Product
One platform, the entire loan lifecycle.
- Loan lifecycle
- 6 stages, application to exit
- General ledger
- Real double-entry ledger
- Field operations
- Offline-first mobile collections
Explore the platform by category
Switch between Lending & Credit, Risk & Compliance, Operations & Growth, and Platform to preview the apps in each — with a KPI row and chart.
One loan, across the whole platform
Follow Loan #1956 for Amina Trading Co. as it moves through the apps — every step lands on the same record.
Tap a stage to stop on it. Hover pauses the animation.
See each app in depth
Application to closure on one record
Explore the app →
Affordability, CRB, disclosure, complaints
Explore the app →
Every loan event as a balanced journal
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PAR, classification and provisioning
Explore the app →How the platform fits together
One core spine — every app reads and writes through it.
The loan lifecycle, step by step
Affordability assessment and CRB check at intake.
Gated by product amount bands — branch officer → committee → board.
Requirement gates: collateral perfection and credit-life coverage ratio.
Repayment scheduling and formal restructuring.
DPD-driven dunning ladder with promise-to-pay capture.
Write-off, or closure with a Key Facts Statement (EIR/APR disclosure) issued at origination.
Compliance by design
Built into the workflow, not a report you run afterward.
Finance and control
A real double-entry general ledger, not a summary layer bolted on top. Disbursements and repayments book straight to accounts, so your trial balance and portfolio reports read from one source of truth.
Offline-first, for agents in the field
Worklist, idempotent offline cash-collection sync, digital receipts, EOD reconciliation, GPS/PTP capture, and device enrolment/trust.
Explore the mobile app →Built for platform operators too
Running Ustawi white-label across multiple lender tenants: provisioning, a per-tenant app switchboard, and billing plans — all from one operator account.
Multi-tenant Platform & Billing →Who uses Ustawi
Because you need BOT-aligned reporting and a full loan lifecycle out of the box.
Because member savings, group governance, and regulatory reporting live in one system.
Because cycle management, fund ledgers, and share-outs need their own dedicated app, not a lending-only shim.
Because fast origination and collections need to scale without sacrificing compliance.
Because payroll-deduction batches and employer MOUs need first-class support, not a workaround.
Because GL, provisioning, and prudential reporting need bank-grade rigor.
See the whole platform in a live walkthrough
Frequently asked questions
This page shows how apps connect as one system; each app page goes deep on one app's capability.