Products · Lending
The full loan lifecycle, start to finish.
Application, approval, disbursement, repayment, settlement or write-off. Each state has its own permission.
The opportunity
Arrears can sit unnoticed until someone happens to open the file, and portfolio risk is usually only visible once a month, after the fact.
SusuPaa flags arrears automatically every night and reports portfolio at risk the moment you open the dashboard.
Why organisations choose Lending
One product, every loan
Define loan products with their interest method, tenor and rules. Every loan inherits them.
Secured or not, on the record
Savings-secured with a lien on the passbook, unsecured, or backed by external collateral, such as land, a vehicle, equipment or a guarantor. Each is recorded.
PAR, live
Portfolio at risk by ageing bucket, available the moment you ask.
Every state, its own permission
Application, approval, disbursement, repayment, write-off. Each one is recorded, with its own permission.
The lifecycle
From application to write-off, on the books. Nothing about a loan lives in a spreadsheet beside the system.
A loan starts as an application, from staff or from the member in the portal, against a defined product. Approval, disbursement and every repayment are separate acts with their own roles. The amortised schedule is generated at disbursement, and each repayment settles interest and principal by rule.
Flat or reducing balance
Choose per product. Weekly or monthly tenor and repayment.
Amortised schedule
Every instalment is a row with a due date, expected interest and expected principal.
Pre-agreement disclosure
Before a member accepts, they see the total cost of credit. It is part of the record.
Risk and provisioning
See arrears the day they start. PAR buckets and provisioning post straight to your books.
Arrears are flagged automatically as instalments fall due. Portfolio at risk is reported by ageing bucket whenever you open it. Provisioning runs post loan-loss provisions and reserves to their own accounts, so the balance sheet reflects the risk you are carrying.
PAR by ageing bucket
Current, one to thirty days, thirty-one to sixty, sixty-one to ninety, ninety plus.
Provisioning runs
Provision by rule against each bucket. The entries post automatically and feed straight into your reports.
Write-offs, controlled
A write-off is a permissioned act with its own journal, never a deletion.
5
ageing buckets, from current to ninety-plus days, reported on demand.
Collateral and control
What secures the loan is recorded with it.
Savings-secured loans place a lien on the passbook. External collateral, such as land, vehicles, equipment, inventory or a guarantor, is recorded against the loan. Disbursement and write-off can be put behind dual control, so no single person moves money out or makes it disappear.
Liens on passbooks
The secured balance is held while the loan is open.
Collateral register
Type, description and value, tracked from pledged through claimed to liquidated.
Dual control on disbursement
A second approver before money leaves.
See the controls ›
Everything in the box
Rates, risk and collateral, all configurable.
- 01Flat or reducing balance
- Weekly or monthly, per product.
- 02Collateral, tracked
- Liens, land, vehicles, or guarantors.
- 03PAR by ageing bucket
- Available the moment you ask.
- 04Provisioning runs
- Configurable rates, by age bucket.
- 05Automated arrears
- Flagged nightly, no file needed.
- 06Member self-application
- Apply and track from the portal.
Works with
FAQ
Questions people ask about lending
Can members apply for a loan themselves?
Yes, from the member portal, against a product you have made available. Staff still approve.
How is PAR calculated?
From the outstanding balance of loans with instalments overdue, grouped by how many days the oldest overdue instalment has been outstanding.
Do provisions affect the trial balance?
Yes. Provisioning posts to loan-loss provision and reserve accounts, the same accounts that feed your balance sheet.