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Microfinance Management System

Comprehensive microfinance management with loan management, borrower tracking, credit assessments, collections, collateral management, and branch operations—all in one integrated platform.

Streamline your microfinance operations with our complete ERP solution designed specifically for microfinance institutions. Manage everything from loan applications to repayments, credit assessments to collections.

Secure Platform
24/7 Support
Cloud-Based

Comprehensive Features

Everything You Need to Manage Your Microfinance Institution

Our Microfinance Management System provides all the tools and features you need to streamline operations, manage loans effectively, and enhance efficiency across your entire microfinance organization.

Loan Management
Complete loan lifecycle management from application to disbursement, repayment tracking, and loan closure with automated calculations and schedules.
Borrower Management
Comprehensive borrower registration, profile management, credit history tracking, and relationship management across all branches.
Credit Assessment
Automated credit scoring, risk assessment, debt-to-income ratio calculations, and comprehensive borrower evaluation tools.
Collections & Recovery
Automated collection workflows, overdue tracking, payment reminders, and comprehensive collection management with reporting.
Savings & Deposit Accounts
Manage regular savings, fixed deposits, recurring deposits, and compulsory savings with automated interest calculations and account statements.
Group Lending
Manage borrower groups, group members, group loans, and group savings with comprehensive tracking and reporting.
Collateral & Guarantors
Track collateral assets, manage guarantors, monitor collateral valuations, and handle collateral releases with complete documentation.

Savings & Deposit Accounts

Complete savings and deposit account management system. Manage regular savings, fixed deposits, recurring deposits, compulsory savings linked to loans, and voluntary savings accounts. Track deposits, withdrawals, interest calculations, account balances, and generate comprehensive account statements. Support for multiple savings products with configurable interest rates and terms.

  • Multiple account types: regular, fixed deposit, recurring deposit, compulsory, and voluntary savings
  • Automated interest calculation and accrual with configurable payment schedules
  • Complete transaction history tracking and account statement generation
  • Account opening, closing, and balance management with minimum balance requirements

Group Lending & Management

Comprehensive group lending system for managing borrower groups, group members, and group-based loans. Create and manage groups, add or remove members, track group savings contributions, manage group loan applications and disbursements, and monitor group performance. Perfect for community-based microfinance operations.

  • Group creation, member management, and role assignment
  • Group loan applications, approval workflows, and disbursement tracking
  • Group savings contribution tracking and management
  • Group performance monitoring and reporting

Accounting & Financial Integration

Integrated accounting system for complete financial management. Create accounting entries for loan disbursements, repayments, interest, fees, provisions, and write-offs. Post and reverse entries, maintain complete audit trails, and generate comprehensive financial reports. Seamless integration with loan and savings operations ensures accurate financial records.

  • Automated accounting entries for all loan and savings transactions
  • Entry posting, reversal, and complete audit trail management
  • Financial reporting with income, expenses, and net income calculations
  • Debit and credit account management with transaction tracking

Analytics & Reporting

Comprehensive microfinance analytics dashboard with real-time insights into all operations. Track portfolio performance, PAR (Portfolio at Risk) metrics, collection rates, financial performance, loan trends, savings growth, and branch performance. Generate detailed reports including portfolio reports, PAR reports, collection reports, and financial reports for informed decision-making.

  • Real-time analytics dashboard with portfolio, PAR, and collection metrics
  • Portfolio reports, PAR reports (30, 60, 90 days), and collection reports
  • Financial reports with income, expenses, and net income analysis
  • Date-range filtering, branch filtering, and export capabilities
Microfinance Advanced Features

Advanced Capabilities

Specialized Microfinance Features

Beyond basic loan management, our platform offers specialized features designed specifically for microfinance institutions.

Loan Rescheduling & Refinancing
Manage loan rescheduling requests, refinancing applications, loan top-ups, and loan modifications with approval workflows.
Loan Provisions & Write-offs
Calculate and manage loan provisions based on days overdue, process loan write-offs with approval workflows, and track bad debt.
Digital Payments & KYC
Process digital payments via mobile money and payment gateways, manage KYC document verification, and maintain compliance records.
Insurance & Guarantors
Manage insurance policies linked to loans, track guarantors and their obligations, and process insurance claims.

Automated Workflows & Notifications

Automated notification system for sending SMS, email, push notifications, and WhatsApp messages to borrowers. Schedule payment reminders, overdue alerts, loan approval notifications, and other important communications. Automated workflows streamline loan processing, collections, and account management tasks.

  • Automated payment reminders and overdue loan alerts
  • Multi-channel messaging: SMS, email, push notifications, and WhatsApp
  • Scheduled notifications and bulk messaging capabilities
  • Automated loan approval and disbursement workflows
  • Document management with secure file storage and download

Security & Compliance

Growth ERP ensures your microfinance institution meets the highest standards of data security and regulatory compliance. Encrypted data storage, role-based access controls, comprehensive audit logs, and KYC document management protect borrower information and ensure regulatory compliance.

  • Compliant data handling and secure storage
  • End-to-end encryption for sensitive financial data
  • Role-based access controls and permissions
  • Complete audit trails and activity logging

Integration & Scalability

Growth ERP seamlessly integrates with existing systems and scales with your microfinance institution's growth. Connect with payment gateways, mobile money providers, credit bureaus, and third-party applications. Cloud-based architecture ensures high availability and automatic updates.

  • Payment gateway integrations (Paystack, PayPal, Stripe, mobile money)
  • Credit bureau and third-party service integrations
  • Cloud-based infrastructure with automatic scaling
  • Regular updates and new feature releases

Client Interaction & Communication

Comprehensive client interaction tracking system for managing all borrower communications. Record calls, visits, meetings, complaints, and feedback. Track interaction outcomes, schedule follow-ups, and maintain complete communication history. Improve customer service and relationship management.

  • Track all client interactions: calls, visits, meetings, complaints, feedback
  • Interaction outcome tracking and follow-up scheduling
  • Complete communication history and notes management
  • Duration tracking and interaction analytics

Why Choose Us

Built for Microfinance Excellence

Experience the power of integrated microfinance management designed by financial services professionals.

Integrated Accounting

Automatic accounting entries for all transactions, financial reporting, and seamless integration with loan and savings operations for complete financial management.

Secure & Compliant

Encrypted data storage, secure access controls, KYC document management, and comprehensive audit logs to protect borrower information and ensure regulatory compliance.

Automated Workflows

Automated payment reminders, loan approval workflows, collection processes, notification systems, and report generation to save time and reduce errors.

Pricing

Simple, Transparent Pricing

Choose the plan that's right for your microfinance institution

Most Popular

Microfinance Management - Basic

Perfect for small organizations getting started. Includes core features and essential tools to manage your operations efficiently.

$149.00 /month
$1,490.00 /year

Save $298.00 (17%)

User Limit: Up to 10 Users
10 GB Storage
  • Core module access
  • Basic reporting
  • Email support
  • Mobile responsive
  • Data export
  • Basic integrations
  • Borrower management (up to 500 borrowers)
  • Loan product management
  • Loan application processing
  • Basic credit assessment
  • Loan disbursement tracking
  • Basic repayment tracking
  • Branch management (up to 3 branches)
Get Started

Microfinance Management - Professional

Ideal for growing organizations. Includes advanced features, priority support, and higher limits to scale your operations.

$372.50 /month
$3,725.00 /year

Save $745.00 (17%)

User Limit: Up to 50 Users
100 GB Storage
  • All Basic features
  • Advanced reporting & analytics
  • Priority email support
  • API access
  • Advanced integrations
  • Custom reports
  • Bulk operations
  • Advanced security features
  • Borrower management (unlimited)
  • Advanced loan product management
  • Automated loan application workflow
  • Advanced credit assessment & scoring
  • Loan portfolio management
  • Advanced repayment scheduling
  • Collateral management
  • Collection management
  • Branch management (unlimited)
  • Advanced reporting & analytics
  • Risk management tools
Get Started

Microfinance Management - Enterprise

Complete solution for large organizations. Includes all features, unlimited usage, dedicated support, and custom integrations.

$745.00 /month
$7,450.00 /year

Save $1,490.00 (17%)

User Limit: Unlimited Users
  • All Professional features
  • Unlimited everything
  • Dedicated account manager
  • 24/7 priority support
  • Custom integrations
  • White-label options
  • Advanced security & compliance
  • Custom training
  • SLA guarantee
  • All Professional features
  • Unlimited users & storage
  • Custom integrations
  • Dedicated support
  • Custom training
  • SLA guarantee
  • White-label options
  • Advanced API access
Get Started

Ready to Transform Your Microfinance Operations?

Join microfinance institutions who trust Growth ERP to manage their operations efficiently.

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