit trail
Sign in to your cooperative

Built for trust

Records your members can rely on

  • Four-eyes approvals

    Every entry is checked by a second officer. Nobody approves their own entry.

  • Audit trail

    See who recorded, approved or changed each entry, and when.

  • Two-step sign-in

    Deca's own staff sign in with a password and a second step.

  • Naira-accurate records

    Amounts in naira are kept exactly, down to the kobo.

Questions

Common questions

Who is Deca for?

Cooperative societies in Nigeria, such as thrift, savings and loan cooperatives. Officers run the cooperative on the web, and members follow their own money in the mobile app.

Can one officer record a payment and approve it too?

No. Every entry needs a second officer to approve it, so nobody approves their own work. Deca also keeps a record of who recorded and who approved each entry.

How is loan interest worked out?

Each cooperative sets its own rate, for example ₦15 for every ₦1,000 borrowed, each month. When a loan is given, Deca saves the repayment schedule so the member and the officers see the same dates and amounts.

What can members do in the app?

See their savings, loans and payments, apply for a loan, and get a notification when something changes on their account.

Is our members' information safe?

Yes. Member information is protected. Deca's own staff use two-step sign-in, and the audit trail shows who did what and when.