Everything your lending institution needs to run — in one platform.

Run the full loan lifecycle in one place.

Applications, the branch→committee→board approval ladder, disbursement, repayment scheduling, restructuring, and write-offs.

• ✓Applications with configurable product amount bands
• ✓Multi-tier approval ladder — branch → committee → board, gated by loan amount
• ✓Disbursement requirement gates (collateral perfection, credit-life, coverage-ratio checks)
• ✓Repayment scheduling on reducing-balance or flat terms

Govern the security behind every loan.

Collateral register, revaluation, guarantors, and notice-gated repossession.

• ✓Collateral register linked to the loans and applications it secures
• ✓Formal revaluation workflow
• ✓Guarantor records linked to, but distinct from, the borrower's
• ✓Repossession gated on a served recovery notice, per the applicable framework

Turn payroll deductions into a reconciled workflow.

Employer MOU management, payroll-deduction batches, and reconciliation.

• ✓Employer MOU management — a status and terms record per employer
• ✓Deduction batches generated directly from active loan schedules under each active MOU
• ✓Per-payroll-cycle batch export ready to hand to the employer's payroll
• ✓Remittance reconciliation matching received amounts to expected, per employee

Joint-liability group loans, group and member in one view.

Group loan origination and joint-liability servicing.

• ✓The group is a first-class object — registered, then members added
• ✓Group loan origination on the same engine as individual loans
• ✓The same branch → committee → board approval ladder, gated by amount
• ✓Joint-liability logic — the group is collectively responsible for the loan

Compliance controls that follow the loan.

Affordability assessment, CRB checks, recovery-notice controls, complaints register, and compliance evidence in the workflow.

• ✓Affordability assessment as a workflow step, not a side calculation
• ✓CRB checks recorded against the application they informed
• ✓Recovery-notice controls that gate repossession downstream, per the applicable framework
• ✓Complaints register with prior-notice and extension deadline tracking

AML controls on every customer and transaction.

Sanctions/PEP screening, STR filing, goAML export, alert resolution, and tipping-off controls.

• ✓Customer due diligence and AML risk classification on the customer record
• ✓PEP and sanctions screening with alert adjudication — not a raw match list
• ✓Transaction monitoring against the customer's own historical profile
• ✓AML case management with linked investigation evidence and an audit trail

Loan insurance managed from policy to claim.

Policy issuance, premium posting, and claims lodge/assess/settle.

• ✓Policy issuance tied to the loan or collateral it protects, at origination
• ✓Decreasing sum-insured that tracks the declining loan balance (configured products)
• ✓Premium posted as a GL liability the moment it is collected — never as income
• ✓Lodge → Assess → Settle claims workflow with role-based segregation of duties

Regulatory-ready reports from your live ledger.

PAR aging, BOT 5-band classification, provisioning, portfolio disaggregation, and the filings framework.

• ✓PAR30/PAR90 aging calculated live from loan schedules and payment history
• ✓Loan classification and provisioning derived per the applicable configured framework
• ✓Provisioning can incorporate eligible security per the applicable rules; posts to the GL
• ✓Portfolio disaggregation by sector, region, gender, MSME segment and branch

Turn overdue loans into controlled recovery.

DPD-driven dunning ladder, promise-to-pay capture, action-ladder config, and sync-exception recovery.

• ✓One prioritized, DPD-driven collection queue across the overdue book
• ✓Configurable action ladder and DPD thresholds per tenant and product
• ✓Promise-to-pay with kept / broken outcomes that drive the next action
• ✓Offline field collection with GPS-stamped visits and recoverable sync exceptions

VICOBA cycles modeled the way they actually work.

VICOBA/VSLA cycle management, fund ledger, meetings, share-outs, and member management.

• ✓Cycle management — a group tracked from cycle open to close and share-out
• ✓Shares, social fund contributions and fines recorded separately for each member
• ✓A real fund ledger, not a single running balance
• ✓Meeting register — attendance, savings, repayments and minutes per session

Connect every lead to the loan it becomes.

Lead pipeline, agent management, referrals, and commissions.

• ✓Lead pipeline from capture through qualification to a disbursed loan
• ✓Agent management with per-agent and per-branch performance visibility
• ✓A field mobile app — worklist, routes, GPS-stamped visits, offline capture
• ✓Lead ownership and attribution carried from capture through to disbursement

Connect fiscalization, mobile money and your systems.

EFD/VFD fiscal receipts, mobile money, webhooks, and a connector hub.

• ✓TRA fiscal receipts for fiscalizable transactions — via a direct TRA API or a VFD/fiscal-service provider, configured per institution
• ✓Fiscal receipt generated from, and linked back to, the originating transaction
• ✓Mobile money connectors that auto-match repayments to the borrower and loan
• ✓Payment reconciliation — expected vs received, with unmatched exceptions

Offline-first field collection that never loses a receipt.

Offline-first field agent app: worklist, idempotent sync, digital receipts, EOD reconciliation.

• ✓Offline Cash Collection
• ✓Digital Receipts & Sync
• ✓EOD Cash Reconciliation
• ✓GPS & Visit Verification

Financial control built into every transaction.

Double-entry GL, chart of accounts, trial balance, period close, and VAT treatment mapping.

• ✓Balanced double-entry journal posted for every loan event
• ✓Manual and adjusting journals (accruals, corrections, expenses), subject to approval
• ✓A chart of accounts you configure, with VAT-aware account classification
• ✓Trial balance, income statement, balance sheet and cash flow from posted journals

Control who can access what — and prove it.

RBAC, dual-control/maker-checker, full audit log, and device trust.

• ✓Capability-based RBAC — fail-closed, so unauthorized features are invisible, not just disabled
• ✓Branch and data access scope per user — an account operates only within its assigned scope
• ✓Maker-checker on sensitive grants — a maker cannot approve their own request
• ✓A formal access-request queue, with a reference, an owner and a reason for each grant

Run many institutions from one platform.

For platform operators and white-label resellers: tenant provisioning, an app switchboard, and billing.

• ✓Tenant provisioning as a managed onboarding — new institutions are stood up and configured with the Ustawi team
• ✓A per-tenant app switchboard — each tenant enables any of the available modules; modules are capabilities, not priced line items
• ✓Tenant data isolation, including per-tenant users and roles — each tenant operates within its own boundary, with no cross-tenant user management
• ✓Subscription & billing on three real plans (Starter / Growth / Enterprise) priced by seats and branches plus SMS overage, with a 14-day free trial and no per-loan charge