Generating a regulatory filing
A regulatory filing is where the gap between a lender's books and its submission usually opens up — someone exports balances, ages them, classifies, provisions, and hopes the arithmetic holds. Ustawi's filings framework closes that gap: it compiles the figures a filing requires straight from the ledger into the export format needed, turning a manual spreadsheet exercise into a generate-and-review step.
Generate, then review
The framework assembles the filing from the live portfolio — PAR aging, the BOT 5-band classification and provisioning net of security are already derived from the loan ledger, so the filing is a view of the books rather than a parallel reconstruction of them. Your job shifts from building the numbers to reviewing them before they are submitted.
- 1Select the filing and periodChoose the return you need and the reporting period. The framework pulls the figures as they stand for that period from the ledger.
- 2Generate the figuresPAR, classification and provisioning are compiled automatically into the structure the filing requires — no manual ageing or re-keying.
- 3Review before submissionCheck the compiled figures against your own expectations. Because every number traces back to a loan, an unexpected value can be drilled to its source rather than guessed at.
- 4Export in the required formatThe framework produces the export the filing needs, so the submission carries the same figures your books hold.
The filings framework is built around Bank of Tanzania reporting, and the classification and provisioning that feed it follow GN No. 679 of 2019, Reg. 45, for non-deposit-taking microfinance service providers. Deposit-taking microfinance banks (GN 287 of 2014) and SACCOS (GN 675 of 2019) report on different schedules — confirm the exact requirements against the current gazette before submission.
Why a generated filing is more defensible
A filing compiled from the ledger is reproducible and auditable: an examiner can trace any figure in the return back to the underlying loans. A hand-built spreadsheet cannot offer that, which is precisely where audit findings tend to arise.