Beryl CreditOps User Manual
Contents
1. Fixed Deposits Withdrawal Entry Click this button to enter Fixed Deposit withdrawal in part or whole This is done only when FD s are withdrawn before end of agreed term FD interest interests will be over charged if this is not done Use the Profile No of the FD to search and making entry NOTE When a Fixed Deposit withdrawal is done the system takes User directly to the window for entry to be made So use this facility to correct an entry wrongly done etc If a Fixed Deposit Withdrawal Entry is improperly done or not done at all Fixed Deposit Interest for that particular Profile will be wrong Setup Printer Click this button to setup the receipt printer connected to User 1 PC Audit Trail Click this button to view and print User 1 transactions for the day Note All Receipts and Payments are set to atomically print to A4 paper Two A5 s Original and Duplicate print on one A4 General Reports User 1 Click this button to reach MEMBERS LEDGER REPORTS MENU window Six reports are available 1 Withdrawals details of all monies paid to members and debited to their individual ledger accounts over a specified period 2 Deposits details of all monies received from members and credited to their individual ledger accounts over a specified period 3 Debit Notes details of all adjustment to members accounts and debited to their individual ledgers over a specified period 4 List of Balances summaries of members variou2. Beryl CreditOps With CUA Risk Management Module Version 11 7 User Manual 2000 2015 Gateway Pictures Ltd Software Division P O Box AN 12243 Accra Tel 024 438 3009 software gatewaypicturesltd com http gatewaypicturesltd com index_files Software htm 1 Beryl CreditOps Table of Contents 1 Introduction 2 Members Ledger 3 General Ledger 4 Data Security 16 22 Beryl CreditOps Introduction 1 B T D T a EE m Dw File Edit View Insert Format Records Scripts Tools Window Help Bervll Crodjtrons Seno Pssewor ronem Click the appropriate button below to enter the section of the programme you want to work in or refer to the User s Manual for more information Members General a Main window Beryl CreditOps software is specifically designed for Credit Unions All receipts and withdrawals for Savings Loans Fixed Deposits and Shares are catered for Secondary entries involving interests dividends are easily calculated and posted to individual ledger accounts and general ledger in real time Year end cut off process where balances are carried forward to the next period though takes several minutes to complete is done with the click of a button As a user friendly and interactive application Beryl CreditOps has easy to follow work steps navigated by conveniently placed buttons Viewing and Printing of Reports All reports of Beryl CreditOps are set to pr
3. Recovering Data Files Damaged data files can be recovered in a simple process Press Ctrl Shift keys while double clicking your software icon Hold the keys down until you see the Recover File dialogue box Select the damaged file from the displayed list and click Open button A new file is created while the damaged file is renamed with Old attached to it Tf the programme behaves unusually after recovery Call our Technical Support on 233 30 223 3988 or 233 24 438 3009 Passwords Users at all levels must change their passwords on starting Beryl CreditOps for the first time Ensure regular and periodic change of passwords 22 Beryl CreditOps
4. enter the appropriate references covering the specific journal Date Date of Journal to be deleted Ref No Exact reference number of the journal or transaction Transaction Type Select Journal Type from pull down menu Press ENTER key or click Continue button to view the selected journal s Press ENTER key again to delete NOTE At the Select Journal Date and Type window Date Journal Type and Ref No must all be selected in order to delete NOTE Though deleted journal are removed from the General Ledger they are kept in an archive for later viewing and printing Find and Print Deleted Journals Click this button View and Print deleted journals In the Set Report Date window enter the range of dates covering the report From Select from the pull down calendar To Select from the pull down calendar Press ENTER key or click Continue button to reach Select Deleted Journal Type window NOTE At the Select Journal Type window all references Date User and Ref No must be selected in order to view or print Beryl CreditOps Data Security 4 Backing up of programme files Power failures hardware problems and other factors can damage a programme file In its simplest form backing up means copying your file s to another disk for safekeeping Users of this programme need to install adequate power protection and back up and set up a routine procedure to back up files This is imperative for the safety of data
5. Loans Processil ji ing Loans Interest Rate Special Loans bel heats Due aes eee Fee Minimum Fee per month Processing Fee L i ns 5 00 moo B 00 1 50 3 00 3 00 From Member Transactions click GL User button to reach General Transaction and Settings window This is the control centre of all member transactions 1 Savings Settings has additional settings for interest rate charged on Savings Savings Over withdrawal Period Set for number of days if the Last Withdrawal Date and the next withdrawal date is below the number of days set here an automatic over withdrawal fee is charged Savings Over withdrawal Charge Percentage of withdrawal amount charged as savings over withdrawal Dormant After Last Savings Date Set for number of days this is the period after which Account is automatically tagged Dormant NOTE Dormant Account continue to be credited with Savings Interest Minimum Savings Balance Savings Ledger Account balances below this amount will not attract interest User 2 Withdrawal Limit User 2 s Savings Withdrawals above this amount will not be allowed Has 500 00 as default Price per Share Price at which Member Shares are traded 2 Savings Interest Rate Settings has the following default 11 Beryl CreditOps Ledger Balance Ledger Balance Rate pa From 101 00 To 500 00 3 00 From 501 00 To 2 000 00 4 00 Above 2 000 00 6 00 This means that Savings Ledger Balances above 2 000 00 receive t
6. be created for Members with outstanding loan balances Special Loan Profiles Click this button to reach the Special Loan Profiles Menu window New Profile Click this button to reach Special Loan Profile Entry window Special Loan Profiles and Loan Profiles are similar except in three areas a Maximum Repayment Period is 6 months for Special Loan instead of 24 b Interest Rate is charged on straight line bases instead of reducing balance c Interest rate is negotiable instead of fixed by GL User Fixed Deposit Profiles Click this button to reach the Fixed Deposit Profiles Menu window New Profile Click this button to reach Fixed Deposit Profile Entry window Account No Click this button to select Account Number of member whose FD is being processed Member Name automatically entered once an existing Account No is entered Start Date Date when FD starts End Date Date when FD ends No of Month s Duration Automatically calculated when Start Date and End Date are entered Amount of Fixed Deposit Enter the right amount here Interest Rate pa Enter the applicable rate per annum here Monthly Interest calculated automatically Investment at End Date calculated automatically At End Date select one from the pull down menu below The selection control how a Profile is rolled over at end date Pay All and Retire Investment Pay Principal and Invest Interest Pay Interest and Re invest Principal Re invest
7. current period Also serial numbers of daybooks journals etc are re started ready for the next Accounting Year WARNING Print all reports for safe keeping and Backup your data files before doing a Year End Reset the A c Year Start and A c Year End in the Setup Menu Main Menu to reflect the new Accounting Year when Year End is completed Beryl CreditOps 7 Audit Trail Click this button to View and Print General Leger transactions for the day p O a a N File Edit View Insert Format Records Scripts Tools Window Help GENERAL LEDGER REPORTS MENU Find amp Print Deleted Journals COMMANDS Kae Reports 1 20 General Ledger To View or Print General Ledger click the appropriate button In the Set Report Date window enter the range of dates covering the report From Pre set at Accounting Year Start To Select from the pull down calendar In the Set General Ledger Account No window enter a specific Account to report that account alone Press ENTER key or click Continue button to view or print Without selecting an Account No to report on all ledger accounts Trial Balance To View or Print Trial Balance click the appropriate button In the Set Report Date window enter the range of dates covering the report From Pre set at Accounting Year Start To Select from the pull down calendar Press ENTER key or click Continue button to view or print Profit and Loss
8. withdrawn here Price per Share Pre set by GL User NOTE Most of the transaction details are pre set OK Click this button to complete share withdrawal transaction Savings Transactions Loans Transactions Special Loans and Fixed Deposit Transactions follow similarly to above Share transactions With Loans Special Loans and Fixed Deposits Profiles must be created first by GL User before any transaction any transaction can be effected New Receipts Journal Click this button to enter receipts Registration Fees from members which are not credited to member individual accounts 7 Beryl CreditOps New Multiple Receipts Click this button to enter multiple Savings and Loans receipts This is useful where employees from the same organisation have payments to the Society deducted at source and usually paid with one cheque New Debit Note Click this button to enter any adjustment or correction of errors in an individual s account NOTE Debit Note debits an account therefore where you need to adjust an account by crediting place a minus sign in front of the amount This will show in the ledgers for example as 25 00 on the debit side of an account which must be credited CUA Risk Management To produce this important monthly report for CUA just click this button and enter the appropriate dates click OK or Continue button to print NOTE The accuracy of this report depends on accuracy of Members details and Savings Account
9. 960 Beryl CreditOps 2 13 TIP 15 Account Activity You may include Account Activity criteria Active or Dormant etc of your choice NOTE Beryl CreditOps eliminates Savings Account balances of 10 00 or less from the process Continue Click this button to process data for the selected period Savings General Debit Entry At this window enter a Short Description CUA Dues for July 1 2009 to June 30 2010 General Savings Debit Entry At this window enter Application Date and then click OK button to complete the process Run Fixed Deposit Interest On clicking this button a default information message appears which also warns about non interruption of the process All active Profiles will have their Interests for the month if any automatically calculated Fixed Deposit Interest Entry At this window enter Application Date and then click OK button to complete the process Run Dividend on Shares On clicking this button a default information message appears which also warns about non interruption of the process Set Date Range Date Start Start of current Account Period is default date End Start Select the date that ends Report period usually end of Accounting period Continue Click this button to process data for the selected period Dividend Earned Entry At this window enter Approved Dividend per Share for example 10 per share Dividend Period could be July 1 2014 to June 30 2016 for example
10. Account To View or Print Profit or Loss Account click the appropriate button In the Set Report Date window enter the range of dates covering the report From Preset at Accounting Year Start To Select from the pull down calendar Press ENTER key or click Continue button to view or print Balance Sheet To View or Print Balance Sheet click the appropriate button In the Set Report Date window enter the range of dates covering the report Beryl CreditOps From Pre set at Accounting Year Start To Select from the pull down calendar Press ENTER key or click Continue button to view or print Find and Print Journals To View or Print Journals click the appropriate button In the Set Report Date window enter the range of dates covering the report From Pre set at Accounting Year Start To Select from the pull down calendar Press ENTER key or click Continue button to reach Select Journal Type window NOTE At the Select Journal Type window both Journal Type and Ref No must be selected in order to view or print Press ENTER key or click Continue button to view or print Tip Enter a z in the Journal Type field and 1 9999999999999999999999999 as many 999 s as possible in the Ref No field This will select every journal or transaction over the selected period Delete Journals Click the red button with arrow to delete any journal type or transaction In the Select Journal Date and Type window
11. Click this button when all Member Accounts are setup to enter Members Opening Balances for each account Shares Savings Loans Special Loans and Fixed Deposits if any NOTE A c Year Start and A c Year End done at the main Setup control this process 5 Close Member Account Click this button to close a Member s Account who is leaving the Society for good NOTE Nil or zero all account balances Shares Savings etc before closing a Member File Edit View Insert Format Records Scripts Tools Window Help ail fen 10318 Depositor Name Depositor No Member Type Member s data entry window User 1 Member Transactions Menu Share Transactions 1 New Share Deposit click this button to enter share deposit Account No Click on this button to search for an account Click on the Account No field to enter a member s details No of Shares Enter the quantity of shares being purchased here Price per Share Pre set by GL User NOTE Most of the transaction details are pre set OK Click this button to complete share deposit transaction 2 New Share Withdrawal click this button to enter share withdrawal Account No Click on this button to search for an account Click on the Account No field to enter a member s details Credit A c No Click on this button to search for a Cash Bank account Click on the Credit A c No field to enter the account details No of Shares Enter the quantity of shares being
12. Click this button to enter receipts Registration Fees from members which are not credited to member individual accounts 10 Beryl CreditOps Setup Printer Click this button to setup the receipt printer connected to User 2 PC Audit Trail Click this button to view and print User 2 transactions for the day Note All Receipts and Payments are set to atomically print to A4 paper Two A5 s Original and Duplicate print on one A4 GL User File Edit View Insert Format Records Scripts Tools Window Help GL User GENERAL TRANSACTIONS AND SETTINGS Loan Special Loan f Fixed Deposit Profiles Profiles Profiles nterest Loans Interest Deposit Interest st avings Debit on Sha WARNING All Users must exit before running the General Transactions Blue buttons SAVINGS SETTINGS Savings Over Savings Over Withdrawal Period Withdrawal Charge E days 11 00 Savings Interest Rate Setting Dormant After Minimum Savings Ledger Balance Ledger Balance Rate per annum Last Savings Date Balance From GHS 101 00 To GHS 500 00 3 00 anys From GHS 501 00 To HS 2 000 00 4 00 User2 Withdrawal Limit Price per Share Above GHS 2 000 6 00 ous 500 00 Hs 0 50 NOTE Savings Interest is calculated on straight line basis enter per annum pa interest rate SHARES AND FIXED DEPOSIT SETTINGS LOANS AND SPECIAL LOANS SETTINGS Fixed Deposit Loans Processing
13. Members Account Nil or zero all accounts Shares Savings etc before closing a member s account 2 Find and Update Member click this button to find and update a member s details 3 Find Closed Member Data click this button to view all closed members accounts 4 Close click this button to end member s details _ a eR fyi File Edit View Insert Format Records Scripts Tools Window Help User1 Enter Enter Print Share Close MEMBERS MENU Dittandate Opening Bais Certificate Member Account COMMANDS Create New Findand Find Closed _ Close Member Update Member Member Data i REPORTS Members Details Click the button to reach Members Menu window 1 Create New Member click this button to enter a member s details Depositor Name Enter name here Depositor No Create a serial numbering system entered automatically here Station Edit and select the dropdown menu of your choice Member Type Edit and select the dropdown menu of your choice Entry Date Current date is default Date of Birth If entered age automatically calculates NOTE The above fields need to be entered correctly to facilitate production of important reports 2 Find and Update Member Click this to update a member s data other than Depositor No 3 Enter ID Mandate Click this button to enter Mandate for an Account and insert scanned signatures and photos 6 Beryl CreditOps 4 Enter Opening Bals
14. Principal and Interest Enter Click the button to conclude Profile creation Find and Update Profile Click this button to manually delete inactive profiles Profiles that have not been processed for funds and also roll over Fixed Deposit Profiles whose terms have ended Reset Profile Nos Click this button to re start Profile Nos from 1 This should be done sparingly so as not to have conflicting Profile numbers Beryl CreditOps 10 11 14 Purge Profiles Click this button to delete inactive zero profiles TIP More than one Fixed Deposit Profiles can be created for the same Member holder with different interest rates and terms NOTE Unless a Profile is rolled over with a new term interest will cease at End Date Unlike Loan Profiles Fixed Deposit Profiles that have been processed for funds can only be deleted on expiry of their term End Date or when Principal is withdrawn and the net is zero Run Loan Interest On clicking this button a default information message appears which also warns about non interruption of the process Set Date Range Date Start Start of current Account Period is default date End Start Select the date that ends Report period from the start of Accounting period Continue Click this button to process data for the selected period Loan Interest Entry At this window enter Application Date Loans Interest Entry At this window enter Application Date and then click OK button to comple
15. and Date of Application and then click OK button to complete the process Date Rage of Savings Interest Loans Interests etc and Application Dates are not be the same Most date ranges start at the beginning of the Accounting Year For example the date range for interest as at July 31 2015 will be July 1 2015 to July 31 2015 given that the Accounting Year starts on July 1 2015 ending June 30 2016 The rage for interest as at January 31 2016 will then be July 1 2015 to January 31 2016 etc However for data integrity use different Application Dates for each transaction set Loans Interest Entry could have 23 of each month as Application Date while Special Loans Interest Entry may have 24 as Application Date Follow the same pattern for other transaction sets Savings Interest Entry etc Beryl CreditOps General Ledger 3 ty File Edit View Insert Format Records Scripts Tools Window Help The General Ledger comprises Journals and General Ledger Reports Click the appropriate button below to start work prem Seer Soe Sse Lee General Ledger Main window The General Ledger has four entry sections Nominal Accounts Setup Payment Journal PJ Receipts Journal RJ and General Journal GJ Preliminary Considerations In normal accounting practice this ledger contains summaries of your account headings from which final accounts and similar records are produced Before processing any transaction make s
16. awal Charge Interest on Investments Loans Commission Interest on Loans Savings Commission Interest on Fixed Deposits Savings Interest Loans Control Till User 1 Till User 2 Till Creditors Control Savings Control Fixed Deposit Control Share Capital Operating Surplus Find amp Update click this button to edit an Account Name NOTE Fixed Accounts cannot be edited 17 To 2000 2500 3500 4000 4200 5000 5500 6000 7000 7100 1993 1994 1995 1996 1997 1998 1999 2000 3498 3500 3505 4001 4191 4192 5501 5505 5506 7001 7100 Beryl CreditOps Delete Account click the red button with an arrow to delete a non fixed an Account 2i 18 Enter Opening Bals Click this button when all Nominal Ledger Accounts are setup to enter each Account s Opening Balance if any NOTE A c Year Start and A c Year End done at the main Setup control this process Reports Account List To View or Print Account List click the appropriate button You are however given the option to choose which particular Account or Section you want TIP The best time to delete zero balance and non fixed accounts is at the beginning of anew Accounting Year when all income and expenditure accounts have nil balances TIP Beryl CreditOps uses Till Accounts to control cash cheque receipts These receipts are first debited to a Till account For example User 1 receipts are automatically debited to User 1 Till Account No 4191 f
17. e a selected PJ Enter click this button to print all PJ s and post to General Ledger to end transaction Delete All and Close click this button to delete all PJ s without posting New Receipts Journal RJ click this button for a new RJ entry window RJ s are used to receive Cash Bank deposits other than Shares Savings etc credited to members personal accounts Beryl CreditOps 19 Nominal Account Entry Enter the Credit Account No and press TAB key This automatically fills up the Account Name Alternatively click on Credit A c No button to look up the Account No An error message will appear if this is not done The Debit A c No is pre set for 4001 Till No Pre set serial number it is not modifiable Date Set for current Date modifiable Received from Name of person making payment Add a short description of receipt Being Set automatically if Received from and Cheque No are entered Cheque No Enter relevant reference number of receipt Amount Enter the receipt amount in figures here Cancel click this button to delete and exit RJ without posting Enter click this button to print RJ and post to General Ledger to end transaction New General Journal GJ click this button for a new GJ entry window PJ s are used to pass all journal entries Nominal Account Entry Enter the Debit Account No and press TAB key This automatically fills up the Account Name Alternatively click on the Dr Ac No button to l
18. he highest interest rate of 6 00 pa Other Savings Ledger Balances receive interest according to this set formula Beryl CreditOps apportions the monthly rate when Savings Interest is applied Savings Interest is calculated on Straight line method therefore interest rates per annum pa are entered Follow the default setting to edit Saving Interest Rate suitable to you This formula assumes a minimum Savings balance of 100 00 3 Shares Fixed Deposit Settings Fixed Deposit Withdrawal Before Due Date Charge Has 3 as default When a fixed deposit is withdrawn this percentage fee is automatically charged on amount withdrawn Share Withdrawal Charge Has 3 as default When a share is withdrawn this percentage fee is automatically charged on amount withdrawn 4 Loans Settings 12 Loan Processing Fee Minimum This and Loan Processing Fee work together A loan processing fee according to the percentage entered in Loan Processing Fee The highest amount of the two is used Loans Interest Rate per Month Unlike Savings Interest and Fixed Deposit Interest Loans interest is calculated on reducing balance method 3 rate is default This is based on special calculation in the Excel file int_cal xls found in Beryl CreditOps folder A 20 per annum rate is determined as a matter of policy Open the int_cal xls file and manipulate the monthly rate till you have the pre determined annual rate The monthly rate arrived at is then u
19. his user is limited in some transaction areas File Edit View Insert Format Records Scripts Tools Window Help Setup New Receipts MEMBER TRANSACTIONS MENU Printer Journal SHARES SAVINGS SPECIAL LOANS TRANSACTIONS TRANSACTIONS eae TRANSACTIONS User 2 Member Transactions Menu Share Transactions Click the appropriate button to reach its window 1 New Share Deposit click this button to enter share deposit Account No Click on this button to search for an account Click on the Account No field to enter a member s details No of Shares Enter the quantity of shares being purchased here Price per Share Pre set by GL User NOTE Most of the transaction details are pre set OK Click this button to complete share deposit transaction 2 New Savings Withdrawal click this button to enter share withdrawal Account No Click on this button to search for an account Click on the Account No field to enter a member s details Credit A c No Click on this button to search for a Cash Bank account Click on the Credit A c No field to enter the account details Amount Enter amount being withdrawn here NOTE Most of the transaction details are pre set OK Click this button to complete savings withdrawal transaction Savings deposit and Loan and Special Loan repayments follow similarly to above Share transactions except that Savings withdrawal is limited in amount withdrawn New Receipts Journal
20. int on A4 paper size Structure of Nominal Accounts General Ledger Beryl CreditOps allows users to open up to 6 100 Nominal Accounts including 200 Cash Bank accounts There are a number of fixed accounts such as Savings Control Account Loans Control Interest on Savings etc that come with the programme Refer to Nominal Account Setup in Chapter 3 for the more details Organization Setup On opening the programme for the first time or at the beginning of a new accounting year click Setup button on MAIN MENU Enter the data in the fields as shown NOTE data entered here are used in reports Organization Name This comes with software and can t be changed Address Line 1 Street Address or P O Box number Address Line 2 Town or City Phone Society s main telephone number 3 Beryl CreditOps Local Currency A c Year Start A c Year End Promotion eee eea eee eaaa View Insert Format Records Scripts Tools Window Help Default is GHS for Ghana Cedi Starting date of Accounting Year End date of Accounting Year NOTE Both A c Year Start and A c End must be re set at the beginning of a new Accounting Year Default is Credit Union Happy Family gt te amemon kamei Credit Union Ltd Address Line 1 P O Box AN 12243 Beryl CreditOps Members Ledger 2 File Edit View Insert Format Records Scripts Tools Window Help Member Transactions window This is where all member transactions de
21. ixed account At close of day the balance on this account is checked against physical cash cheques in User 1 s custody A GJ is then used to transfer User 1 Till to Cash or Bank Account as appropriate The same holds true for the other Till accounts Remember that Receipts Journals RJ s are automatically debited to the main Till Account No 4001 New Payments Journal PJ click this button for a new PJ entry window PJ s are used for all Cash Bank payments Nominal Account Entry Enter the Debit Account No and press TAB key This automatically fills up the Account Name Alternatively click on the Dr Ac No button to look up the Account No An error message will appear if this is not done The same is true for Cr Ac No Account No should be a Cash Bank Account number excluding Till accounts Journal No Pre set serial number it is not modifiable Date Set for current Date modifiable Paid to Name of person receiving payment Description A short description of the payment that will appear in the ledger Cheque No Enter relevant reference number of payment e g Invoice No or Cheque No Debit Amount Enter the payment amount in figures here Credit Amount automatically entered Create New Journal click this button to create additional PJ s Print Selected Journal click this button on a selected PJ NOTE Once a particular PJ is printed this way it is posted and deleted Delete Journal click this button to delet
22. ook up the Account No An error message will appear if this is not done The same is true for Cr Ac No NOTE Control Accounts are usually not allowed here Journal No Preset serial number it is not modifiable Date Select appropriate Date from pull down calendar Description A short description of the payment that will appear in the ledger Debit Amount Enter the payment amount in figures here Credit Amount automatically entered Create New Journal click this button to create additional GJ s Delete Journal click this button to a selected PJ NOTE Once a particular PJ is printed this way it is posted and deleted Delete Journal click this button on a selected GJ to delete it Enter click this button to print all GJ s and post to General Ledger to end transaction Delete All and Close click this button to delete all GJ s without posting Final Accounts General Ledger Reports Click this button to reach the General Ledger Reports Menu window Commands Year End Click this button to start the Year End process This is the final part of the preparation of Final Accounts After the printing to paper or PDF of all Ledger Accounts Profit and Loss Account and Balance Sheet all income and expense accounts are summarized to Income Surplus Account and deleted Balance Sheet items are also summarized carried forward to the next period as Opening Balances and deleted NOTE This will not affect any transactions dated after the
23. posits and withdrawals of Savings Loans Fixed Deposits and Credit Unions Shares are done Access is limited to User 1 User 2 and GL User Refer to access privilege details in password rtf which came with your programme User 1 and User 2 do the daily entries while GL User runs interest and other secondary entries All setting which control daily entries are also managed by GL User Before transacting any business with a Member details of that Member and all Members must first be created by User 1 From the Main Menu click Members Ledger Then click user of your choice 5 Beryl CreditOps User 1 In addition to Shares Savings Loans Special Loans and FD Fixed Deposit transactions User 1 also does Members Details Receipts Journal Debit Note CUA Risk Management Reports and Fixed Deposit Withdrawal Entry Click Member Details button to enter member data Enter ID Mandate click this button to insert scanned passport picture size photos and signature of signatories to an account here Enter Opening Bals click this button to enter Opening Balances of Members NOTE Totals of each account Shares Savings Loans Special Loans and Fixed Deposits if any must be used in entering the General Ledger Opening Balances Print Share Certificate click this button to print Share Certificate s of selected member s This prints the current total number of shares held by a member Close Member Account click this button to close a
24. s account balances Shares Savings Loans Special Loans and Fixed Deposits over a specified period 5 Ledger Accounts details of individual members Shares Savings Loans Special Loans and Fixed Deposits ledger accounts over a specified period 8 Beryl CreditOps 6 Single Member Statement a typical bank style statement of an individual member over a specified period hy File Edit View Insert Format Records Scripts Tools Window Help Click on a button to View or Print following simple record find criteria and specified dates selection for a desired report Fie Edit View Insert Format Records Scripts Tools Window Help 4 September 2016 Enter Date in dd MMlyyy fd Mon Tue Wed Thu Fri Sat Sun ftinue button 2 30 3 1 2 3 4 5 6 7 8 9 10 i 12 13 14 15 16 17 18 19 2 2 2 3 4 25 2 27 2 2 2 3 4 5 6 7 8 9 J Today 30 06 2015 For List of Balances Ledger Reports and Statements the DATE START is set with A c Year Start as default since Opening Balances are set at that date For Withdrawals Deposits and Debit Notes select your preferred DATE START and DATE END 9 Beryl CreditOps In all cases select date from the pull down calendar TIP All CreditOps reports can be saved as PDF files Click View button where available and follow through to the viewing window Then click the Cancel button at the upper right hand corner Click PDF button and rename the file as appropriately User 2 T
25. sed as Loans Interest Rate Loans Profiles Click this button to reach the Loan Profiles Menu window New Loan Profile Click this button to reach Loan Profile Entry window Account No Click this button to select Account Number of member whose loan is being processed Member Name automatically entered once an existing Account No is entered Repayment Sequence Has Monthly as default First Install Date Date when Loan Deduction starts Final Install Date Date when Loan Deduction ends No of Daily Weekly Monthly Instalments Automatically calculated when Repayment Sequence First Install Date and Final Install Date are entered Amount of Approved Loan Enter the approved loan amount here Int Normal Interest percent is pre set by GL User Enter Click the button to conclude Loan Profile creation Find and Update Profile Click this button to manually change Forced Loan Interest Status f to Suspended select from pull down menu This prevents interests from being charged to the Loan Account This is used in extreme loan default cases Beryl CreditOps NOTE Beryl CreditOps automatically Suspends interest charge on Loans Profiles whose term ends Reset Profile Nos Click this button to re start Profile Nos from 1 This should be done sparingly so as not to have conflicting Profile numbers Purge Profiles Click this button to delete inactive zero Ledger Balance Loan profiles TIP New Profiles will not
26. te the process Run Special Loan Interest On clicking this button a default information message appears which also warns about non interruption of the process All Special Loan Interests for the month if any are then automatically calculated Special Interest Entry At this window enter Application Date and then click OK button to complete the process Run Savings Interest On clicking this button a default information message appears which also warns about non interruption of the process Set Date Range Date Start Start of current Account Period is default date End Start Select the date that ends Report period from the start of Accounting period Continue Click this button to process data for the selected period Enter Savings Interest Entry At this window enter Application Date and then click OK button to complete the process Run General Savings Debit On clicking this button a default information message appears which also warns about non interruption of the process This feature is used to debit members Savings Account with such as CUA Dues CUA Chapter Dues or any debit applicable to the generality or select group of members Set Period Range Membership Date Period If you want to charge CUA Dues for July 1 2009 to June 30 2010 for example set this date range from date the Society began to June 30 2010 The date range format should look like this 1 1 1960 30 6 2010 assuming the Society began on January 1 1
27. ure that the account where that transaction will be debited or credited is setup in File Edit View Insert Format Records Scripts Tools Window Help Recount Account List i a Print Click Nom Account Setup button to reach Accounts Details Menu 16 Beryl CreditOps Nominal Accounts Setup 1 Nominal Accounts Beryl CreditOps works with 6100 structured nominal accounts which can be created to suit any environment Note that there are a set of fixed accounts mainly control accounts which cannot be edited nor deleted Your software comes with already created accounts to give you a starting point Print edit and create more accounts accordingly Create New Account Click this button to reach Account Details Entry window Account Number Follow the account numbering system below to create an account number NOTE Once created and an entry of a transaction is made the number cannot be edited of deleted though the account name can be edited Account Name Enter account name and click Enter button to complete the process Accounts Numbering System Account Section Income Purchases Expenses Current Assets Cash Bank Other Assets Fixed Assets Current Liabilities Other Liabilities Owner s Equity Beryl CreditOps has the following Fixed Accounts Interest on Special Loan Loan Processing Fee Commission on Withdrawals From 1001 2001 2501 3501 4001 4201 5001 5501 6001 7001 Fixed Deposits Withdr
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