Is AML/FIU screening and STR filing built in?

Yes, including goAML export and STR reporting-clock tracking — see AML & FIU.

Does the system support maker-checker dual-control for sensitive actions?

Yes — see Staff Admin & Security.

Customers queueing at the teller counters of a microfinance bank banking hall

Solutions · Deposit-taking Microfinance Banks

Ustawi for deposit-taking microfinance banks.

A deposit-taking microfinance bank is the most regulator-scrutinised buyer on this site. BOT expects 5-band classification and provisioning, AML/FIU expects screening and STR filing, and an examiner expects an audit trail and dual-control on sensitive actions. Ustawi brings that depth together — a real double-entry GL, live prudential reporting, AML built into the workflow, and governance an examiner can verify.

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Loan classification: BOT 5-band + provisioning
STR filing: goAML export · clock tracked
Sensitive actions: Maker-checker dual-control

app.ustawi.co.tz

Prudential & provisioning

5-band classification · GL · examiner-ready

PAR30

4.3%

Provision

TSh 14.7M

Trial balance

Balanced

BOT 5-band classification

Current842
Watch46
Substandard22
Doubtful11
Loss7

Each answer is a report from the live system

Why Ustawi fits a deposit-taking MFB

BOT 5-band classification and provisioning net of security
AML/FIU screening, STR filing with goAML export, and STR reporting clocks
A real double-entry GL and controlled period close
Maker-checker dual-control on sensitive actions
A full audit trail for regulator review
EFD/VFD fiscalization and reconciliation for fee income

From the banking hall to the examiner's table

Deposits and loans are served at the counter; every one of them has to stand up when the examiners sit down.

A busy banking hall with customers standing at blue-and-wood service counters with computer terminals, and a long queue down the middle of the room — Customers are served at the counters of a busy banking hall while others queue down the middle.

Four people in business dress talk around a meeting-room table covered with laptops, notebooks and stacks of papers — A review team works through the files around a meeting-room table.

One prudential return, straight from the live books

Follow the classification and provisioning return from the loan book to the examiner — each stage a report, not a document assembled for the visit.

Prudential return · classification & provisioningMoving through Ustawi

Every loan in a BOT band

PAR30 4.3% · each band shows how it was derived

Current · Watch · Substandard · Doubtful · Loss

Tap a stage to stop on it. Hover pauses the animation.

Modules this solution enables

Regulatory Reports & Filings

PAR aging, BOT 5-band classification, provisioning, portfolio disaggregation, and the filings framework.

AML & FIU

Sanctions/PEP screening, STR filing, goAML export, alert resolution, and tipping-off controls.

General Ledger & Finance

Double-entry GL, chart of accounts, trial balance, period close, and VAT treatment mapping.

Staff Admin & Security

RBAC, dual-control/maker-checker, full audit log, and device trust.

Compliance & Regulatory

Affordability assessment, CRB checks, recovery-notice controls, complaints register, and compliance evidence in the workflow.

Integrations & Fiscalization

EFD/VFD fiscal receipts, mobile money, webhooks, and a connector hub.

Built for the regulator-facing evaluation

When an examiner sits down with a deposit-taking MFB, the questions are predictable: show me the classification and how it was derived, show me the AML screening and the filing clock, show me who approved this and that it took two people, show me the audit trail. Ustawi is built so each of those answers is a report generated from the live system, not a document assembled for the visit.

From a return workbook to the live system

Drag the slider: the same classification and provisioning, rebuilt in a workbook versus read from Ustawi.

BOT_return_FINAL_v4.xlsx

Substandard	22.0M	20%	net of security?
Doubtful	11.0M	#REF!	ask credit
Loss	7.0M	7.0M?	collateral?
Trial bal.	≠ GL	??	rerun

Who approved this?

How was this derived?

Prudential view · live system

PAR30

4.3%

Classification

BOT 5-band

Provision

TSh 14.7M · net of security

Trial balance

Balanced

STR filing

goAML export · clock tracked

Approvals

Maker-checker · audit trail

✓ Each answer is a report from the live system

BeforeWith Ustawi

← BeforeWith Ustawi →

Security & data protection overview →

Illustration of a small green bank building with a gold vault door, beside a set of scales and a safe, with a staff member reading a tablet and a customer walking to the entrance

See the full governance and reporting story.

Book a tailored walk-through and we'll show you the workflow end to end.