Oberon

Named after Uranus’s largest moon, Oberon is an AI-integrated web-based cooperative management system designed to streamline member services, loan processing, and savings management.

Oberon is an AI-integrated ERP platform purpose-built for cooperatives to modernize their financial and operational management. Developed with Laravel 12 and Vue.js, Oberon provides an intuitive, responsive interface supported by powerful features such as member management, savings tracking, loan processing, and real-time reporting. What sets Oberon apart is its deep integration with artificial intelligence—enabling intelligent credit scoring, predictive insights on member behavior, and anomaly detection in transactions. AI also assists cooperative staff in decision-making, such as suggesting optimal loan terms or detecting high-risk members early. By combining smart automation with flexible role-based access, Oberon helps cooperatives operate transparently, reduce manual burden, and serve members more effectively in a digital-first world.

Table of Contents

Purpose

  • Leverage AI to make informed, data-driven decisions in lending, risk analysis, and operational efficiency.

  • Streamline cooperative workflows such as member onboarding, savings deposits, and loan approvals.

  • Enable intelligent credit scoring based on member profiles, payment history, and behavioral patterns.

  • Improve fraud detection and compliance using AI-powered anomaly detection.

  • Empower cooperative staff with AI-assisted suggestions for risk management, loan prioritization, and follow-up actions.

  • Increase accessibility and transparency across cooperative operations.

  • Automate repetitive administrative tasks to reduce workload and improve response times.

  • Support growth and scalability without compromising control or service quality.

Key Features

User Account

  • Login & Forgot Password

  • Update profile and change/reset password

  • Language switching: id, en

  • View and terminate active login sessions

  • Self-service account deletion

  • User types:

    • Member: Cooperative member/end user

    • Admin: Operators/staff with dynamic roles

Dashboard

  • Summary of cooperative metrics: active members, total savings, loans, delinquency

  • Upcoming loan maturities and overdue statuses

  • AI insights (e.g., potential defaulters, inactive members)

  • Role-based widgets (Finance, Membership, Managerial views)

Savings Management

  • Create and manage savings products (voluntary, mandatory, time deposits)

  • Automatic monthly deductions (via payroll or manual)

  • Real-time balance tracking

  • AI reminders for missed deposits

  • Exportable member savings history

Loan Management

  • Loan application via form

  • Manual or AI-recommended approval workflow

  • Set loan terms: interest, duration, repayment type

  • Auto-calculated amortization schedule

  • Loan lifecycle tracking: requested, approved, disbursed, repaid, defaulted

  • AI Credit Score Engine based on:

    • Member savings history

    • Loan repayment behavior

    • Contribution frequency

    • Historical delinquency

Credit Scoring (AI-Powered)

  • Automatic credit score generation

  • Customizable scoring rules (admin-defined weight per criteria)

  • Score categories (e.g., Excellent, Good, Fair, Poor)

  • Used in loan decision support system

Contribution & Payment Tracking

  • Monthly contribution input (manual or import)

  • AI alerts for missing or late contributions

  • Custom contribution types per cooperative policy

Reports

  • Exportable reports: CSV, PDF

  • Member contribution summary

  • Loan performance and aging

User Management

  • Full user CRUD

  • Automatic email delivery of login credentials

Member Management

  • Full CRUD for member profiles

  • Member statuses: active, inactive, blacklisted

  • Upload and manage member documents

  • AI-based duplicate detection and behavioral profiling

Roles & Permissions

  • Full CRUD for roles

  • Access control with the following permissions:

    • User: ViewUser, AddUser, EditUser, DeleteUser, ApproveUser

    • Role: ViewRole, AddRole, EditRole, DeleteRole, ApproveRole

    • Member: ViewMember, AddMember, EditMember, DeleteMember, ApproveMember

    • Savings: ViewSaving, AddSaving, EditSaving, DeleteSaving, ApproveSaving

    • Loan: ViewLoan, AddLoan, EditLoan, DeleteLoan, ApproveLoan

Technology

PreviousCharon Software License Agreement (Single-Device License)NextDesign

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