Check-off
Employer MOU management, payroll-deduction batches, and reconciliation.
Setting up an employer MOU
MOU terms, effective dates, and why a live MOU is a disbursement requirement gate for check-off products.
Generating a payroll-deduction batch
How the system compiles the month's deductions per employer.
Submitting a batch to an employer's payroll system
Export formats and what to do if an employer's cycle changes.
Reconciling a payroll-deduction batch
Matching what was deducted against what was expected, and handling shortfalls.
What happens when an employer MOU expires
Impact on new disbursements for that employer's staff.
Handling a partial or missed salary deduction
The follow-up workflow for a shortfall.
Related categories
Loan applications, the approval ladder, disbursement, repayment, restructuring, and write-offs.
The DPD-driven dunning ladder, promise-to-pay capture, and sync-exception recovery.
Double-entry GL, chart of accounts, trial balance, period close, and VAT treatment.
Frequently asked questions
What is check-off lending?
Loans repaid via direct salary deduction under an agreement with the borrower's employer.
Why do I need an employer MOU before disbursing?
It's the legal basis for payroll deduction and a disbursement requirement gate in Ustawi.
How often are payroll batches generated?
Typically monthly, aligned to the employer's payroll cycle.
What happens if an employer under-remits a batch?
The shortfall is flagged during reconciliation for follow-up, not silently absorbed.