Loan Origination & Servicing
Manage the complete loan lifecycle in one place.
Take every loan from application through assessment, amount-based approval and gated disbursement to servicing, restructuring and closure — on one record that keeps every decision, payment and timestamp.
- Loan #1956
- Approved: branch → committee
- Instalment
- TSh 433,830 / month
- History
- Every decision, timestamped
One loan. One complete history.
Every loan moves through the same six governed stages inside Ustawi — and each stage, with its decisions and timestamps, stays attached to the loan for its whole life.
Tap a stage to stop on it. Hover pauses the animation.
Start with a clean application
Capture the borrower, product, and terms in one form. Save a draft while documents are gathered, or submit straight to credit assessment.
Assess before you approve
Underwriting brings affordability, credit-bureau, collateral, and guarantor evidence together on one screen — so the recommendation that reaches the approval ladder is supported, not asserted.
Recommend approval. DSR within policy, collateral coverage adequate, CRB clear. Route to the amount-based approval ladder.
Approval that climbs by loan amount
Larger loans require more sign-off. The ladder runs Loan Officer → Branch → Credit Committee → Board, with each decision, who made it, and when, recorded against the loan.
- Loan OfficerApprovedBy J. Mushi · 12 Jan 2026 · Recommended
DSR 31.8%, collateral 167%.
- Branch ManagerApprovedBy R. Kessy · 13 Jan 2026 · Approved
Within branch mandate checks.
- Credit CommitteeIn reviewBy In review · Pending
Amount exceeds branch band — escalated.
- BoardNot required
- 12 Jan · 09:14Submitted for approval by J. Mushi
- 13 Jan · 11:02Approved at branch by R. Kessy
- 13 Jan · 11:03Escalated to Credit Committee (amount band)
Try the routing yourself
Move the amount and watch the approval route and instalment change. Set your own bands to match your policy.
Set your own amount bands
18% p.a. reducing balance. Products, rates and bands are configured per institution.
No release until the requirements are met
Disbursement is gated. Ustawi holds the release until every configured requirement — approval, documents, collateral perfection, credit-life, coverage ratio, and account verification — is satisfied.
- Approval completeCommittee sign-off recorded
- Loan documents signedAgreement & KFS on file
- Collateral perfectedCharge registered
- Credit-life in placePolicy issued at origination
- Coverage ratio met150% ≥ policy minimum
- Disbursement account verifiedBank details confirmed
One loan account, everything in its place
Once disbursed, the loan becomes a servicing record: balances and status at the top, and tabs for the schedule, payments, documents, collateral, insurance, collections, accounting, and audit history.
| # | Due date | Principal | Interest | Instalment | Status |
|---|---|---|---|---|---|
| 1 | 15 Feb 2026 | 253,830 | 180,000 | 433,830 | Paid |
| 2 | 15 Mar 2026 | 257,637 | 176,193 | 433,830 | Paid |
| 3 | 15 Apr 2026 | 261,502 | 172,328 | 433,830 | Paid |
| 4 | 15 May 2026 | 265,425 | 168,405 | 433,830 | Due |
| 5 | 15 Jun 2026 | 269,406 | 164,424 | 433,830 | Upcoming |
| 6 | 15 Jul 2026 | 273,447 | 160,383 | 433,830 | Upcoming |
Amounts in TSh. Reducing-balance schedule shown; flat-rate products are also supported.
Every payment updates the loan record
A payment is never just a receipt. One posting cascades through the loan and the books — allocation, balances, delinquency status, accounting, and portfolio figures all move together.
When a loan changes course
Restructure the loan — without erasing its history
Restructuring is a formal, approved event. The original schedule is preserved for audit, the change is recorded, and a new schedule takes over from the effective date.
- Original schedule preserved
- Restructuring event recorded
- New schedule active
Write-off and closure — recorded events
A loan can move from active through delinquency and, where necessary, to write-off and closure. Each transition is a recorded loan event with an actor and a timestamp — not a silent balance change.
Clear costs, an auditable record
From a spreadsheet to one record
Drag the slider: the same loan, kept in a workbook versus kept in Ustawi.
| 1956 | Amina Trading | 12,000,000 | ?? |
| 1955 | Baraka Hardware | 1,150,000 | paid? |
| 1948 | Neema Tailoring | 3,800,000 | #REF! |
| 1931 | — | — | ask Juma |
A complete, auditable history
When an auditor asks who approved what, and when, the answer is one screen. Every material action on the loan is captured with the actor and the timestamp.
- Application submittedJ. Mushi (Loan Officer)12 Jan 2026 · 09:14
- Credit assessment completedJ. Mushi (Loan Officer)12 Jan 2026 · 15:40
- Approved at branchR. Kessy (Branch Manager)13 Jan 2026 · 11:02
- Approved by Credit CommitteeCredit Committee14 Jan 2026 · 10:20
- Disbursement approvedF. Ndosi (Finance)15 Jan 2026 · 09:05
- Funds disbursedF. Ndosi (Finance)15 Jan 2026 · 12:31
Transparent cost disclosure
At origination, Ustawi generates a Key Facts Statement setting out the effective interest rate (EIR) and annual percentage rate (APR), so the borrower sees the real cost of the loan alongside the schedule.
See one loan's full lifecycle on your own products.
Connected across the Ustawi platform
Loan Origination & Servicing sits at the centre of the lending platform. The apps around it are not integrations to build — they share the same loan record.
Perfection & coverage feed the disbursement gate.
Explore app →Policies issued at origination; premiums as GL liabilities.
Explore app →DPD status drives the dunning ladder.
Explore app →Every loan event posts a double-entry journal.
Explore app →Affordability, CRB, and recovery notices tie in.
Explore app →One lending platform for different lending models
The same governed lifecycle underpins how your institution actually lends — whether to individuals, groups, salaried employees, or member-owned savings circles.
Standard borrower loans on the full origination-to-servicing engine.
For microfinance institutions →Joint-liability groups, approved and serviced as a group.
Group Lending app →Payroll-deduction lending under employer MOUs.
Check-off Salary Lending →Member-owned savings groups with cycles and share-outs.
VICOBA & Savings Groups →Getting live
How we get you live
A structured rollout, from mapping your lending policy to originating your first loans on Ustawi.
- 01Discover
Map your products, amount bands, and approval mandates.
- 02Configure
Set loan products, requirement gates, and the approval ladder.
- 03Migrate
Bring existing loans and balances onto the platform.
- 04Test
Validate schedules, gates, and accounting against known cases.
- 05Train
Bring officers, branch, committee, and finance staff up to speed.
- 06Go live
Originate and service new loans, with support on hand.
See Loan Origination & Servicing in a live demo
Request a DemoFrequently asked questions
Yes. The ladder runs Loan Officer → Branch → Credit Committee → Board, and which tiers a given loan must pass is gated by configurable product amount bands — your institution sets its own thresholds.