MPlus digitizes the entire paluwagan process from member registration to final payouts, removing human error.
Define monthly contribution amounts, start dates, and assign a dedicated Group Admin.
Add members. Members can purchase multiple accounts/slots which are automatically tracked natively.
Log monthly collections rapidly. The system tracks who has paid their dues for the current cycle month.
Record bidding or repa winners. The system instantly calculates net payouts minus loans and admin fees.
From member onboarding to final payouts — MPLUS handles every step of your microfinance workflow with precision.
Secure, isolated data environments for every tenant. A single Super Admin dashboard governs unlimited organizations — each with their own admin, groups, members, and financial records. Zero data bleed, ever.
Log monthly dues in seconds. The system tracks payment status per cycle, per member, with automatic rollover calculations.
Record winners for bidding auctions or scheduled repa payouts. Net amounts, admin fees, and deductions are computed automatically.
Issue loans from the group fund with interest tracking. When a member wins a payout, outstanding loan principals are auto-deducted before release.
Centralized ledger for admin fees, loan interest, and penalties. Every peso in the group fund is accounted for with a clear audit trail.
Members can hold multiple contribution slots simultaneously. Shared contact info syncs across all slots, eliminating duplicate data entry.
Every data table comes with blazing-fast search, sort, and one-click export to CSV, Excel, or PDF — powered by DataTables Pro included at no extra cost.
Every layer of MPLUS is hardened with modern security practices — so your financial data is always protected.
Every form submission is guarded by a cryptographic CSRF token. Cross-site request forgery attacks are automatically blocked before they reach any data layer.
Passwords are never stored in plain text. MPLUS
uses PHP's native password_hash() with the bcrypt
algorithm — industry-standard adaptive hashing.
Sign in with your Google account via verified JWT ID tokens. Credentials are validated cryptographically against Google's public keys — no passwords transmitted over the wire.
Every query is scoped to the authenticated tenant's
admin_id. Even if a session is
hijacked, no cross-tenant data is accessible by design.
A server-side math CAPTCHA on registration prevents automated spam account creation. The answer is stored in the PHP session — impossible to bypass via browser manipulation.
Sessions are regenerated on login to prevent
fixation attacks. Cookies are set HttpOnly and SameSite=Lax. Security headers
(XSS, MIME-sniffing, clickjacking) are enforced globally.
MPLUS security stack is 100% self-contained — no third-party auth libraries, no cloud vaults. Your data stays on your server.
Create a free account in under a minute. No credit card required. Upgrade to Pro anytime.
Start for free to evaluate the platform, then upgrade when you're ready to scale your organization.
Perfect for small paluwagan groups getting started with digital management.
Up to 5 active groups with unlimited member slots
Unlimited active groups and member slots
Everything you need to master MPLUS — from setting up your first group to managing advanced loan cycles and financial reporting.
7-step quick-start checklist to get your first cooperative group up and running in minutes.
Create and configure cooperative groups, add members, and manage late-joining member offsets.
Record monthly payments using fast-pay checkboxes or manual edit forms. Understand locked vs active cycles.
Record monthly bidding winners and rotating repa payouts with automatic pool and rollover calculations.
Issue member loans, track interest payments, and manage separate admin loan accounts with interest-only payments.
Answers to the most common questions about payments, cycles, rollover, and impersonation features.
Ready to dive in?
Step-by-step instructions, comparison tables, tip callouts, and a complete FAQ — all inside the app after you log in.
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