Sharia finance software,fully online

LEMONS (Layanan Elektronik Manajemen Banking Online Syariah) is an online application that helps financial institutions such as cooperatives, BMTs, and Sharia banks run every banking operation — from member data and reporting to profit sharing and SHU (member surplus).

Try it free ↗Visit systemlemon.com
  • Sharia
  • Multi-Platform Online
  • Realtime Report
Lemons dashboard
Lemons mobile app: contacts, transfer, bills, scan, and the member's savings accounts

Three pillars

Built on Sharia principles

Elevating service for cooperative, BMT, and Sharia bank operators, so their institutions stay ahead.

  • ShariaThe system follows Sharia principles proven across Islamic financial operations, including BMTs, cooperatives, and Sharia banks.
  • Multi-Platform OnlineBuilt for simplicity, comfort, and speed — accessible online from any device, whether laptop, tablet, or smartphone.
  • Realtime ReportEvery report — members, savings, financing, and all other financial statements — is now available in real time.
Lemons dashboard: total members, savings arrears, and transaction and installment performance

Dashboard

Your entire institution on one screen

Every report — members, savings, financing, and all other financial statements — is now available in real time.

Lemons Personal app on a tablet: a blessed, riba-free Sharia app

Multi-platform

Lemons Personal for members

Built for simplicity, comfort, and speed — accessible online from any device, whether laptop, tablet, or smartphone.

LEMONS Passbook card and passbook

Passbook

Print passbooks with ease

Print passbooks effortlessly with a passbook printer.

Laptop showing Lemons performance report charts

Performance report

Performance charts you can read at a glance

The financial performance report presents your institution's financial performance as charts and graphs.

Advantages

12 reasons to choose Lemons

LEMONS (Layanan Elektronik Manajemen Banking Online Syariah) is an online application that helps financial institutions such as cooperatives, BMTs, and Sharia banks run every banking operation — from member data and reporting to profit sharing and SHU (member surplus).

  • Fully OnlineAccess the app online anytime, anywhere — on PC, tablet, or smartphone.
  • Data MigrationA smooth path for users of legacy systems to move to LEMONS.
  • Realtime ReportMember, savings, financing, and financial reports — all available in real time.
  • Multi BranchBuilt-in support for multiple branches to help your financial operations grow.
  • Sharia-BasedBuilt on Sharia systems and principles in line with the standards applied in Indonesia.
  • Up To DateNew features keep arriving as the times and your financial operations evolve.
  • PassbookPrint passbooks effortlessly with a passbook printer.
  • Multi UserSupports many users, each assigned to different access levels and branches.
  • ISO 9001:2015Our application standards follow SOPs aligned with the ISO 9001:2015 quality standard.
  • RebrandingUse your own brand name, logo, and address to suit your institution.
  • Auto-DebitA range of automated features for more efficient, effective financial operations.
  • Free TrainingFREE training and ongoing support, with no time limit.

Features

Complete modules for Sharia financial institutions

From contracts (akad) to financial statements, every module follows Sharia rules and principles.

Savings & members

  • Sharia SavingsOpen savings accounts at banks or financial institutions that follow Sharia finance principles.
  • PassbookPrint account information directly into a passbook.
  • Auto-DebitLet users schedule automatic payments from their accounts.
  • Member RegistryCollect and maintain core information on every member of your organization.

Financing & contracts

  • Sharia FinancingFinancing that follows Islamic Sharia principles.
  • Sharia Contracts (Akad)In Sharia banking, an akad is the contract that governs the relationship between the bank and its customer on the basis of Sharia principles.

Financial reports

  • Performance ReportThe financial performance report presents your institution's financial performance as charts and graphs.
  • General Journal ReportThe general journal records every financial transaction your institution makes.
  • Profit & Loss StatementThe profit and loss statement, also known as the income statement, shows the revenue, expenses, and profit your institution generates over a given period.
  • Balance SheetThe balance sheet gives a snapshot of your institution's financial position at a specific point in time.

Support & mobile

  • Printed ReceiptsTransaction receipts are printed automatically whenever a customer transacts at your institution.
  • Mobile Report AppThe mobile report app lets customers of Sharia financial institutions transact conveniently from their mobile devices.

Join now

Pricing within reach

Try it free first, then join on the terms your institution needs.

  • FREE TRIAL

    LEMONS

    From Rp 300k per month

    For cooperatives, BMTs, and Sharia banks

    • Fully online & multi-platform
    • Multi branch & multi user
    • Data migration from your legacy system
    • Rebranded for your institution
    • Free training & support
    • Continuously updated features
    Try it free ↗

One ecosystem

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Customer Service

What would you like to ask?

We're here to help with any question, need, or concern. Our team is dedicated to delivering fast, effective solutions.

Lemon Team+62 823-2028-2891 Customer service+62 895-2087-6563 Emaillokarekadigital@gmail.com OfficeGraha Mulia Sejahtera, Bandung
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