Microfinance Management System

Customizable. Reliable. Scalable.

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Loan Origination &
Decisioning system

Automate your loan application process across multiple channels to make informed decisions about issuing or disapproving the loan at the initial stage itself.

CRM

It provides a central place where businesses can store customer and prospect data, track customer interactions, and share this information with colleagues. It allows businesses to manage relationships with customers, helping the business to grow.

Credit Risk Management

Credit risk management is the practice of mitigating losses by understanding the adequacy of a bank's capital and loan loss reserves at any given time – a process that has long been a challenge for financial institutions.

Bureau Integration

AML, Fraud Detection, and Credit Bureau Integration – Regulations are always changing, and demand a high understanding of a financial institution’s customers and prospects.

Deviations Management

Deviation Management is about capturing, analyzing and managing data and improvement actions related to process deviations. Process deviations can be about operations, HSE, and quality

Loan Management
System

Enhance all your procedures to manage multiple stages of a loan cycle after issuing a loan, resulting in higher productivity, lower overhead costs, and swift processes.

Interest Method Management

The effective interest method is a technique for calculating the actual interest rate in a period based on the amount of a financial instrument's

Product Management

Product management is the role and function within an organization that is responsible for a setting up loan product's for overall success

Roles & Login Restrictions

A permission is the right to access one or more system objects. A role is a group of permissions. Roles can be assigned to any user or user group, and a user or user group can have more than one role. Unlike hierarchical users, a role does not contain another role.

Workflow Engine

A workflow engine manages and monitors the state of activities in a workflow, such as the processing and approval of a loan application form, and determines which new activity to transition to according to defined processes (workflows)

Debt Collection
System

Minimise risk during loan collection and debt recovery by identifying non-performing assets or defaulters, intimating customers on EMI payments, tracking on-ground collections team, and quick reporting.

Cashless Collections

In cashless transactions, payments are made or accepted without the use of hard cash. This includes payments made via credit/debit cards, cheques, Mpesa, Mobile Money, DD, NEFT, RTGS or any other form of online payment that removes the need for cash.

Automated SMS Reminders

SMS reminders are reminder messages sent to a client or customer using SMS as the communication channel. They are used by businesses to ensure that their customers don't forget their existing loans or ones that they need to make payments in the near future.

Instant Report Generation

Reports generation is the process of using a tool for creating reports primarily for business users. To generate a report, you need to create a report definition, including what data to retrieve, where to get it, and how to display it.

Easy Work Delegation

Delegation is the assignment of authority to another person (normally from a manager to a subordinate) to carry out specific activities.  The process involves managers deciding which work they should do themselves and which work should be delegated to others for completion.

Lending Analytics &
Reporting System

Instantly generate accurate data-driven reports to get insights on the key performing and non-performing areas of your business.

End to End Business Reporting

End-to-end reporting is a summary of detailed data for each interaction from the time if first comes in to the contact center to when the contact terminates. The reports will show detailed data for each interaction as each application and each agent processes it

Quick Data Output

Data output is the process and method by which data can be studied under different circumstances.

Early Warning System

Early warning systems can optimally replace legacy lending procedures by keeping biased lending decisions at bay. Using advanced technologies like Artificial Intelligence and Machine Learning, they can detect red flags, allowing lending institutions to gain control over their decision making. Relying on multiple sources of data, early warning systems measure and monitor risks efficiently.

Behavioral Analysis

The use of the advances in data analysis and cognitive computing to further understanding of potential risk factors,

Benefits of
Microfinance Management Software

When it comes to managing your Microfinance and other businesses, one needs to choose tools that ease the work load, are accurate and accessible.

Pay as you grow

sakoly grows with you. Pay as your operations scale up.

Highly Customizable

sakoly is a highly Customizable loan management software to fulfill your exact business requirements.

Instant Report Generation

Generate powerful business and financial reports to make informed and timely decisions.

High Data security and control

Your data are completely secure for you to access and retrieve it whenever required.

Integrated Accounting Engine

Get all your Accounts done in just a tap with our in-built customizable accounting & reporting system.

Domain Specific

Get a loan management software that is tailor-made to fulfill the needs of your area of business.

Making Banking Easier And less Corporate

LOANS
SAVINS
SHARES
HRM & PAYROLL
LOANS
REPORTS
ACCOUNTING
SAVINS
CLIENT REGISTRATION
AND MUCH MORE

A Platform for Innovation

Stay innovative and launch new products into new markets in the cloud or transform your current operations to serve your customers, your staff and your shareholders better.

READY INBUILT MODULES
LOANS
SAVINGS
SHARES
ASSETS
HRM & PAYROLL
PAYMENT GATEWAYS
income & expenses
and much more