BrandGuard Investment Club

Total savings pool

—

Live

Active loan book

—

Live

Interest earned (YTD)

UGX 16.2M

⚠ Demo estimate

Recovery balance

—

Live

DFCU balance

—

Live

Dec distribution

247 days

⚠ Demo estimate

Pending loan approvals

—

DFCU reconciliation

Live

Running balance—

Matched entries—

Unmatched entries—

Annual distribution — 15–22 December 2026

⚠ Projected figures below are still demo estimates — use the real distribution engine's preview endpoint for the actual number.

Member & borrower registry

Name	Type	Since	Savings	Share %	Score	Loan	Status

Total pooled

—

Members saving

—

Avg / member

—

External borrowers

—

Record contribution

Member

Amount (UGX)

Month

Bank reference

Top contributors (FY)

The Active, Pending, Post Repayment, and Closed tabs are live. Extensions and the summary cards below are still demo data.

Active borrowers

23

Outstanding principal

UGX 94.3M

Interest Apr (est.)

UGX 2.83M

Reducing balance

Pending approvals

3

Any 2 committee co-sign

Extension requests

2

Active (23)

Pending (3)

Extensions (2)

Post Repayment

Calculator

Closed

Reducing balance method active. Interest accrues monthly on outstanding principal only. Loans continue beyond the agreed term if principal remains — member requests extension, Chairman approves.

Loan interest calculator

Principal (UGX)

Monthly rate (%)

Duration (months)

Borrower type

Monthly EMI

—

Total interest

—

Total repayable

—

Saving vs flat

—

Flat vs reducing — UGX 5M / 12mo / 3%

Method	Total interest	Monthly	Mo.1	Mo.12
Flat (old)	UGX 1,800,000	UGX 566,667	150,000	150,000
Reducing (current)	UGX 989,032	UGX 499,086	150,000	14,723

Member saves UGX 810,968 on a UGX 5M / 12-month loan.

Amortisation schedule

#	Opening	EMI	Interest	Principal	Closing

EB

Emmanuel Bajole — Internal Recovery Ledger

Former Treasurer · 0% interest · 5-year repayment · All earnings withheld

Non-interest bearing

Original amount

—

Current balance

—

Live from the API

Recovered to date

—

Recovery %

—

Monthly withholding

Automatic

Every contribution → recovery

Term

—

Recovery progress—

Monthly savings and any December profit share are withheld automatically the moment they're posted — no manual step. The form below is only for one-off payments from outside the normal contribution cycle (a lump sum, proceeds from realising an asset, or an agreed salary deduction).

Earnings withholding

Monthly savingsAutomatic

December profit shareAutomatic

Cash withdrawalsBlocked

New loansBlocked

Guaranteeing othersBlocked

Portal accessView only

Post a one-off recovery payment

Amount (UGX)

Source

Payment history

Date	Source	Amount
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Annual distribution window: 15–22 December 2026

Interest Dec 2025–Nov 2026. Committee fee deducted first (≤10%, AGM-agreed). Bajole's share → recovery.

Projected FY interest

UGX 38.4M

Committee fee (10%)

UGX 3.84M

Net distributable

UGX 34.56M

Bajole share

→ Recovery

This page still shows illustrative demo data — the backend's real distribution engine (preview → lock → member elections) exists and works (see the ClubLedger API's /distributions endpoints), it just isn't wired into this screen yet.

Distribution preview — Dec 2026

Based on March 2026 contribution shares. Final figures confirmed 14 December 2026.

Member	Share %	Gross share	Method	Net payout

Distribution history

FY	Total interest	Comm. fee	Net distributed	Window	Status
Dec 2024–Nov 2025	UGX 32,042,291	UGX 3,204,229	UGX 28,838,062	15–19 Dec 2025	Completed
Dec 2023–Nov 2024	UGX 24,500,000	UGX 2,450,000	UGX 22,050,000	15–22 Dec 2024	Completed

⚠ Demo data — there's no backend module for investment tracking (this would be new functionality, not just wiring an existing screen).

Total invested

UGX 18M

Actual returns (YTD)

UGX 2.56M

Portfolio ROI

14.2%

DFCU fixed deposit

UGX 8M

12% p.a.

Portfolio

Investment	Capital	Expected return	Actual return	ROI	Maturity	Status
Uganda T-Bills 91-day	UGX 5,000,000	UGX 5,750,000	UGX 750,000	15%	Jul 2026	Active
DFCU Fixed Deposit	UGX 8,000,000	UGX 8,960,000	UGX 960,000	12%	Dec 2026	Active
Rental property share	UGX 3,000,000	UGX 3,900,000	UGX 540,000	18%	Ongoing	Active
MTN Uganda shares	UGX 2,000,000	UGX 2,400,000	UGX 310,000	15.5%	Open	Active

Running balance

—

Matched entries

—

Unmatched entries

—

Account details

Reference info only — not tied to a live bank feed (manual reconciliation, by design).

BankDFCU Bank Uganda

Account nameBrandGuard Investment Club

Account number01045XXXXX012

SignatoriesChairman + Treasurer

Post transaction

Narration

Credit (UGX)

Debit (UGX)

Reference

Transaction ledger

Date	Narration	Debit	Credit	Balance	Matched
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⚠ Demo data — this page is not yet connected to the live ClubLedger API.

Download the CSV template for each data type, fill it in, then upload. System validates format before importing.

👥

Members

Bulk register members

Drop file or click · CSV only

💰

Contributions

Bulk upload savings

Drop file or click · CSV only

📋

Loan disbursements

Import historical loans

Drop file or click · CSV only

🏦

Loan balances

Outstanding balances

Drop file or click · CSV only

💵

Expenditure

Club expenses history

Drop file or click · CSV only

📊

Upload history

savings_apr2026.csvDone

loans_mar2026.csvDone

members_jan2026.csvDone

⚠ Demo data — there's no backend module for generating PDF/Excel reports (this would be new functionality). The underlying data for several of these (loans, recovery, audit trail) is real and queryable via the API — only the canned report/export generation itself is unbuilt.

📊

Reducing balance interest

💰

Loan book report

🏦

DFCU reconciliation

🔄

Recovery ledger

📅

Dec distribution

📁

Savings history

💵

Cash flow statement

🔍

Audit trail

📈

Interest income (FY)

Audit trail

Date	Action	User	Details
12 Apr 2026	Contributions	Lydia Khainza (Treasurer)	April contributions posted — 22 members
11 Apr 2026	Loan approved	Patrick Ssemujju (Chairman)	James Mayende — UGX 3M @ 5%/mo
10 Apr 2026	Interest posted	System	Reducing balance accrual — 23 borrowers
08 Apr 2026	Recovery	System	Bajole April savings UGX 50,000 withheld

⚠ Demo data — this page is not yet connected to the live ClubLedger API.

Exit requests with outstanding loans: loan transferred to guarantor or deducted from savings. Chairman initiates termination; both Chairman and Treasurer must approve.

Pending requests

Member	Type	Date	Outstanding loan	Guarantor	Status	Action
Enos Wanambwa	Self-request	10 Apr 2026	None	—	Pending
Sarah Saano	Chairman initiated	09 Apr 2026	UGX 400,000	Julius Mawanda	Pending treasurer

External → member status change

Chairman only

Historical records during external status remain unchanged. New member rate applies to loans from the change date only.

External borrower

New status

Effective date

Notes

Committee

Elections & Voting

Resolutions

Election History

My total savings

—

My share %

—

of total pool

Active loan

—

Guarantee requests

—

awaiting your decision

My credit profile

⚠ Demo estimate — there's no real credit-scoring model built yet.

830

Excellent standing

No missed payments · Max eligible: UGX 31.8M

3001000

Quick actions

My contribution history

Period	Amount	Reference
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Loan extension request

⚠ Demo data — extension requests aren't wired to the API yet.

If your loan principal remains outstanding beyond the agreed term, request an extension below. Requires Chairman approval.

Select loan

Extension duration (months)

Reason for extension

My distribution history

Fiscal year	My share %	Entitlement	Outcome
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Loading eligibility...

Loan application

3%/mo reducing balance

Loan amount (UGX)

Duration (months)

Purpose

Base amount EMI—

Total interest—

Total repayable—

Effective rate—

Loans continue accruing until principal is fully cleared. Extensions require Chairman approval.

My loan eligibility

Loan policy summary

Up to 75% of savings3%/mo · No guarantor

75%–200% of savingsSurplus @ 5%/mo · Guarantor required

Interest methodReducing balance

ApprovalAny 2 committee members

Max term24 months (extendable)

When a member's loan request exceeds their 75% no-guarantor limit, the surplus needs a guarantor whose own loans don't exceed 75% of their savings. Requests you're asked to guarantee appear here.

Requests awaiting your decision

History

⚠ Demo data — this page is not yet connected to the live ClubLedger API.

External borrowers (non-members) may apply for loans at 5%/month reducing balance. All applications require collateral documentation and two committee member co-signatures.

External loan application

5%/mo reducing balance

Applicant / entity name

Contact phone

Email

Loan amount (UGX)

Duration (months)

Purpose

Monthly EMI—

Total interest—

Total repayable—

Collateral & supporting documents

Upload all documents that represent or support the collateral for this loan. Accepted formats: PDF, JPG, PNG, DOCX (max 10MB each).

Click or drag & drop files here

Title deeds · Bank statements · ID copies · Valuation reports · Any collateral evidence

Document checklist

National ID / Certificate of IncorporationMissing

Collateral evidence (title deed / asset)Missing

Bank statement (last 3 months)Optional

Valuation reportOptional

Profile photo

SK

JPG or PNG · Max 5MB

⚠ Demo — photo upload isn't wired to the API.

Personal details

⚠ Name/email below are real (from your account). Saving changes to phone/address/next-of-kin isn't wired — there's no backend endpoint for editing that yet.

Full name

Email

Phone

Address

Next of kin

Change password

Live

Current password

New password (min. 8 characters)

Confirm new password

⚠ Demo data — membership exit has no backend workflow built yet.

Request membership exit

Important: Requires Chairman and Treasurer approval. Outstanding loans will be transferred to your guarantor or deducted from your savings before exit is confirmed.

Current status

Outstanding loan

Total savings on record

Reason for exit

⚠ Demo data — this page is not yet connected to the live ClubLedger API.

Support Admin Console — Full system access. All your actions are logged to the master audit trail.

Total users

31

22 members + 9 external

Active sessions

4

All healthy

Database size

2.4 GB

Last backup: today

Uptime

99.8%

Last 30 days

Failed logins (24h)

3

No lockouts

Open tickets

1

1 pending

System health

Web serverOperational

PostgreSQL databaseOperational

Email / SMTPOperational

DFCU API linkConnected

Automated backupsDaily 03:00 EAT

Interest engine (cron)1st of month

Recent admin actions

Password reset — Rashid Karungi2h ago

Role updated — Paul J. Batte → Secretary1 Apr

DB backup triggered manually31 Mar

System v2 go-live — March 2026 data loaded1 Apr

All system users

User	Role	Email	Last login	Action
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This is a static reference table describing how roles are configured in the backend — not live data, but not "demo" either.

Role permissions matrix

Action	Chairman	Treasurer	Secretary	Member	Support Admin
Record contributions	✗	✓	✓	✗	✓
Add new member	✓	✗	✓	✗	✓
Approve loans (any 2 of 3 committee)	✓	✓	✓	✗	✗
Post loan repayments	✗	✓	✓	✗	✓
Open/confirm recovery cases	✓	✗	✓	✗	✓
Post manual recovery payments	✓	✓	✓	✗	✓
Preview / lock distributions	✓	✓	✓	✗	✓
Create resolutions / elections	✓	✗	✓	✗	✓
Post/match bank transactions	✗	✓	✓	✗	✓
Update club loan-rule settings	✗	✗	✗	✗	✓

Master audit log

Timestamp	Action	Entity
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Loan rule settings

Live — reading from and writing to the real club record.

Club name

Member rate (%/month)

External borrower rate (%/month)

No-guarantor limit (%)

Guarantor max loan (%)

Committee co-signs required

Committee fee cap (%)

Email configuration

⚠ Demo data — email/SMTP delivery isn't wired to the API (push/SMS notification dispatch is real; this specific email config screen isn't).

SMTP server

From email

Support email

Reset password

Register new member

Terminate membership

BrandGuardInv. Club

Dashboard

Pending loan approvals

DFCU reconciliation

Member & borrower registry

Record contribution

Top contributors (FY)

Loan interest calculator

Flat vs reducing — UGX 5M / 12mo / 3%

Amortisation schedule

Earnings withholding

Post a one-off recovery payment

Payment history

Distribution preview — Dec 2026

Distribution history

Portfolio

Account details

Post transaction

Transaction ledger

Audit trail

Pending requests

External → member status change

My credit profile

Quick actions

My contribution history

Loan extension request

My distribution history

Loan application

My loan eligibility

Loan policy summary

Requests awaiting your decision

History

External loan application

Collateral & supporting documents

Document checklist

Profile photo

Personal details

Change password

Request membership exit

System health

Recent admin actions

All system users

Role permissions matrix

Master audit log

Loan rule settings

Email configuration

BrandGuard
Inv. Club