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Finance Solutions© is a fully integratedsoftware which provides an integration factor of 100% in Client Information,Savings/Deposits, Shares, Loans and General Ledger Accounting modules andminimizes many “islands of data capture points” for improved data reliability,consistency and accuracy.
A perfect management information system software  for Microfinance Banks,Finance Companies, Savings and Loans Institutions, Mortgage Institutions, MACTS/SHG(Self Help Group), Credit Unions, Grameen Banks, Community/Village Banks, ForexBureau de Change  and SACCOSmethodologies.

Finance Solutions©- software has been qualified by the Consultative Group to Assist the Poorest(CGAP), a condition mandatory to the World Bank in the field of Microfinanceand rated as “User Friendly Software”.

Loan Portfolio Management

  • Unlimited number of loan products with direct linkage to General Ledger.
  • Loan Application, Loan Approval, Loan Disbursements, Collateral, Loan Guarantors, Write-Off, Reschedule, Provisions, Interest Capitalization, Penalty Calculation, Loan Commission, Loan Insurance, Loan Application Fee etc.
  • Repayment frequencies: Daily, Weekly, Bi-Weekly, Half-Monthly, Once every 4 Weeks, Monthly, Quarterly, Semi-yearly, Yearly and User-definable.
  • Interest Calculation: Flat Rate, Declining Balance – Discounted, Declining Balance Amortization and Compound Interest.
  • Individual and group/member level Lending.
  • Multi-currency Lending
  • Savings/Shares modules linked to Loan Products
  • Overdraft accounts managements

Savings/Shares/Fixed Deposit Management

  • Configurable unlimited number of products such as Voluntary Savings, Compulsory Savings, Loan Guarantee Savings etc. with direct linkage to General Ledger.
  • Interest calculations: Monthly average running balance or Monthly minimum balance.
  • Easy-to-use teller/Cashier interface with quick mechanisms to access information.
  • End of Period: Ledger Fee, Interest Calculation, Minimum Balance, Transaction Fee and other User-definable Charges
  • Cheque Book Management for demand deposit accounts
  • Block particular amount on customer accounts
  • Passbook Printing

Investment/Treasury Management

  • Configurable unlimited number of products for investment in Treasury Bills, Commercial Papers, Placement with Banks etc, with direct linkage to General Ledger.


  • Support ATM/POS Transactions, e.g Cash Withdrawal, Transfer, Balance Enquiry, Cash Deposit, Mini Account Statement, POS Purchase, POS Cash Advance, etc
  • Has Mindcom ATM/POS Bridge Interface Specifications ISO 8583
  • Can be use by any Switching Network such as Interswitch, E-tranzact, VISA, Master Card, etc

SMS Banking

  • Account Balance Enquiry
  • Account Mini Statement Enquiry
  • Money Transfer from account to account within the same Bank
  • Loan Repayment
  • Loan repayment Reminder
  • Debit and Credit Transaction Alert

Accounting and Foreign Currency Management

  • The chart of accounts is complete, consistent, flexible, and user-definable—with five major categories for Assets, Liabilities, Equity, Income and Expenses.
  • Full support of General Journal and Journal Entries (Income, Expenses and Cash transfer from reserve to Cashier visa-versa)
  • Customizable transaction menus with the unbelievable possibility to create your own Savings/Shares, Income, Expense, Fees/Charges and General Journal Transaction menus (i.e. Compulsory Saving Deposit, Guarantee Savings Withdrawal, Sale of Passbooks, Ledger Fee, Telephone Bills etc.)
  • Standing Order Management
  • Online Above limit Authorisations


  • The user-interface is available in several languages—English, French, Spanish, Russian, Kiswahili (Africa), Luganda (Uganda) and User-definable
  • 1 million clients' database with no significant delay in response time.
  • Integrated scalable ODBC databases, such as Microsoft SQL Server, Oracle with excellent performance capacity, good for an increased number of concurrent users or higher data volumes.
  • Excellent connectivity on Local Area Network (LAN) and Centralized Wide Area Network (WAN)

Ease of Use

  • Windows based application
  • Consistent screens, TOOLBAR, easily identifiable menu options, and logical use of color and icons
  • General platform standards with Keyboard and Mouse access to all functions
  • Excellent HTML help file. Pressing F1 in any Finance Solutions® window

Management Reporting and Data Analysis

  • Over 120 standard reports for Loans, Savings, Shares, Management, Operational, Financial, General and customer reporting.
  • All reports can be printed/previewed by Region,Branch, Client Category, Gender, Geographical Area, Product, Loan Officer, Loan Cycle, Business Sector, Loan Fund, etc.
  • Reports: Trial Balance, Balance Sheet, Profit & Loss, Budget, Ledger Card, Arrears, Ageing, Portfolio at risk, Portfolio Concentration, Savings/Shares Balance & Account Activity Statement  among others.
  • In-built Performance Monitoring Tool (PMT) reports.
  • Exportation capabilities in a variety of file formats including XLS, PDF, DOC, HTML, RTF, MHT, XML, XML SpreadSheet, BMP, JPG, TIF, GIF and PNG.
  • It ability to export data in XML formats makes it compatible with the CBN- e- FASS.
  • Report generator  for user defined report generation.

Services–Implementation, Training and Support

  • Structured classroom-based training on user groups.
  • Multilanguage training delivered in English, and French.
  •  24x7 days technical support by email, phone, fax, FTP, or site.

Technical Capabilities

  • Standard operating system platform of Windows 9x, Windows 2000 Server, Windows 2000.
  • Advanced Server, Windows 2000 Professional, Windows XP and Windows  2003 Server, Windows Small Business Server premium.
  • The system performs well with any number of concurrent users and transaction traffic. Security administration tools are easy to use. Multileveled security for users, based on functions and responsibilities, can be used to restrict screens and menu options per user. It can also define time-out limit. It keeps a full audit trail with time, date, computer, and user stamps for each action taken by a logged user.
  • Backup and recovery utilities for full and incremental backups are built-in and easy to manage.
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