Run centre meetings, group loans, field collections and branch deposits from one shared record.
Microfinance institutions lend to women in joint liability groups, collect at centre meetings on a fixed cycle and close branch cash every evening. Group formation, loan files, the demand sheet and arrears sit across paper, Excel and a head-office system that branches update late. The loan management system keeps member, group, centre and loan on one record, and loan officers enter each receipt on the phone at the meeting.
An MFI branch may run dozens of centres, each meeting on a fixed day, with a loan officer carrying the demand sheet out in the morning and coming back with cash.
Head office wants portfolio at risk by branch. The branch manager wants to know which centre is slipping before its next meeting.
New groups go through training and a recognition visit before any loan. Each member’s KYC, household details and loan purpose are collected, and the file goes for approval and disbursement, usually into her bank account.
On meeting day the loan officer marks attendance, collects instalments from each member and notes anyone short or absent. Back at the branch, cash is counted against the day’s demand, deposited and entered.
Arrears are followed group by group. Utilisation checks and next-cycle loans come back to the same member record.
What goes wrong for microfinance institutions without a proper system.
What we would build for microfinance institutions.
Named the way your team already talks about the work. We start with whichever part the audit shows is costing you most.
A requirements checklist for microfinance institutions.
What to cover, which reports to ask for and what to put to every vendor, ready to print or save as a PDF.
Ready products that fit microfinance institutions.
Each one is adapted to how your business works before it goes live, and anything your trade needs that it lacks is added then. You are not paying to build the basics again.
Loan Management System
Enquiries, applications, sanction, disbursement, EMI schedules and field collections connected on one loan record.
Learn moreBank Reconciliation Software
Statement import, automated matching, part payments and bank charges, an exception list with reasons, month-end sign-off, the bank reconciliation statement and an audit trail.
Learn moreThe business modules microfinance institutions use most.
Each one is also available on its own, or inside a system built for you.
The services behind it.
ERP, CRM and Business Software Implementation
One record of stock, orders, customers and accounts, set up so your team opens it every day.
Learn moreData Migration and Moving Off Spreadsheets
Data migration and spreadsheet replacement covers auditing existing files, cleaning and deduplicating records, loading them into a new system and reconciling the result against known totals. A parallel run of both systems comes before cutover. The original files are kept as they were.
Learn moreTraining and Adoption
Training and adoption covers the work that follows a software launch. Each role is trained on its own tasks, support is present on the floor at go-live, and records are reviewed afterwards to find which steps are being skipped and why.
Learn moreData Protection and DPDP Readiness
Data protection and DPDP readiness work maps the personal data a business holds and builds consent records, access roles, retention rules and a breach response into its software. The legal reading of the Act stays with the client’s lawyer. Our part is the engineering and the documentation.
Learn moreWritten for microfinance institutions.
Practical notes on running the business, not product marketing.
How the work runs from Bengaluru for your city.
- 1
The audit, by call
A screen-share and a look at the sheets, Tally reports and WhatsApp groups your team uses. No travel needed.
- 2
A written proposal
Scope, what we build first and the cost, agreed in writing before anything starts.
- 3
Build in short rounds
Working screens shared every few weeks. Your team tests them from your own office.
- 4
Go-live, in person when it helps
For data migration and training we can come to your city. Travel is agreed in advance.
- 5
Support online
Fixes, changes and hosting handled remotely by the same team that built it.
Software we have built and run.
We only name clients whose work is published. These are systems our team designed, built and supports.
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Read the case studyQuestions microfinance institutions ask before they call.
Does it handle joint liability group loans?
Yes. Members sit inside their group and centre, so one receipt updates both the member’s dues and the group total. Group training and recognition steps can be kept as items on the loan file checklist.
Will loan officers manage where the network is weak?
Not on its own. The collection screen runs in the phone browser and needs a mobile signal. Where coverage drops, receipts go on the paper sheet and are entered at the branch.
Does it pull credit bureau reports?
No. Bureau checks are done on the bureau’s own portal, and the result is noted on the loan file. Reporting to bureaus stays with your compliance team and its adviser.
Is this the same as your SHG software?
No. The SHG system keeps a self help group’s own savings, loans and books. An institution lending through joint liability groups uses the loan management system.
What happens in the free technology audit?
We look at the software, spreadsheets and WhatsApp groups your business runs on today and write down what works, what slows your team down and what is missing. A demo login, a screen-share or a few screenshots are enough to start. You get a report ordered by priority, and there is no obligation to hire us afterwards.
How much will the software cost?
We don’t publish a price, because it depends on what the system has to do. The audit settles the scope, and the cost goes into a written proposal before any work starts.
Related industries.
- Banks
- Business finance providers
- Chit fund companies
- Company secretaries
- Credit unions
- General insurance agents
- Health insurance agents
- Insurance brokers
- Life insurance advisors
- Loan agents and DSAs
- Loan officers
- Mutual fund distributors
- Non-banking finance companies
- Payment service providers
- Private equity firms
- Stock brokers
- Wealth managers and financial advisers
Part of a wider group.
Tell us how your business runs today.
A few lines on your spreadsheets, software and WhatsApp groups is enough. We reply the same working day.
- No obligation
- A reply within one business day
- Your details stay private
Start with your requirements
Seven short steps that tell us what you need. An engineer reads them before getting in touch.
Share your requirements