Recording a promise-to-pay (PTP)
A promise-to-pay (PTP) captures a borrower's commitment to settle their arrears by a specific date. Recording it in Ustawi tells the dunning ladder to give the borrower the window they asked for — rather than continuing to escalate against someone who has already agreed to pay.
What a PTP records
A PTP is a dated commitment: the amount the borrower expects to pay and the date they expect to pay it by. It is tracked against an actual due date, so the system knows precisely when the promise falls due and whether it was kept.
How it affects the dunning cadence
- 1Capture the promiseRecord the borrower's committed amount and date — from the portal, or from a field visit in the mobile app where a PTP can be logged alongside the visit and its GPS location.
- 2The ladder holdsWhile a PTP is live, the escalation cadence is adjusted to respect the agreed window instead of firing the next rung immediately.
- 3The promise is checked on its dateIf the payment arrives, the arrears reduce and the loan's DPD position updates as normal.
- 4A broken promise resumes escalationIf the date passes without payment, the ladder picks up again from where the borrower's DPD now stands.
Recording a promise does not forgive the arrears or reset DPD. It only paces the follow-up. If the borrower does not pay, escalation continues — a broken PTP is itself a signal worth noting on the account.
Where a PTP shows up
Every PTP is written onto the borrower's collections timeline next to the contacts made and the DPD history, so anyone picking up the account can see what was promised, by when, and whether it held.