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The savings analytics dashboard gives you a real-time, organization-wide picture of how your savings pool is growing, which members are contributing consistently, and where contributions are falling short. Rather than exporting data to a spreadsheet, you can answer most operational questions — “How much did we collect last month?”, “Who owes the most in missed contributions?”, “Is the pool growing?” — directly inside Agatabo.

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Accessing Analytics

1

Click Savings in the sidebar

This opens the Savings section with its submenu.
2

Select Analytics

The savings analytics dashboard loads, showing all-time metrics by default.
3

Set a date range (optional)

Use the Start Date and End Date filters to focus on a specific period. All metrics on the page update to reflect only transactions within that range.

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Balance Metrics

These three figures describe the state of the savings pool at the boundary of your selected period.
MetricDescription
Opening BalanceTotal savings held by all members at the start of the period
Closing BalanceTotal savings held at the end of the period
Net ChangeClosing Balance minus Opening Balance — positive means the pool grew, negative means it shrank
A declining Net Change over multiple months is a signal to investigate whether deposits are slowing, fees are increasing, or loan defaults are eroding the pool.

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Flow Metrics

Flow metrics tell you why the balance changed — breaking down every credit and debit that moved through the savings pool during the period.
MetricDescription
Gross InflowSum of all credits: regular deposits plus dividend distributions
WithdrawalsSum of all debits: loan payments deducted from savings, disbursement fees, and default recoveries
Net InflowGross Inflow minus Withdrawals
Total RecordsCount of all savings transactions in the period
A negative Net Inflow does not necessarily indicate a problem. Months with high loan disbursement fees, large dividend distributions, or active default recoveries will naturally show more outflows than inflows from deposits alone.

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Top Savers

The Top Savers table ranks the ten members with the highest current savings balance. For each member, you see:
ColumnDescription
Name / EmailMember identity
Account NumberSavings ledger account reference
Current BalanceActual savings balance today
Total DepositsSum of all deposit transactions (may differ from current balance due to dividends, fees, or recoveries)
Deposit CountNumber of deposit transactions recorded
Missing ContributionShortfall against the expected contribution (if a contribution rule is configured)
Total ExpectedWhat the member should have saved based on their membership tenure and the monthly requirement
Use this table to recognize your most committed savers and monitor how wealth is distributed across the membership.
The difference between Total Deposits and Current Balance reveals the net impact of dividends, fees, and loan events on a member’s savings. A member who deposited 500,000 RWF but holds a current balance of 540,000 RWF has received at least 40,000 RWF in dividends or other credits.

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Contribution Health

If your organization has a monthly savings requirement set under Settings → Rates, Agatabo calculates how each member is tracking against that target. Total Missing shows the aggregate shortfall across all members — the total amount of expected contributions that have not been paid. Use this figure at committee meetings to discuss whether the membership as a whole is meeting its obligations. Top Missing lists the individual members with the largest gaps, along with the specific shortfall amount. Filter this list at the start of each month and send targeted reminders to members before the next contribution deadline.

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Understanding Expected vs. Actual

Monthly requirement:      10,000 RWF
Member joined:            6 months ago
Total expected:           60,000 RWF
Actual deposits:          55,000 RWF
Missing contribution:      5,000 RWF
If no contribution rule is configured, the missing contribution value will be zero for all members. Set a monthly requirement in Settings → Rates to unlock contribution health tracking.

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Monthly Breakdown Charts

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Monthly Inflow Chart

A bar chart showing the total deposits (and other credits) received each month. The X-axis displays months in YYYY-MM format; the Y-axis shows the total amount. Use this chart to:
  • Identify growth trends over a quarter or year.
  • Spot seasonal dips (common before major holidays or harvest seasons).
  • Measure the impact of a savings campaign on inflow volume.

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Monthly Net Change Chart

A line chart showing Net Inflow (credits minus debits) for each month. Months that appear above zero grew the savings pool; months below zero shrank it. This is particularly useful for spotting months when loan activity — fees, default recoveries — consumed more savings than deposits brought in.

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Transaction Breakdown by Type

The transaction breakdown table splits the period’s activity into categories so you can see exactly what drove inflows and outflows.
Transaction TypeDescription
SAVINGS_DEPOSITRegular member contributions
DIVIDEND_DISTRIBUTIONDividends credited to member savings accounts
LOAN_PAYMENTLoan repayments deducted from savings
LOAN_DEFAULTAmounts recovered from savings during loan defaults
REVERSALReversed or corrected transactions
For each type, you see the total positive flow (credits), total negative flow (debits), net flow, and transaction count. Review this breakdown whenever the Net Change looks unexpected.

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Recent Savings Activity

The Recent Activity panel displays the twenty most recent savings transactions, regardless of date filter. For each transaction you see:
  • Transaction date
  • Amount
  • Transaction type
  • Member name and email
  • Member account number
Use this panel to quickly verify that a deposit you just recorded has appeared in the system, or to spot any unusual transaction types that warrant investigation.

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Date Range Filtering

By default the analytics page shows all-time data. To focus on a specific period:
1

Set a Start Date

Only transactions on or after this date are included in the metrics.
2

Set an End Date

Only transactions on or before this date are included.
3

Review updated metrics

All balance metrics, flow metrics, charts, and tables refresh automatically to reflect the selected window.
Common date ranges to use:
  • Current month — monitor monthly collection performance
  • Last quarter — present at a board or committee meeting
  • Year to date — compare against annual savings targets

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Savings by User

For a member-by-member breakdown, navigate to Savings → Savings by User. This view shares the same metrics as the analytics dashboard but paginates through every member in the organization rather than showing only the top ten. Additional capabilities in Savings by User:
FeatureDescription
PaginationNavigate large member lists ten at a time (default)
Member filterSearch by name or organization user ID to jump to a specific member
SortingSort by total deposits, missing contribution, member name, or email
Use Savings by User when you need to print or review the savings position for every member — for example, before a dividend distribution calculation or a committee meeting.

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Common Insights

Check whether large loan default recoveries, significant disbursement fees, or dividend distributions occurred during the period. All three create outflows from the savings pool. A negative net inflow during a high-lending month is normal — it means the pool is being put to work.
Send targeted SMS or email reminders to the members listed in Top Missing. Review whether the monthly contribution requirement is realistic for current economic conditions. If a large number of members are falling short simultaneously, consider holding a meeting to discuss flexible payment options before arrears become a default risk.
Pull up the Top Missing list and cross-reference it with the membership register to find inactive members. Survey active members to understand whether external factors — job losses, seasonal income gaps — are affecting contributions. Consider launching a re-engagement campaign or referral incentive.
Verify that the deposit recording process is working as expected by checking with the team responsible for collections. A low record count in a month where many members were expected to contribute usually means deposits were collected but not yet entered into Agatabo — a reconciliation risk.