a soft ware - open to bidding

My requirements are as below, First I don’t have a web site and I want a software that can easily perm the following. 1. Customers & Member Full Registers 2. Deposits & invite more people 3. Remittances & Statements 4. Deposit Taking 5. SMS banking Services 6. Fixed Deposits Accounts 7. Commercial Shares Management 8. Customer Products Management For Customers and Members • Captures all legal and statistical details • Captures next of kin details. • Captures passport photos and signatures. • Allows you to include advisory, instructions or any notes to a member or customer. • Prompts tellers if a customer has instructional notes in their account. • Can block, black list or restrict members /Customers Data Management: • Automates regular charges, standing orders, penalties and any others. • Allows storage of recurrent and repetitive transactions so that they are re-used. • Has all standard reports including those requested by regulatory bodies. • Imports and exports data to Excel, Word, Internet, Acrobat and RTF format. No Limits: • Unlimited number of standard and customizable reports. • No Limit in number of users, members, customers, accounts, or transactions. • Audit control on all records including creation/ modified date, by whom and when. • Allows you to design unlimited loan and saving products the way you want. Results • Produces statements for members and customers that can be printed or saved as word excel web pages and acrobat files to be sent via e-mail. • Allows you online inquiries on balances, history and statements. • Reports can be customized to print on special printers like the A4, 60 or 80 mm widths and can have logos Users can customize 1. Profile 2. Savings Products 3. Share Products 4. Own Reports 5. Excel Imports 6. Lists and displays Show 1. Number of members 2. Size of database 3. Expected data migration & upload 4. No. of users to be trained 5. No. of computers to be installed 6. General labor and expenses 7. We shall discuss and you will afford it. Do 1. Direct data entry 2. Excel imports - several readymade Excel templates are available for this 3. Loan/shares due generations 4. Recurrent data re-use 5. Contributions/Remittances from companies, factories or employers Also the following • Membership forms • This Captures details of new members, next of Kin, updates, display of existing, dormant, withdrawn, or archived members. • Share Contribution forms Updates, deposits as well as calculating Amounts. • Banking Module • For Savings, withdrawals and interest processing i.e. Front Office Processes • Loan capture forms • Captures loan details, loan processing stages and monitoring. • Recurring inputs enabled • Dividends Processing available • Various possibilities of querying the database as you may wish • Directs reports to file or printers and has extensive reporting facilities • Backup utilities incorporated • Accounts Receivable • Accounts Payable • Unlimited Bank Accounts with different security levels. • Recurring entries on-line or batch mode. • 45 character long alphanumeric account codes. • Ability to import transactions from other accounting systems. • Partial Invoice Payments. • Optional fields in all modules. • Maintains customer database records • Keeps meter reading records for as long as required • Able to receipt in Cash on mobile money network. • Is multiuser and can be used in a Wide Area Network environment. • Avails disconnection list, meter status, estimate readings and historical data. • Various security levels are available. • Detailed audit trails incorporated. User Requirement The software can be installed on any PC running on any Windows version released after year 1999. Products - Loans, Shares and Savings • Gives standard controls and parameters to define products. • Allows you to create your own controls. • Allows you to define unlimited product types. • Allows you to design products the way you want including interest rates, maximum and minimum amounts, standard i