Credit Union maintenance
The program is the nucleus of Curtains for Windows. Most of the key information is set via this program, and a variety of functions can be enabled/disabled here. The key items have been seperated into different sections at the bottom of the screen.

The fields
- CU Number - Number applied to the credit union, this would normally correspond to its registration number.
- Name - The credit unions name.
- Address - The credit unions address.
- Tel No. - The credit unions telephone number.
- Fax No. - The credit unions facsimile number.
- E Mail - The credit unions email address.
- FSA Ref No. - Number assigned by the FSA to the credit union.
- Equifax ref. - ID number assigned by Equifax to the credit union.
- Affiliation - The governing body to whom the credit union is affiliated.
- Profit code (Balance sheet/P and L) - In order for the "nominal trial balance" report to balance, when profit (if any) is calculated, it will be shown on both the balance sheet and Profit/Loss sections as equal but opposite amounts.
- Rounding code (Balance sheet/P and L) - In order to show the accounts as rounded values (i.e. no decimal places), Curtains will store the pence value differences when running calculations within these codes.
- Year end date - The credit unions financial year ending date.
- Asset (start and end dates) - The credit unions financial year starting and ending dates. The dates will be referenced when printing within fixed assets.
- Balance sheet text - For your own reference, when printing the balance sheet, this text will appear at the top of your printout.
- P + L account text - For your own reference, when print the the profit and loss account, this text will appear at the top of your printout.
- P + L account title - For your own reference, when print the the profit and loss account, this text will appear at the top of your printout.
- Balance sheet title - For your own reference, when print the the profit and loss account, this text will appear at the top of your printout.
- Common bond - The members who are eligible to join the credit union will have something in common. It may be that they either live or work within the same area as the credit union. Eligibility is defined by the credit union and what that common bond should be, is recorded in this field.
Printing tab

- Allow cheque production - If you require Curtains to printout your cheques this box must be
otherwise it should be
.
- Cheque style code - If cheques are required (
), a code will be given to you by Kesho to indicate the cheque style being printed.
- Cheque report name - If cheques are required (
), a report name will be given to you by Kesho to indicate the cheque report name.
- Allow receipt production - If you require Curtains to printout your receipts this box must be
otherwise it should be
.
- Receipt style code - If receipts are required (
), a code will be given to you by Kesho to indicate the receipt style being printed.
- Receipt report name - If receipts are required (
), a report name will be given to you by Kesho to indicate the receipt report name.
- Passbook required - If you require Curtains to printout to a passbook this box must be
otherwise it should be
.
- Passbook style - If passbook printing is required (
), a code will be given to you by Kesho to indicate the passbook style being printed.
Posting tab

- Allow part payments - Allows Curtains to record partial repayments of loan accounts. (
= Yes ) (
. = No )
- Allow pledged shares - Allow certain restrictions to share accounts when loans are issued. (
= Yes ) (
. = No )
- Manual loan repayments advance date - Allow next payment due dates to be advanced in manual loan posting for automated loan repayments. (
= Yes ) (
. = No )
- Allow interest override - Allow the user to overide the interest amount calculated by Curtains. (
= Yes ) (
. = No )
- Store over written interest - If the user changes the value of interest calculated, should that difference be stored. (
= Yes ) (
. = No )
- Store top up interest - When a top up loan is allocated, should the outstanding interest be stored. (
= Yes ) (
. = No )
- Calculate interest on a net liability basis - Should interest be based on the balance of loans minus shares ? (
= Yes ) (
. = No )
- Allow remote processing - When processing from another branch that is not linked directly to your main office, Curtains can create a record of
1) Members transactions
2) New membership creations
to a text file. This file can then be sent to your main office and uploaded into the Curtains database. This means that there is no need to reprocess the information at the head office. (
= Yes ) (
. = No )
- Pay 3 for Standing Order - Is the third payroll profile purely for standing order allocation? Not so important with the advent of direct credits. (
= Yes ) (
. = No )
- Itemise bank reconciliation entries - Normally members cash deposits would show as a lodgement to the bank with an overall credit figure, whereas items such as cheques and BACS payments would automatically be recorded as individual entries. When creating entries for the bank reconciliation program, should Curtains itemise every deposit for each member? (
= Yes ) (
. = No )
- Forecast payroll deposits during loan app - When creating a loan application for a member, it may be that the member is on a pay run. If required Curtains can calculate what the future balances of both the loan and shares would be, depending on their payroll deduction, upto the loan application date. (
= Yes ) (
. = No )
- Loan app. based on disposable income - Should the loan application process start by establishing a members free cash based on their income less expenditure. (
= Yes ) (
. = No )
- Set loan repayments to first repay (F/P) - Should a members first loan repayment be one period on from the application (F) or synchronised to the next payroll deduction. (
= Yes ) (
. = No )
Banking tab

- Bank name - The credit unions bank account name.
- Bank sort code - The credit unions bank sorting code.
- Bank account number - The credit unions bank account number.
- AUDDIS originator - Select if the credit union is registered as an AUDDIS originator. (
= Yes ) (
. = No )
- No. of member bank accounts (max 4) - This setting allows you to control how many bank accounts you can hold for each member, within member maintenance.
- BACS required - If you require Curtains to create a BACS file this box must be
otherwise it should be
.
- BACS style - If BACS are required (
), a BACS style will be given to you by Kesho.
- Direct debits required - - If you require Curtains to create a direct debit file this box must be
otherwise it should be
.
- Direct debit style - - If direct debits are required (
), a direct debit style will be given to you by Kesho.
Nominal tab

- Nominal batch number - The next nominal batch number generated by Curtains.
- Suspense nominal code - The nominal code used when "journal postings" are made.
- Lottery value - The value taken for lottery deduction(s).
- Lottery code - The nominal code used for lottery deduction(s).
- Last fixed asset nominal code - The nominal code used to indicate the last fixed asset.
- First Profit and Loss nominal code - The nominal code used to indicate the beginning of the profit and loss account.
- Auto entrance fee - If you require Curtains to automatically deduct an entrance fee from a members account this box must be
otherwise it should be
. The entrance fee will be deducted at the point when the member makes their first deposit.
- Entrance fee value - The value taken for an entrance fee.
- Entrance fee nominal code - The nominal code used for entrance fees.
- Service fee value - The value taken for a service fee.
- Service fee nominal - The nominal code used for service fees.
- Bad debt contra nominal code - The nominal code use to contra the bad debts written off nominal code, so that the effect of bad debts written off on the balance sheet should be nil.
- Treasury nominal code - The nominal code to indicate funds held in treasury where you utilise the treasury management function to assist with cash handling and bank reconciliation.
Document counts tab

Use this to maintain your cheque number ranges and receipt number ranges. Also maintain your loan counts.
Demands and needs setup - Check this box (
) to select the documents to be printed at time of loan application. Depending on a) whether you offer payment protection insurance and b) the members preference in terms of covers.
Products tab

- Ordinary shares product code - The default nominal code used for the ordinary share product.
- Preference shares product code - The default nominal code used for the preference share product.
- Juvenile saving product code - The default nominal code used for the juvenile saving product.
- Time deposits product code - The default nominal code used for the time deposit product.
- Budget product code - The default nominal code used for the budget product.
- Ordinary loan product code - The default nominal code used for the ordinary loan product.
- Revolving credit product code - The default nominal code used for the revolving credit product.
- Bad debt product code - The default nominal code used for the bad debt product.
- Mortgage product code - The default nominal code used for the mortgage product.
- Residual posting product code - The default nominal code used for the residual posting product.
Extras tab

- Enquiry statistics required - If you require Curtains to prompt the user for an enquiry statistic this box must be
otherwise it should be
.
- Allow overpayment of revolving credit - Allow the revolving credit balance to fall below 0, this would mean that money was owed to the member as the account has been overpaid. (
= Yes ) (
. = No )
- Repay revolving credit during auto transfers - Allow revolving credit to be serviced via auto loan repayment rather than at the time of payroll deduction.
- Balance enquiry based on pledged products - Should the member enquiry screen show members loan balances alongside the share account they have pledged to in product maintenance ?
- Should operators print their own audits - When printing out an audit, should Curtains show the transactions that were processed only by that teller. This would mean that if more than one teller is processing, each teller can print and clear their own individual audits. (
= Yes ) (
. = No )
- Show debit & credit boxes on nominal posting - Nominal posting can show one box for the value, where you would type in a (-) negative value for posting or two separate boxes for debit and credit postings where the sign will be assigned automatically.
- Upper case statement text - Should all the text on statements be forced to "UPPER CASE" ?
- Proper case on data fileds required - Allow Curtains to change text to "Proper Case" when entered onto the screen.
- Minimum amount of shares - What is the minimum amount to be left in shares to still be considered a member of the credit union
- Insure total payroll deduction - If selected (
= Yes ) the entire payroll will be insured, otherwise ( if applicable) only the loan repayment is insured.
- Update complete profile after loan posting - If selected (
= Yes ) the scheduled changes to the loan and savings element (if applicable ) will be updated instantly during the loan posting process.
- Bfwd date for statements - Curtains will summarise the total of transactions prior to the date entered (if any) as a brought forward balance.
- Age when juniors turn to adult - Enter the age a member has to be in order to be classed as an adult.
- No. of deferred days for cheque deposits - Enter the number of days a cheque takes to clear if deposited into a members credit union account.
- Prefered monthly to weekly divider - Where monies are being converted from monthly to weekly i.e. in terms of income/expenditure during the loan application process, enter your credit unions preference. (Normaly 4.3333)
- Treasury/management required - Treasury management allows greater control of monies being banked. Chose this option if you plan to use this function, which instructs the transaction posting program accordingly.