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Overview

Savings analytics help you understand savings patterns, track contribution health, and monitor member engagement. Use these insights to improve operations and member services.

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Accessing Analytics

1

Navigate to Savings

Click Savings in sidebar
2

Click Analytics

Opens savings analytics dashboard

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Balance Metrics

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Opening and Closing Balance

Opening Balance: Total savings balance at the start of the selected period Closing Balance: Total savings balance at the end of the selected period Net Change: Difference between closing and opening balance These metrics show how the total savings pool has grown or shrunk over time.

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Flow Metrics

Gross Inflow: Total deposits and credits to savings during the period
  • Includes regular deposits
  • Includes dividend distributions
  • Shows total money coming into the savings pool
Withdrawals: Total debits from savings during the period
  • Includes loan payments (when paid from savings)
  • Includes loan disbursement fees
  • Includes loan default recoveries
  • Shows total money leaving the savings pool
Net Inflow: Gross Inflow minus Withdrawals
  • Positive value means savings pool grew
  • Negative value means savings pool shrank

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Total Records

Count of all savings transactions in the selected period.

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Top Savers

View the top 10 members by current savings balance: For each member, see:
  • Name and email
  • Account number
  • Current savings balance
  • Total deposits made
  • Number of deposit transactions
  • Missing contribution amount (if contribution rules are set)
  • Total expected contribution
Sorting: Always sorted by current balance (highest to lowest) Use cases:
  • Identify most committed members
  • Recognize top contributors
  • Monitor wealth distribution in the organization

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Contribution Health

Track how members are meeting their contribution obligations:

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Missing Contributions

Total Missing: Sum of all missing contributions across all members This metric shows how much the organization is short of expected contributions.

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Top Missing

View members with the largest contribution gaps:
  • Member name and email
  • Missing contribution amount
Use cases:
  • Identify members falling behind
  • Send targeted reminders
  • Adjust contribution expectations

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Monthly Breakdown

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Monthly Inflow

Chart showing total deposits per month:
  • X-axis: Month (YYYY-MM format)
  • Y-axis: Total deposit amount
Insights:
  • Growth or decline trends
  • Seasonal patterns
  • Impact of campaigns or events

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Monthly Net Change

Chart showing net change (inflow minus withdrawals) per month:
  • Positive months: savings pool grew
  • Negative months: savings pool shrank

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Transaction Breakdown

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Flow by Transaction Type

View inflows and outflows broken down by transaction type: Transaction types:
  • SAVINGS_DEPOSIT: Regular member deposits
  • DIVIDEND_DISTRIBUTION: Dividends credited to savings
  • LOAN_PAYMENT: Loan payments that go to savings
  • LOAN_DEFAULT: Recoveries from defaulted loans
  • REVERSAL: Reversed transactions
For each type, see:
  • Positive flow (credits to savings)
  • Negative flow (debits from savings)
  • Net flow
  • Count of transactions
Use case: Understand what drives changes in the savings pool

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Recent Savings Activity

View the 20 most recent savings transactions: For each transaction, see:
  • Transaction date
  • Amount
  • Type (transaction kind)
  • Member name and email
  • Member account number
Use case: Monitor recent activity and spot unusual transactions

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Filtering Analytics

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By Date Range

Use date filters to analyze specific periods:
1

Set start date

Filter to transactions on or after this date
2

Set end date

Filter to transactions on or before this date
3

View results

All metrics update to reflect the selected period
Default: If no dates are specified, shows all-time analytics

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Savings by User

For detailed per-member analysis, use Savings → Savings by User: Additional features:
  • Pagination (navigate through large member lists)
  • Filter by specific member (organizationUserId or name)
  • Sort by:
    • Total amount (deposit sum)
    • Missing contribution (largest gaps first)
    • Member name (alphabetical)
    • Member email (alphabetical)
Page size: Default 10 members per page This view shows the same metrics as the analytics page but with more detailed member-by-member navigation.

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Understanding the Metrics

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Current Balance vs Total Deposits

Total Deposits (totalAmount): Sum of all deposit transactions for a member Current Balance (currentAmount): Actual current savings balance These may differ because:
  • Dividends were distributed (increases current balance)
  • Loan fees were deducted (decreases current balance)
  • Loan defaults were recovered from savings (decreases current balance)
Example:

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Expected vs Actual Contributions

If your organization has contribution rules (monthly savings requirements): Total Expected Contribution: Amount member should have contributed based on:
  • Monthly contribution requirement
  • Membership period (time since joining)
Missing Contribution: Gap between expected and actual Example:
Contribution rules: Set in Settings → Rates. If no contribution rule is set, missing contribution will be 0 for all members.

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Common Insights

If net inflow is negative (withdrawals exceed deposits):
  • Check if large loan defaults occurred
  • Review if many fees were deducted
  • Verify if dividends were distributed (these show as outflows in some transaction types)
  • This is normal during periods of high loan activity
If many members have missing contributions:
  • Send reminder notifications to members
  • Review if contribution requirements are too high
  • Check for economic challenges affecting members
  • Consider flexible payment schedules
If deposits decrease month-over-month:
  • Identify inactive members (check Top Missing list)
  • Review economic conditions
  • Survey members for feedback
  • Consider incentive programs
If total records count is low:
  • Check if members are depositing regularly
  • Ensure deposit recording process is working
  • Send reminders about contribution deadlines
  • Review participation rate (active members ÷ total members)

Recording Deposits

Add member savings contributions

Viewing Deposit History

Review all deposit transactions

Viewing User Details

Check individual member balances

Contribution Rules

Set monthly contribution requirements