> ## Documentation Index
> Fetch the complete documentation index at: https://help.agatabo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Deposits & Savings Overview

> Understanding member savings, deposit management, and analytics in Agatabo

## What are Deposits?

In Agatabo, **deposits** are savings contributions made by members. Each deposit increases the member's savings balance and the organization's cash. Deposits are the foundation of the organization's savings pool - they create the pool of funds available for loans.

## How Deposits Work

<Steps>
  <Step title="Member makes contribution">
    Member gives cash, bank transfer, or mobile money payment
  </Step>

  <Step title="Treasurer records deposit">
    Uses Agatabo to record the amount, member, date, and bank account
  </Step>

  <Step title="Agatabo creates journal entry">
    Automatically debits Cash (bank account) and credits Member's Savings Ledger Account
  </Step>

  <Step title="Member balance updates">
    Member can see updated savings balance immediately
  </Step>

  <Step title="Notifications sent">
    Member receives email/SMS confirmation with deposit details and new balance
  </Step>
</Steps>

## Key Concepts

### Savings Ledger Account

Every member has a **savings ledger account** that tracks their savings balance:

* **Account Type**: LIABILITY (member savings are liabilities to the organization)
* **Created**: Automatically when member role is assigned
* **Increases with**:
  * Savings deposits
  * Dividend distributions
* **Decreases with**:
  * Loan payments (if deducted from savings)
  * Loan disbursements (for fees if configured)
  * Loan defaults (for recovery)

The savings ledger account shows the member's equity in the organization.

### Total Savings

**Total Savings** is the sum of all member savings balances across the organization. This metric appears on the dashboard and represents the organization's total liability to members.

### Journal Entry Example

When you record a deposit of RWF 10,000:

```
Date: 2026-06-11
Description: Jane Uwase - regular savings

DEBIT:  Cash (Bank Account)           10,000 RWF
CREDIT: Jane Uwase Savings             10,000 RWF
```

This double-entry ensures the books always balance.

## Common Operations

<CardGroup cols={2}>
  <Card title="Recording Deposits" icon="plus" href="/tontines/deposits/recording-deposits">
    Step-by-step guide to record member savings
  </Card>

  <Card title="Viewing Deposit History" icon="clock-rotate-left" href="/tontines/deposits/viewing-deposit-history">
    Review all deposits by date, member, or amount
  </Card>

  <Card title="Editing Deposits" icon="pen-to-square" href="/tontines/deposits/editing-deposits">
    Correct deposit errors (before period closing)
  </Card>

  <Card title="Savings Analytics" icon="chart-line" href="/tontines/deposits/savings-analytics">
    View trends, top savers, and contribution health
  </Card>
</CardGroup>

## Deposit Analytics

Agatabo provides rich analytics to help you understand savings patterns:

### Flow Analytics

* **Opening Balance**: Balance at start of period
* **Closing Balance**: Balance at end of period
* **Gross Inflow**: Total deposits in period
* **Net Change**: Net increase/decrease
* **Total Records**: Number of deposit transactions

### Top Savers

* View top 10 members by current savings balance
* Includes member name, email, account number, and amount
* Helps recognize consistent contributors

### Contribution Health

* **Missing Contributions**: Total shortfall across all members
* **Expected vs Actual**: Compare actual deposits to contribution rules
* **Top Missing**: Members with largest contribution gaps
* Helps identify members falling behind on contributions

### Monthly Breakdown

For each member, see:

* Expected contribution amount per month
* Actual amount deposited
* Missing amount
* Payment status (paid/pending)
* Excess contributions (if overpaid)

### Transaction Breakdown

* By transaction type (deposits, dividends, loan payments)
* Monthly net change trends
* Recent transaction activity

[Learn more about savings analytics →](/tontines/deposits/savings-analytics)

## Editing and Corrections

### Editing Deposits

Deposits can be edited if the transaction date is in an **open accounting period**:

* Change deposit amount
* Update transaction date
* Change bank account
* Update supporting documents

**How it works**: Agatabo reverses the original entry and creates a new one with updated values.

**Restrictions**: Cannot edit deposits in closed periods.

### Deleting Deposits

You can delete (reverse) a deposit to completely remove it:

* Creates a reversal journal entry
* Subject to period closing restrictions
* Requires proper permissions

[Learn about editing deposits →](/tontines/deposits/editing-deposits)

## Integration with Other Features

### Loans

Member savings determine loan eligibility:

* Rule example: "Maximum loan = 3× savings balance"
* Loan disbursement fees may be deducted from savings
* Loan defaults may recover funds from savings

[Learn about loans →](/tontines/loans/overview)

### Dividends

Dividends are often distributed based on savings balances:

* Member with RWF 500,000 savings gets 2× the dividend of member with RWF 250,000 savings
* Dividend distributions are credited to savings accounts
* Encourages members to save more

[Learn about dividends →](/tontines/dividends/overview)

### Reports

Deposits appear in financial reports:

* **Balance Sheet**: Member Savings (liability)
* **Cash Flow**: Cash inflows from deposits
* **Savings Summary**: Organization-wide savings totals

[Learn about reports →](/tontines/reports/overview)

## Best Practices

<Note>
  **Deposit management tips:**

  * Record deposits on the same day they're received for accurate cash flow
  * Always select the correct bank account for proper reconciliation
  * Attach supporting documents (receipts, bank slips) for audit trails
  * Reconcile deposits with bank statements regularly
  * Review Contribution Health metrics monthly to identify members falling behind
  * Use deposit analytics to spot unusual patterns or trends
  * Close accounting periods regularly to prevent backdated changes
</Note>

## Getting Started

<CardGroup cols={2}>
  <Card title="Record Your First Deposit" icon="rocket" href="/tontines/deposits/recording-deposits">
    Step-by-step guide for treasurers
  </Card>

  <Card title="View Deposit History" icon="table" href="/tontines/deposits/viewing-deposit-history">
    Review all recorded deposits
  </Card>

  <Card title="Analyze Savings Trends" icon="chart-line" href="/tontines/deposits/savings-analytics">
    Understand deposit patterns
  </Card>

  <Card title="Viewing User Details" icon="address-card" href="/tontines/organization-users/viewing-member-details">
    Check individual member balances
  </Card>
</CardGroup>