Financial Reports & Exports

Last updated: January 9, 2026 · Admin Guide · 10 min read

Zeturi provides comprehensive financial reports and export options for admins and treasurers. All financial data can be exported for accounting, auditing, or record-keeping purposes.

Available Reports

1. Member Statement

Location: /scheme/[id]/statement

What It Shows:

• Member-specific transaction history
• Opening balance
• All contributions
• All distributions received
• Closing balance
• Customizable date range

Export Options:

• PDF (formatted statement with scheme branding)
• CSV (raw transaction data)

2. Scheme Ledger (Admin/Treasurer Only)

Location: /scheme/[id]/ledger

What It Shows:

• All scheme transactions
• All members' activity
• System entries (suspense, adjustments)
• Full audit trail

Columns:

• Date & Time
• Member ID and Name
• Transaction Type
• Amount (ZAR)
• Balance After
• Recorded By (admin name)
• Reference/Notes

3. Monthly Summary

What It Shows:

• Total contributions for the month
• Total distributions
• Net change
• Member count
• Average contribution
• Comparison to previous month

4. Annual Summary

What It Shows:

• Year-to-date totals
• Month-by-month breakdown
• Member growth over time
• Financial health indicators

5. Scheme-Specific Reports

Burial Societies

• Arrears Report – Members behind on premiums
• Claims Report – All claims (pending, approved, paid, rejected)
• Reserve Fund Report – Reserve balance and health

Investment Clubs

• Portfolio Report – Asset allocation and performance
• NAV History – Unit price over time
• Performance Report – Realized/unrealized gains

Property Syndicates

• Rental Income Report – Monthly rental history
• Expense Report – Operating costs breakdown
• Capital Events Report – Capital calls and distributions
• Loan Amortization – Loan repayment schedule

Exporting Reports

CSV Export

Includes:

• All transaction data
• Member information (with optional PII masking)
• Timestamps (Africa/Johannesburg timezone)
• Recorded by (admin name)
• References and notes

How to Export:

1. Navigate to Report
   Go to Statement, Ledger, or specific report page
2. Set Date Range
   Choose: Last month, Last 3 months, Last year, or Custom
3. Apply Filters
   Filter by member, transaction type, or other criteria
4. Click Export CSV
   File downloads immediately

PDF Export

Includes:

• Professional formatting
• Scheme branding (name, code)
• Date range
• Summary totals
• Signature line (for official records)
• Page numbers
• Generated timestamp

How to Export:

1. Navigate to Statement
   Go to your member statement or ledger
2. Set Date Range
   Choose the period you want to export
3. Click Download PDF
   PDF generates and downloads

Privacy Controls

PII Masking

When exporting data, you can choose to mask personally identifiable information:

• Emails – Masked as j***@example.com
• Mobile Numbers – Masked as ***1234
• ID Numbers – Fully hidden

Sensitive Data Export

To export unmasked PII, you need:

• Admin role
• Special "export_pii" permission (if enabled)
• Valid reason (logged in audit trail)

Date Range Selection

Preset Ranges

• Last Month – Previous calendar month
• Last 3 Months – Last 90 days
• Last Year – Last 365 days
• Year to Date – January 1 to today
• All Time – Since scheme creation

Custom Range

1. Select Custom
   Choose "Custom" from date range dropdown
2. Pick Start Date
   Select the beginning of your range
3. Pick End Date
   Select the end of your range
4. Apply
   Report updates with selected range

Understanding Report Data

Transaction Types

• Contribution – Money paid into the scheme
• Distribution – Money paid out to members
• Adjustment – Admin correction or reversal
• Transfer – Between members (rare)
• Fee – Subscription or service fees

Balance Calculations

For stokvels and burial societies:

Balance = Total Contributions - Total Distributions

For investment clubs and property syndicates:

Value = Units Owned × Current Unit Price (NAV)

Currency Format

All amounts are in ZAR (South African Rand):

• Format: R1 234.56
• Space thousand separator
• Dot decimal separator

Best Practices

• Export regularly – Monthly exports for accounting records
• Use date ranges – Don't export all-time data unless necessary
• Mask PII when possible – Only export unmasked data when required
• Store exports securely – Protect downloaded files with encryption
• Delete old exports – Don't keep unnecessary copies of member data
• Document export purpose – Note why you're exporting (for audit trail)
• Review before sharing – Ensure no sensitive data is included

Common Use Cases

Monthly Accounting

1. Export ledger for previous month (CSV)
2. Import into accounting software
3. Reconcile with bank statements
4. Generate financial reports

Annual Audit

1. Export full year ledger (CSV)
2. Export member list with balances
3. Export bank reconciliation report
4. Provide to auditor

Member Statements

1. Navigate to member statement
2. Select year-to-date range
3. Download PDF
4. Email to member or print for records

Troubleshooting

Export Button Disabled

Cause: No data in selected date range

Fix: Adjust date range or check filters

CSV Opens Incorrectly in Excel

Cause: Excel locale settings

Fix: Use "Import Data" feature in Excel instead of double-clicking

PDF Not Generating

Cause: Browser popup blocker

Fix: Allow popups for Zeturi, then try again