Loan Origination & Repayment Tracking
Nkabom Microfinance
Loan officers assess, disburse and follow up on repayments from one system with a full audit trail.
- Result
- Arrears visibility: monthly → daily
- Result
- Regulatory return: 1 week → same day
- Result
- Full audit trail on every loan record
- Result
- Disbursement approval time halved
The challenge
Loan files were paper folders. Repayment schedules were calculated in spreadsheets that differed between officers, and arrears were only visible when someone manually reviewed a file. Regulatory reporting meant a week of manual compilation.
What we built
We built an origination workflow with configurable products, so every schedule is computed the same way. Repayments post against the schedule, and an arrears dashboard flags accounts by days overdue.
Every change to a loan record is logged with the user and timestamp, which made the audit trail regulators asked for straightforward.
The outcome
Arrears are visible daily rather than monthly, and the regulatory return is produced from the system instead of assembled by hand.
Project details
- Client
- Nkabom Microfinance
- Sector
- Companies & SMEs
- Delivered
- 2024
- Built with
- Next.jsPostgreSQLPrismaRole-based accessAudit logging
Our regulator asked for an audit trail we simply did not have. It was in place within three weeks, and the annual return now comes out of the system instead of out of a filing cabinet.
Tell us what you need built
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