> ## 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.

# Savings Analytics

> Understand savings trends, member balances, and contribution patterns

## Overview

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

## Accessing Analytics

<Steps>
  <Step title="Navigate to Savings">
    Click **Savings** in sidebar
  </Step>

  <Step title="Click Analytics">
    Opens savings analytics dashboard
  </Step>
</Steps>

## Balance Metrics

### 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.

### 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

### Total Records

Count of all savings transactions in the selected period.

## 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

## Contribution Health

Track how members are meeting their contribution obligations:

### Missing Contributions

**Total Missing**: Sum of all missing contributions across all members

This metric shows how much the organization is short of expected contributions.

### 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

## Monthly Breakdown

### 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

### Monthly Net Change

Chart showing net change (inflow minus withdrawals) per month:

* Positive months: savings pool grew
* Negative months: savings pool shrank

## Transaction Breakdown

### 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

## 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

## Filtering Analytics

### By Date Range

Use date filters to analyze specific periods:

<Steps>
  <Step title="Set start date">
    Filter to transactions on or after this date
  </Step>

  <Step title="Set end date">
    Filter to transactions on or before this date
  </Step>

  <Step title="View results">
    All metrics update to reflect the selected period
  </Step>
</Steps>

**Default**: If no dates are specified, shows all-time analytics

## 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.

## Understanding the Metrics

### 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**:

```
Member A deposited: 500,000 RWF (totalAmount)
Received dividends: +50,000 RWF
Loan fee deducted: -10,000 RWF
Current balance: 540,000 RWF (currentAmount)
```

### 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**:

```
Monthly requirement: 10,000 RWF
Member joined: 6 months ago
Expected contribution: 60,000 RWF
Actual deposits: 55,000 RWF
Missing contribution: 5,000 RWF
```

<Note>
  **Contribution rules**: Set in Settings → Rates. If no contribution rule is set, missing contribution will be 0 for all members.
</Note>

## Common Insights

<AccordionGroup>
  <Accordion title="Negative net inflow">
    **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
  </Accordion>

  <Accordion title="High missing contributions">
    **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
  </Accordion>

  <Accordion title="Declining monthly inflow">
    **If deposits decrease month-over-month**:

    * Identify inactive members (check Top Missing list)
    * Review economic conditions
    * Survey members for feedback
    * Consider incentive programs
  </Accordion>

  <Accordion title="Few transaction records">
    **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)
  </Accordion>
</AccordionGroup>

## Related Operations

<CardGroup cols={2}>
  <Card title="Recording Deposits" icon="plus" href="/tontines/deposits/recording-deposits">
    Add member savings contributions
  </Card>

  <Card title="Viewing Deposit History" icon="clock-rotate-left" href="/tontines/deposits/viewing-deposit-history">
    Review all deposit transactions
  </Card>

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

  <Card title="Contribution Rules" icon="gears" href="/tontines/settings/rates">
    Set monthly contribution requirements
  </Card>
</CardGroup>