Member Registration

Member registration enrols a person into the society and opens their account. Everything else in FinGrow — loans, deposits, collections — hangs off a member record.

Overview

A member record is created once and referenced from then on. Because transactions copy their defaults from it, a change here changes the behaviour of every future document — but never a document already posted.

Prerequisites

Before you begin

• The applicant has provided original identity and address documents
• The introducer, if your society requires one, is an existing member in good standing
• The membership fee has been collected, or will be collected on save
• You have the Create permission for Member

Opening the screen

Navigate to

1. Members
2. Registration

Click to enlarge

The Member screen in FinGrow.

Creating a member

Open Member Registration

Go to Members → Registration and click New. The member number shows AUTO and is allocated on save.

Capture personal details

Enter the name exactly as it appears on the identity document. Mismatches between the member record and the KYC document are the most common reason an audit flags a file.

Warning

Date of birth drives age-based scheme eligibility. A wrong date of birth can make a member eligible for a scheme they should not have, and that is found at audit rather than at entry.

Record the KYC documents

Add one row per document with its type, number and expiry. Scan or photograph each one and attach it — an unattached KYC row counts as missing at audit.

Add the nominee

Enter the nominee name, relationship and share. Where there are several nominees, the shares must total 100%.

Assign the group and agent

Select the collection group and the field agent who will service this member. This determines whose collection sheet the member appears on.

Tip

Assign the agent who actually covers the member’s area. Reassigning later is easy, but collections already allocated to the wrong agent have to be reconciled by hand.

Collect the membership fee and save

Enter the fee and the mode of payment, then click Save. The member number is allocated and a receipt is generated.

Expected result

The member is saved with a number such as MEM/0004821, appears on the assigned agent’s collection list, and is eligible to apply for loans and open deposit accounts.

Field reference

Member fields

Field	Type	Required	Default	Description	Notes
Member No.	Auto	Read-only	—	Allocated from the Member series on save.
Name	Text	Yes	—	As printed on the identity document.	Must match the attached KYC exactly.
Date of Birth	Date	Yes	—	Drives age-based scheme eligibility.	Minimum age is set per society in Configuration.
Gender	Dropdown	Yes	—	Required for statutory reporting.
Mobile	Phone	Yes	—	Used for collection reminders and OTP confirmation.	Must be unique across active members.
Address	Address	Yes	—	Residential address. Determines the collection route.
KYC Documents	Grid	Yes	—	Document type, number, expiry and attachment.	At least one identity and one address proof.
Introducer	Lookup	No	—	Existing member introducing the applicant.	Mandatory if the society requires an introducer.
Nominee	Grid	Yes	—	Name, relationship and percentage share.	Shares must total 100%.
Collection Group	Dropdown	Yes	—	Group whose meeting the member attends.
Agent	Dropdown	Yes	—	Field agent responsible for collections.
Membership Fee	Amount	Yes	—	One-time fee. Posted to the membership fee income account.
Status	Dropdown	No	Active	Active, Dormant or Closed. Only Active members may transact.

Member fields

Important notes

Important

A member cannot be deleted once registered — the member number appears on receipts and statutory returns. To close a membership, settle every loan and deposit, then set Status to Closed.

Danger

Never register a member against someone else’s KYC documents, even at the member’s request. It is a regulatory breach, and the audit trail records who entered the record.

Tip

Photograph the KYC documents with the member’s phone and attach them at the counter. Chasing documents afterwards is where files go incomplete.

Common problems

The Save button is disabled

A required field is empty or invalid. Fields in error are outlined in red with the reason underneath — scroll up, the first error is usually in the header.

You do not have permission to perform this action

Your role is missing the relevant permission for this screen. Ask an administrator to check it against Roles & Permissions.

Frequently asked questions

QCan a member belong to two groups?

No. One member, one collection group, so that exactly one agent is accountable for the collection. Transfer the member if they move.

QWhat if the member has no address proof?

Your society's configuration decides which document combinations are acceptable. Where a relaxed combination is allowed, the record is flagged for review and appears on the Incomplete KYC report.

QHow do I change a member's agent?

Open the member, change the Agent field, and save. The change takes effect from the next collection cycle; collections already generated stay with the old agent.

QCan a dormant member apply for a loan?

No. Reactivate the membership first — dormancy usually means no transactions for twelve months, and reactivation is a counter formality.

Related documentation

• Member Profile
• Member Ledger
• Loan Application
• Agent Assignment