Built by 
Why FinGrove — Microfinance & Cooperative Management Software
What makes it better
than the alternatives
- 01
Automatic double-entry ledger
Every money movement posts a balanced journal entry; trial balance, P&L and balance sheet are always up to date
- 02
Real loan mathematics
Flat and declining-balance (annuity) schedules, weekly/bi-weekly/monthly installments, grace days, late penalties, processing and insurance fees, guarantors, write-offs
- 03
Field collection workflow
Officers generate center meeting sheets on mobile, fill collection amounts, branch posts them in one click to savings and loan accounts
- 04
Portfolio quality dashboard
PAR30/PAR90, repayment rate, arrears aging, officer and product performance on the dashboard and in 84 filterable, exportable reports
- 05
Three portals with distinct roles
Admin panel (Super Admin, Branch Manager, Accountant, Loan Officer, Field Officer), staff portal (selfie + GPS check-in, live location map, tasks, leave, payslips), member portal (balances, schedules, passbook, statements, support)
Members & KYC
- Member registration with admission workflow (pending
- verified
- active
- suspended
- exited)
- KYC documents upload and verification
- Nominees and guarantors
- Centers (groups) with meeting schedules and assigned field officers
- Share capital purchase and tracking
- Member portal with login by member number or phone
Savings & Deposits
- Regular savings accounts (unlimited deposits/withdrawals)
- Recurring deposit schemes (fixed monthly installment
- maturity payout)
- Fixed deposits (lump sum
- interest on maturity
- auto-renew option)
- Deposit and withdrawal transactions via cash
- bank or mobile money
- Passbook and statement generation
- Automatic interest posting (scheduled command)
Loans
- Loan application workflow (pending
- appraised
- approved
- disbursed
- rejected)
- Flat and declining-balance (annuity) repayment schedules
- Weekly
- bi-weekly
- monthly installment frequencies
- Processing fees
- insurance fees
- grace days
- late penalties
- Guarantors and collateral tracking
- Repayment posting
- partial payments
- prepayments
- write-offs
- Arrears tracking with PAR30/PAR90 reports
Field Collection
- Center meeting collection sheets generated from expected savings and loan installments
- Officers fill collection amounts on mobile
- Branch posts sheets in one click to deposit and loan accounts
- Collection history per center
- GPS check-in and live field staff location map
Accounting
- Automatic double-entry ledger (every transaction posts a balanced journal entry)
- Chart of accounts with asset
- liability
- equity
- income
- expense categories
- Manual journal vouchers (journal
- payment
- receipt
- contra)
- Cash closing with denomination count and variance tracking
- Bank account register and fund transfers between branches
- Trial balance
- income statement
- balance sheet reports
- Ledger account statements with opening/closing balances
HR & Payroll
- Employee records with designation
- department
- salary
- bank details
- Attendance register (present
- late
- absent
- leave
- holiday) with check-in/check-out times
- Leave requests (annual
- sick
- casual
- maternity) with approval workflow
- Payroll runs with basic salary
- allowances
- deductions
- net pay
- Payslip generation and download
- Staff portal with selfie + GPS check-in
- tasks
- leave requests
- payslips
Reports & Analytics
- 84 ready-made reports across members
- savings
- loans
- collection
- accounting
- HR
- engagement
- Portfolio quality: PAR30/PAR90
- repayment rate
- arrears aging
- officer performance
- Loan reports: disbursements
- repayments
- arrears
- write-offs
- product performance
- Savings reports: balances
- transactions
- maturity schedule
- Accounting reports: trial balance
- income statement
- balance sheet
- cash flow
- HR reports: attendance summary
- leave balance
- payroll summary
- All reports filterable by date range
- branch
- product
- officer; exportable to CSV
Member Portal
- Login by member number or phone
- Dashboard with savings balances and active loans
- Loan schedules with paid/due installments
- Passbook and statement download
- Support ticket submission and tracking
Staff Portal
- Login by employee code
- email or phone
- Selfie + GPS check-in with live location tracking
- Task list assigned by admin
- Leave request submission
- Payslip download
- Collection sheet access (view and fill on mobile)
System & Settings
- Multi-branch with branch-level data isolation and head-office consolidated views
- User management with roles (Super Admin
- Branch Manager
- Accountant
- Loan Officer
- Field Officer)
- Deposit and loan product configuration (interest rates
- terms
- fees
- penalties)
- Organization settings (name
- logo
- currency
- fiscal year
- SMS gateway)
- Database backups (MySQL dump) with download
- Audit log (user actions) and login activity tracking
- SMS notifications (optional gateway integration)
- Notices and alerts for staff and members
| Language | Version | Framework | Used for | Share of code |
|---|---|---|---|---|
| PHP | — | — | Web, API | 89.7% |
| SQL | — | — | Database | 8% |
| CSS | — | — | Styling | 1.8% |
| JavaScript | — | — | Front-end | 0.4% |
| Shell | — | — | Scripts | 0.1% |
- Primary language
- PHP 8.2+
- Framework
- Laravel 12
- Database
- MySQL 5.7+ / MariaDB 10.3+ / PostgreSQL 12+ / SQLite 3.35+
- Authentication
- Session-based (3 guards: admin, staff, member)
- Licence
- Single-site
- Screens
- 87
- Database tables
- 41
- Supported languages
- English only
- Browser support
- Modern browsers (Chrome, Firefox, Safari, Edge — ES6+)
| Minimum | Recommended | |
|---|---|---|
| CPU | 1 vCPU | 2 vCPU |
| RAM | 2 GB RAM / 10 GB SSD | 4 GB RAM / 20 GB SSD |
| OS | Ubuntu 20.04+ / Debian 11+ / CentOS 8+, PHP 8.2+, MySQL 8.0+ or MariaDB 10.6+ | Ubuntu 20.04+ / Debian 11+ / CentOS 8+, PHP 8.2+, MySQL 8.0+ or MariaDB 10.6+ |
| Est. monthly hosting | $15 | $15 |
```bash cp .env.docker.example .env.docker # Edit .env.docker: set DB_PASSWORD and DB_ROOT_PASSWORD docker-compose up -d docker-compose exec app php artisan fingrove:install --org="Your Org" --email=admin@example.com --password=Secret123 --currency=$ --no-interaction ```
```bash sudo apt update && sudo apt install -y nginx mysql-server php8.2-fpm php8.2-mysql php8.2-mbstring php8.2-xml php8.2-curl php8.2-zip php8.2-gd unzip curl -sS https://getcomposer.org/installer | php -- --install-dir=/usr/local/bin --filename=composer sudo mysql -e "CREATE DATABASE fingrove; CREATE USER 'fingrove'@'localhost' IDENTIFIED BY 'strong-password'; GRANT ALL ON fingrove.* TO 'fingrove'@'localhost'; FLUSH PRIVILEGES;" cd /var/www && sudo git clone <repo-url> fingrove && cd fingrove/fingrove-app sudo chown -R www-data:www-data /var/www/fingrove sudo -u www-data composer install --no-dev --optimize-autoloader sudo -u www-data cp .env.example .env # Edit .env: set APP_URL, DB_* credentials sudo -u www-data php artisan key:generate sudo -u www-data php artisan fingrove:install --org="Your Org" --email=admin@example.com --password=Secret123 --no-interaction # Configure Nginx: root /var/www/fingrove/fingrove-app/public; try_files $uri $uri/ /index.php?$query_string; sudo systemctl restart nginx php8.2-fpm ```
```bash # Upload fingrove-app/ to public_html/ # In cPanel: create MySQL database + user, note credentials cp .env.example .env # Edit .env via File Manager: set APP_URL, DB_* credentials, APP_ENV=production, APP_DEBUG=false php artisan key:generate php artisan fingrove:install --org="Your Org" --email=admin@example.com --password=Secret123 --no-interaction # Set document root to public_html/public in cPanel # Add cron: cd /home/user/public_html && php artisan schedule:run >> /dev/null 2>&1 ```
```bash cd fingrove-app composer install cp .env.example .env # Set DB_CONNECTION=sqlite in .env touch database/database.sqlite php artisan key:generate php artisan fingrove:install --demo --no-interaction php artisan serve # Open http://127.0.0.1:8000/admin/login — demo credentials shown on page ```
Quality report
Manually reviewedHow to read the quality report
What this is. Every project on Vibe96 goes through an automated audit of its source code before a reviewer in Dubai checks it by hand. The score is out of 100; 75 is the minimum to be listed, and any single failing check blocks a listing regardless of the score.
- Security
- No real credentials in the code, every data-changing route protected, admin areas role-gated, no SQL built from user input.
- Code structure
- A developer can navigate and extend it: clear module boundaries, no giant files, little copy-paste.
- Docs & completeness
- The setup guide, example config, schema and required files the builder committed to are actually in the archive.
- Dependency health
- Packages pinned, no known critical vulnerabilities, no abandoned libraries in production paths.
- Build & deploy
- A clean machine can restore, build and start it by following the shipped instructions.
Warnings are problems that didn't block the listing; they stay visible here until a later version clears them. The audit reads the code — it does not run it — so always try the live demo before you buy. Lines of code are counted from the same audited archive.
85/ 100
Automated audit score
✓ Passed the auditReviewer notes (5 minor)
Dependency versions are current; no known critical vulnerabilities detected; moderate code duplication and some oversized controllers; generally sound architecture; weak default credentials in demo setup and example files; several unindexed foreign keys, missing where in one delete, no injection paths; access control is strong overall; minor ownership gaps on read-only member/staff endpoints. None of these stop the software from working; the developer has been told and improvements come in a future update.
Versions & updates
No updates yet. New versions appear here with a changelog.
Buyers receive updates free for 1 year.
What you get
- </>Full source codeThe complete audited source, delivered as a download from your account. No obfuscation.
- ▤DocumentationSetup guide, architecture notes, CLAUDE.md and AGENTS.md.
- ↻One year of updatesEvery new version the builder publishes, free for 12 months.
- ♧30 days of supportInstallation and defect support through Vibe96 tickets.
