MicroFinance
Innovative core lending system empowers microfinance institutions with agile, scalable, and end-to-end digital tools to manage loans, reduce risk, and drive financial inclusion
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Our Market
Outstanding points
Loan Originating System
Handles the front-end of the lending process, from receiving applications to making approval decisions. It supports multiple application channels, automates KYC and AML checks, manages document submissions, and facilitates credit evaluation and underwriting workflows.
Loan Management System
Once a loan is approved, the Loan Management System takes over to manage the entire lifecycle of the loan. This includes disbursement, interest and fee calculation, repayment scheduling, and ongoing servicing of the loan account until closuree.
Payment and Collection Module
Automates the collection of loan repayments through various channels such as direct debit, bank transfers, or digital wallets. It also manages payment schedules, reconciles incoming payments, and handles overdue tracking to ensure cash flow and reduce delinquency.
Risk and Credit Scoring Engine
Evaluates an applicant’s creditworthiness using internal models and external credit bureau data. It helps lenders make informed decisions by calculating risk scores and identifying potential red flags early in the process
Reporting and Analytics
This component provides actionable insights through dashboards and reports. It supports regulatory compliance, operational monitoring, and strategic decision-making by tracking key metrics such as loan performance, portfolio quality, and default rates
Compliance and Audit Module
To ensure regulatory adherence, this module tracks user activities, enforces access control, and maintains comprehensive audit trails
Collections and Recovery Module
When loans become overdue, this module triggers automated reminders and supports manual collection efforts. It also manages restructuring options, settlement plans, and legal proceedings, aiming to recover dues while preserving customer relationships
Customer Relationship Management (CRM)
CRM functionality provides a centralized view of customer interactions and profiles. It supports targeted engagement, customer service management, and helps lenders better understand borrower behavior and needs across the lifecycle
