For microfinance institutions
Your loan book, your susu book and your ledger — one system.
PAR and provisioning live rather than reconstructed. Dual control on every action that moves money. Reporting that comes out of the system, not out of a spreadsheet.
₵1,284,500GROSS PORTFOLIO · ILLUSTRATIVE
6.4%PAR > 30 DAYS · LIVE, NOT MONTH-END
37LOANS IN ARREARS · FLAGGED NIGHTLY
New to the vocabulary? PAR, provisioning and more, explained.
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 maintained by hand, outside the ledger, 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 — and shouldn’t.None of that is a staffing problem — it’s a controls problem. See how dual control and an audit log close it.
The Custom plan
What the Custom plan runs on.
01
PAR by ageing bucket, on demand
The headline health number of your loan book, live — not a month-end reconstruction.02
Provisioning that posts to the ledger
Configurable rates, provisioning runs, journal entries behind every figure.03
Agent cash reconciliation
End-of-day submission, variance routed to a supervisor, commission statements alongside.04
Maker-checker dual control
Payouts, reversals, forfeits and overpayment resolutions require a second approver.05
A trial balance that ties out
Double-entry on every plan, journal drill-down from any report figure.06
Your brand, your branches
White-label with your own domain, unlimited branches, Ghana Card verification at collection time.Bring your own loan book to the demo.
We’ll ask your size, show only the modules that fit, and you’ll leave knowing what migration involves. Custom pricing is quoted, not listed — branches, staff and volume change the shape of the work.