Features
Everything a lender needs, nothing bolted on
Loans, collections, deposits, accounting and reporting in one system, built around how microfinance actually works in Tanzania.
Loan management
Model your products once and let MicroFin handle the arithmetic and the paperwork.
Loan products
Interest method, rate, tenure, repayment frequency, limits and eligibility criteria per product.
Four-step approvals
New → Checked → Approved → Authorized, with notifications and a status history for every loan.
Repayment schedules
Schedules generated at disbursement; view schedule vs actual at any time.
Fees & penalties
Configurable fees and late-payment penalties calculated automatically.
Guarantors, collateral & documents
Capture guarantors with verification status, collateral with photos, and supporting documents on the loan file.
Loan calculator
Show borrowers their instalments before they apply.
Repayments & collections
Know exactly who owes what, and act on it.
Repayment posting
Record repayments by cash, bank or mobile money; they are allocated against the schedule and posted to the ledger.
Arrears & delinquency
Aging and arrears reports to focus your field officers on the right customers.
Restructuring Growth+
Restructure a loan with new terms while keeping its full history.
Write-offs & recoveries Growth+
Write off bad loans and track later recoveries against them.
Customers & groups
One record per customer across loans and deposits.
Customer profiles
Personal details, location down to region, district, ward and street, photos and full history.
Group lending Growth+
Solidarity groups with member management for group loans.
Excel imports Growth+
Bring in customers, groups and opening loan balances from spreadsheets.
Deposits & savings
For SACCOs and VICOBA that hold member savings.
Growth plan and above
Deposit types
Define savings products for your members.
Deposit accounts
Open accounts, record deposits and withdrawals, and print statements.
Double-entry accounting
Operations and accounting in the same system, so the books always agree with the portfolio.
Chart of accounts
A ready-made microfinance chart of accounts you can adapt, grouped by account class.
Journals, receipts & payments
Journal vouchers, supplier payments, receipts and bank accounts.
Financial statements
Trial balance, transaction ledger and profit & loss, including P&L analytics on the dashboard.
Reports
The reports management and regulators ask for, exportable to PDF and Excel.
Portfolio summary
Outstanding portfolio by branch, product and officer.
Performance reports Growth+
Product performance, repayment performance and repayment history.
Fee & penalty reports
Income from fees and penalties over any period.
Customer reports
Customer profiles and listings with PDF and Excel export.
Administration & security
Grow from one office to many without losing control.
Multi-branch
Branch-level data with staff assigned to one or more branches.
Roles & permissions Growth+
Built-in roles for managers, loan officers and tellers, plus custom roles with granular permissions.
SMS notifications
Automatic SMS for registrations, disbursements, repayments and reminders through your SMS provider.
Activity log
Who did what, when and from where — for every important action.
Session security
Idle timeout, forced password changes and login throttling.
See it with your own products and numbers
Start a free trial and set up your first loan product in minutes, or book a guided demo with our team.