Micro Software Designs Limited

Our flagship product CUMIS Plus (Credit Union Management Information System) is a comprehensive accounting package, designed to satisfy Credit Union needs. CUMIS Plus is a fully customizable cross-platform package, with cross-platform database support and also with an easy to understand and user-friendly interface.

• Features consistent, menu-driven, user-friendly, user interface and mouse support for Windows clients
• Multi platform and supports all popular Linux Distributions, SCO Unix, Windows 98, ME, NT, 2000 and Windows XP.
• Cross platform database support
• Features fully integrated Members and General Ledgers.
• The Chart of Accounts supports a 7-digit number
• Supports compound journal transactions
• Bank reconciliation
• Fully automated General Ledger month posting procedure (with ability to post multiple months)
• Fully automated General Ledger year-end posting procedure
• Accounts Payable and Receivable
• Security, featuring per user rating system (user IDs, passwords, ability to manage data on a rating basis)
• Full audit log processing, including violations report
• Branch accounting (supports 16 online branches)
• ATM on-line and batch processing (supports ISO 8583 messaging format)
• Multi currency support
• On-line cheque writer (including renumbering and realignment capabilities, supports automatic loan disbursement procedure and automatic standing order generation)
• On-line receipt printing featuring per teller printer support, CAMBIO receipt printing
• Unlimited standing orders with automatic cheque generation and macro processing facilities
• Printing on all types of printers (print preview, additional formatting, export capabilities)
• Members signature and photograph preview
• Mail merge and labeling (supports transfer data to Microsoft Word for bulk mailing)
• Comprehensive tellers cash accounting, float management integrated with General Ledger
• 35 customizable loan categories with ability to split across multiple segments (featuring loan projection on individual client)
• Interest calculation (using compound interest calculation, interest on a daily basis, or interest using reducing balance)
• Unlimited Term Deposits with ability to set individual interest rates
• Unlimited history support
• Query analyzer (ability to process user defined queries)
• Huge amount of reports featuring filter facility
• Automatic dividend processing
• Delinquency module (period management and delinquency management (arrears based))
• Automated FIP processing and LP/LS, FIP reports (in partnership with CUNA Caribbean)
• IVR
• Pearl interface