Microfinance Suite
Financial inclusion, production-ready. Complete MFI platform with group lending, IFRS loan provisioning, cooperative share accounts, teller operations, field officer tools, and savings products — all in one API.
Complete MFI Platform
Six integrated modules covering every aspect of microfinance operations — from field collection to regulatory provisioning.
Group Lending
Joint liability lending groups with center hierarchy. Meeting scheduling, attendance tracking, and group loan disbursement with shared guarantee structure.
- Joint liability group structure
- Center and village hierarchy
- Meeting management and attendance
- Group loan cycle tracking
IFRS Loan Provisioning
IFRS 9-compliant loan loss provisioning with four classification stages. Configurable provision rates per stage with automatic staging based on days past due.
- Standard / Substandard / Doubtful / Loss
- Configurable provision rates per stage
- Automatic DPD-based reclassification
- Provision expense GL posting
Share Accounts
Cooperative member share accounts with share certificate management. Dividend calculation at period close and distribution to member accounts.
- Member share certificates
- Share purchase and redemption
- Dividend calculation per period
- Automatic distribution to savings
Teller Operations
Branch vault management with teller cash allocation. Cash-in and cash-out transactions with balance guards preventing over-disbursement.
- Vault and till management
- Cash-in / cash-out with balance guard
- Teller opening and closing entries
- Denomination tracking
Field Officer Tools
Territory assignment and collection sheet generation for field agents. Sync collections made in the field back to core with offline-first mobile support.
- Territory and route assignment
- Daily collection sheet generation
- Mobile sync for offline collections
- Performance dashboard per officer
Savings Products
Flexible savings product engine with simple and compound interest calculation. Dormancy tracking with auto-notification and configurable reactivation fees.
- Simple and compound interest
- Dormancy detection and notification
- Minimum balance enforcement
- Tiered interest rate schedules
IFRS Loan Classification
Automatically classify loans into four IFRS stages based on days past due (DPD) and calculate provision amounts using configurable rates.
| Stage | DPD Trigger | Default Rate | Status |
|---|---|---|---|
| Standard | 0–30 days | 1% | Performing |
| Substandard | 31–90 days | 10% | Watch |
| Doubtful | 91–180 days | 50% | Non-performing |
| Loss | 181+ days | 100% | Write-off |
All provision rates are configurable per product type and jurisdiction.
Launch Your MFI on a Proven Platform
Everything from group loan disbursement to regulatory provisioning — production-ready, API-first, and built for the field.