One connected workspace
Keep essential operational information together instead of relying on disconnected notebooks, spreadsheets and messaging threads.
TondeSoft · Finance & Banking
🐷Industry-focused business software
SusuERP
Purpose-built software for traditional Susu collectors and thrift micro-savings companies across Ghana and West Africa. Equips field agents with Android offline apps to collect daily deposits, print instant slips, and prevent agent embezzlement.
Manage collectors, daily contributions, member balances, withdrawals, loans, collections and branch-level accountability.
✓ Workflow-focused✓ Management visibility✓ Configurable deployment✓ 31 modules in the catalogue
Designed for
Finance & Banking
Product focus
Connected operations
TondeSoft approach
Software that adapts to the way your business works.
A better way to manage
Make every daily contribution traceable from the market stall to the ledger
SusuERP gives collectors a simple way to record contributions and gives managers a reliable way to reconcile them. Savers get clearer balances, and the company gets stronger control over cash in the field.
Ideal for: Susu collection companies, market women savings schemes, informal finance operators.
Clearer accountability
Give team members defined responsibilities and help managers review actions, approvals and outstanding work.
Better business visibility
Use structured records and reports to understand activity, identify exceptions and make more informed decisions.
Designed around your operation
Discuss your branches, approval steps, reports and local operating requirements during product configuration.
Designed around your industry
Solve the everyday coordination challenges
A useful management system should connect the work people do every day with the information owners and supervisors need to make decisions.
Where work gets disconnected
Field collections, saver passbooks, agent commissions and withdrawals need dependable daily reconciliation.
How the system helps coordinate it
Register savers, assign collectors, record deposits and withdrawals, issue transaction references and reconcile each agent’s cash or wallet.
What decision-makers can review
Review member balances, collector performance, missed collections, daily cash positions and outstanding exceptions.
Problems we solve
Common headaches in finance & banking, and how SusuERP addresses them
Passbook entries that do not match office records
How it helps
Every contribution gets a reference so field records and office balances agree.
Collectors holding cash for long periods
How it helps
Daily reconciliation per collector flags shortfalls early.
Missed contributions going unnoticed
How it helps
Reports list savers who skipped days so follow-up is timely.
Before and after
What changes when your team switches to SusuERP
Without a system
With SusuERP
✗ Handwritten passbooks and exercise books
✓ Digital records with transaction references
✗ Balances confirmed at month-end
✓ Balance available after each contribution
✗ Commission calculated manually
✓ Commission computed from recorded collections
System capabilities
Explore the SusuERP modules
A closer look at the functions that can support your day-to-day activities. The final module setup can be aligned to your organization’s processes.
MODULE 01✳
Field Agent Android Daily Collection App
Manage field agent android daily collection app with consistent records, clear ownership and information that can be reviewed by the right team members.
MODULE 02✳
Instant SMS Receipt to Saver on Every Deposit
Manage instant sms receipt to saver on every deposit with consistent records, clear ownership and information that can be reviewed by the right team members.
MODULE 03✳
Daily, Weekly & Monthly Susu Cycle Tracking
Manage daily, weekly & monthly susu cycle tracking with consistent records, clear ownership and information that can be reviewed by the right team members.
MODULE 04✳
Automated Agent Commission Calculation
Manage automated agent commission calculation with consistent records, clear ownership and information that can be reviewed by the right team members.
MODULE 05✳
Anti-Fraud GPS-Stamped Transaction Audit
Manage anti-fraud gps-stamped transaction audit with consistent records, clear ownership and information that can be reviewed by the right team members.
MODULE 06✳
User roles and access control
Manage user roles and access control with consistent records, clear ownership and information that can be reviewed by the right team members.
Module explorer
Everything inside SusuERP
Search the 31 modules covered in the feature catalogue to find the exact function you need.
Dashboard
A real-time overview of group activity, contributions, and payouts, giving administrators instant visibility into how every susu group is performing.
Group Management
Creates and manages susu groups, including group rules, contribution schedules, and membership, keeping each group organised from formation onward.
Member Management
Maintains complete member profiles across groups, including personal details, contribution history, and group affiliations.
Contribution Collection
Records daily, weekly, or periodic member contributions, whether collected in person or digitally, keeping every group's savings accurate and up to…
Beneficiary Rotation
Manages the rotating payout order for susu groups, ensuring each member receives their contribution payout fairly and on schedule.
Payment Management
Processes and tracks payouts and disbursements to members, keeping payment records accurate and auditable.
Attendance Management
Tracks member attendance at group meetings and collection points, supporting accountability and engagement monitoring.
Loan Management
Manages loans extended to members from group or institutional funds, from application through repayment tracking.
Savings Management
Handles individual and group savings products beyond standard susu contributions, supporting flexible savings arrangements.
Welfare Management
Coordinates welfare contributions and support for members in need, with tracking of requests and disbursements.
Fines & Penalties
Records and manages fines for missed contributions or meetings, applied consistently according to group rules.
Meeting Management
Schedules and documents group meetings, including agendas, minutes, and attendance, keeping group governance organised.
Tasks & Reminders
Sends automated reminders for contributions, meetings, and payouts, helping members and administrators stay on track.
Leadership & Elections
Manages group leadership roles and election processes, supporting transparent and democratic group governance.
Financial Accounting
A complete accounting module covering income, expenses, and financial statements, giving administrators a clear picture of overall financial health.
Mobile Money
Accepts and reconciles member contributions and payouts made through mobile money platforms, streamlining collections and disbursements.
Bank Integration
Connects group and institutional accounts with banking systems, enabling seamless transfers and reconciliation.
Insurance
Offers insurance products linked to member savings or loans, providing an added layer of financial protection for members.
Credit Scoring
Applies data-driven credit scoring to member contribution and repayment history, supporting fairer and faster loan decisions.
Group Health
Monitors the overall health of each susu group, such as contribution consistency and default rates, flagging groups that need attention.
Savings Goals
Allows members to set and track personal or group savings goals, encouraging disciplined saving behaviour.
Asset Register
Tracks physical or financial assets owned by groups or the institution, including valuation and condition.
Referral Rewards
Rewards members who refer new participants to the platform, supporting organic group and membership growth.
Member Portal
Gives members self-service access to view their contributions, loans, and payout schedule, improving transparency and trust.
Notifications
Delivers automated alerts for contributions, payouts, meetings, and overdue fines, keeping members and staff informed in real time.
Document Management
Securely stores group and member documents, agreements, and records, with controlled access for authorised users.
Reports
Generates detailed contribution, loan, and financial reports to support informed, data-driven decisions.
User & Security
Controls system access with role-based permissions, ensuring staff and group leaders only see and do what they are authorised to.
Multi-Branch
Manages multiple branches or collection centres from a single system, with centralised oversight and branch-level reporting.
Compliance Center
Tracks regulatory and compliance obligations, helping the institution stay audit-ready and aligned with requirements.
Advanced Features
Provides access to additional configuration and power-user tools for institutions with more complex operational needs.
No module matches that search. Ask us on WhatsApp; custom modules can be built.
Built with African operations in mind
Practical tools for the way business works here
Designed for organizations operating in Ghana and across Africa, where teams may need clear multi-branch oversight, Ghana cedi reporting, Mobile Money and cash collection visibility, SMS or WhatsApp communication, and practical workflows for local operations. Specific integrations and regulatory requirements are confirmed during solution scoping.
- ✓Built around daily, route-based collection common in Ghanaian markets
- ✓Mobile Money and cash collections can be reconciled together
- ✓Savers can be notified by SMS or WhatsApp where enabled
Local payment realitiesCash, bank and Mobile Money workflows can be assessed for your setup.
Branch-level visibilityDiscuss location-based access, reporting and management controls.
TondeSoft · Ghana
Local understanding. Connected business systems.
A day with SusuERP
See how a typical day flows
A susu collector visits the market, records each saver’s daily contribution on a phone, issues a reference, and returns to the office where the supervisor reconciles the cash and wallet totals against the collector’s expected collections.
Illustrative scenario. Actual workflows are configured with your team during implementation.
Who uses it
One system, the right view for every role
Role-based access helps each person see and do what their job requires.
Susu Manager
Reviews collections, withdrawals, loans and agent performance.
Collectors / Field Agents
Record daily contributions and issue transaction references.
Cashier
Handles deposits, withdrawals and daily cash reconciliation.
Savers
Receive balance updates and contribution confirmations where enabled.
More capabilities
Built for the details of your industry
Saver Registration & KYC
Capture saver details, ID information, guarantors and next of kin.
Route & Agent Assignment
Assign savers to collectors and review coverage by area.
Commission Calculation
Compute agent or service charges according to your own rules.
Contribution Targets
Set daily or weekly targets and monitor progress.
SMS / WhatsApp Notices
Send contribution receipts and reminders where messaging is enabled.
Susu Loans
Offer small loans against savings with repayment tracking.
Reports & insight
Reports your management team can act on
- ✓ Daily collections by agent and route
- ✓ Saver balances and statements
- ✓ Withdrawals and pending approvals
- ✓ Missed-contribution follow-up list
- ✓ Agent commission summary
- ✓ Loan and recovery portfolio
Dashboard image is illustrative. Report content is agreed during implementation.
Your workflow, step by step
From first task to final report in 5 connected steps
- 1
Register savers
Capture details, ID, next of kin and the agreed daily amount.
- 2
Collect
Collectors record each contribution with a reference.
- 3
Reconcile
Cash and Mobile Money collections are matched to each collector daily.
- 4
Serve withdrawals & loans
Process withdrawals and small loans with approvals.
- 5
Review
Managers see balances, missed days and agent performance.
Is it right for you?
This fits if…
- ✓You run a susu or savings collection business
- ✓You have field collectors on routes
- ✓You want clearer records for savers
- ✓You offer small loans against savings
What you will need
To get started
- ●Phones or tablets for collectors
- ●An office PC for reconciliation
- ●Your saver list and current balances
Exact hardware and connectivity are confirmed during your consultation.
Your first win
What you can expect early
Close the day with every collector’s cash matching the system.
- ✓ Guided setup with your team
- ✓ Your data imported where possible
- ✓ Staff training and ongoing support
Scope and timelines are agreed after consultation.
How it works
From daily transactions to management insight
A practical operating cycle helps your team capture work consistently and gives management a clearer view of what is happening across the organization.
1
Register
Capture the people, products, services, locations or jobs your operation needs to manage.
2
Process
Move each transaction through the appropriate operational steps with clear responsibility and status.
3
Monitor
Review activity, exceptions, balances and performance using consolidated operational views.
4
Improve
Use reports and historical records to identify bottlenecks, control costs and plan next actions.
Your operation
One clearer picture.
Organized records. Connected processes. Better oversight.
Made to fit your organization
Your business is unique. Your software should reflect that.
During consultation, TondeSoft can review your current processes, reporting needs, branches, staff roles and deployment preferences to define the right configuration for SusuERP.
- ✓ Review of your current operating workflow
- ✓ Discussion of modules, user roles and approvals
- ✓ Data migration and deployment planning, where required
- ✓ Staff orientation, support and future enhancement planning
Discuss your requirements
Tell us how your organization works. We will help identify the most suitable modules and implementation approach.
Talk to a TondeSoft ConsultantVisibility & control
Make informed decisions with organized information
Review transaction history, outstanding tasks, operational activity and management summaries in a structured way. Reporting options can be agreed during implementation to reflect the indicators that matter to your team.
Deployment conversation
Start with the requirements that matter most
Whether you operate one location or multiple branches, discuss users, data, devices, integrations, hosting and support needs with our team before deployment.
Request product information ↗Frequently asked questions
Planning your SusuERP implementation
A few practical answers to help your team take the next step.
Can collectors work with unstable internet?+
Offline or low-connectivity workflows can be discussed during scoping depending on the device and deployment approach.
Can savers receive a receipt for each contribution?+
Receipts and balance notifications can be configured through supported channels.
Can different savers have different contribution amounts?+
Yes. Targets and contribution amounts can be set per saver or product.
How are withdrawals approved?+
Withdrawal approval steps and limits can be configured.
Can savers get SMS receipts?+
Messaging can be enabled through supported providers.
Can we limit what each collector sees?+
Yes. Collectors can be restricted to their own routes and savers.
Can we migrate existing saver balances?+
Opening balances can be imported during setup.
Can the system support more than one branch or location?+
Multi-location requirements can be reviewed during configuration, including user access, location-level activity and consolidated management reporting.
Can the system be adapted to our existing workflow?+
Yes. TondeSoft can review your current process, required approvals, reports and user roles to define the appropriate implementation scope.
How do we get pricing and a demonstration?+
Contact the TondeSoft team with your organization type, number of users and key requirements. We can then arrange a product discussion and provide a suitable proposal.
Take the next step
Ready to explore SusuERP?
Request a tailored walkthrough, discuss your business requirements and find out how TondeSoft can help streamline your operations.