Route-based daily collection, guarantor and lien controls, and a double-entry ledger that is checked every night — for cooperative societies, daily-contribution (ajo/esusu) operators, and microfinance banks alike.
Not a spreadsheet with a login screen — every collection, disbursement, and lien is a double-entry posting, and the books are checked automatically, every night.
Every tenant's ledger is verified balanced every night. A discrepancy is flagged the same night it happens, not at year-end audit.
Savings pledged as collateral are moved into a separate liened account, not just flagged — so a withdrawal path can't accidentally pay out money that's securing a loan.
Field officers walk assigned collection routes and print a receipt for every payment straight from the ledger record — never before it's booked.
Every collection tracks the gap between when cash was taken and when it was banked — the single best signal for catching a field-officer problem early.
Each branch holds its own vault and balances independently, while an administrator sees the whole institution rolled up.
Every institution's data is walled off from every other's. A platform administrator account exists solely for cross-tenant support — nothing else can see across the boundary.
Flat or reducing-balance interest, your own rate bands and penalty rules, set per product — not a single hardcoded formula every borrower is forced into.
Delinquency is tracked in the same day-past-due bands examiners expect, feeding both the PAR report and an automatic loan-loss provision — not a single "risk score" standing in for real classification.
Every collection prints straight to a pocket thermal printer or the front desk — generated only after the payment is booked, so what's on the paper always matches what's in the books.
A lender's software is judged on what it stops, not just what it enables. These are the controls, not just the claim.
Every sensitive action — collect, disburse, reverse, approve — is gated by role at the code level. A branch manager cannot self-authorise the same act an officer performs, by design, not by policy document.
Route officer logins are restricted to route hours. Outside that window, the account cannot sign in at all — nothing to remember to switch off.
A posted ledger entry cannot be altered or deleted — enforced at the database level, not just in the application. Correcting a mistake always means a new, offsetting entry, never an edit.
Large transactions, structuring patterns, and reactivated dormant accounts are flagged the moment they post, feeding a live risk rating — not discovered at month-end review.
Every nightly backup is encrypted before it ever touches disk. The key that can decrypt one doesn't live on the same server as the backups it protects.
Required for administrator and branch-manager accounts — the roles that can disburse or reverse money on their own signature don't get to rely on a password alone.
Your organisation, its first branch, and your own administrator login are created together — no setup call required.
Assign field officers to collection routes and start recording members, savings, and loans.
Daily collections post straight to the ledger. Every night, the books are checked for you.
Questions before you sign up, or already a customer and need a hand? Reach us directly, or use the chat in the corner of this page.
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