For microfinance institutions
Your loan book, your susu book and your ledger, all in one system.
Portfolio at risk and provisioning update as you post. Board reporting comes out of the same books.
What is going wrong today
Six ways the numbers get away from you.
Agent cash doesn’t tie out
A collector banks ₵4,200, the book says ₵4,650, and nobody can say where the gap opened or when it started.
PAR is seen too late
A loan sits overdue for weeks because nothing flags it until someone opens the file.
Provisioning lives in a spreadsheet
Ageing buckets and rates are maintained by hand, outside the system, and reconciled back in afterwards.
Nothing stops a single member of staff
One person can record a payout, reverse a deposit and forfeit a balance with nobody else in the loop.
Board reporting is assembled by hand
From sources never designed to agree with each other.
Every figure needs a defence
An accountant who cannot trace a number will not accept it.
More staff will not fix this. It’s a controls problem. See how dual control and an audit log close it.
Why SusuPaa
One system for risk, control and reporting. PAR, provisioning and dual control run inside the platform, every day.
Risk is live
Arrears are flagged as instalments fall due. Portfolio at risk is reported by ageing bucket on demand.
Controls that hold
Disbursement, write-off and withdrawal can each require a second approver. No single action clears itself.
Returns from the books
Accounts map to the GCSCA monthly-return lines and Bank of Ghana categories. Supervisory reporting is assembled straight from the ledger.
The Custom plan
What the Custom plan runs on.
- 01PAR by ageing bucket, on demand
- The headline health number of your loan book, updated the moment a loan moves.
- 02Provisioning that posts to the ledger
- Configurable ageing bands and rates, with provisioning runs you can trace.
- 03Agent cash reconciliation
- End-of-day submission, variance routed to a supervisor, commission statements alongside.
- 04Maker-checker dual control
- Withdrawals require a second approver. You see who approved it, for how much, and when.
- 05SusuPal understands your numbers
- Ask what’s overdue, or what a ratio was last month. The answer comes straight from your own portfolio.
- 06Your brand, your branches
- White-label with your own domain, unlimited branches, Ghana Card verification at collection time.
Products
What this audience runs on.
Lending
Application, approval, disbursement, repayment, settlement or write-off. Each state has its own permission.
Accounting
A double-entry ledger under every plan, a configurable chart of accounts, and a trial balance that ties out — the artefact an accountant cannot be fooled by.
Passbooks
Cycles, fee modes and page tracking — with an approval flow on every withdrawal, because it’s other people’s money.
SusuPal
A read-only AI assistant for your SusuPaa account. Every answer comes from your own books, members, loans and reports. Never from memory, never invented.