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www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Micro Financer Standard Edition
From
Elitser IT Solutions India Pvt. Ltd..
#303, Aditya Trade CenterAmeerpet, Hyderabad – 38.
91-40-23753232, 23751828Email: [email protected]
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Member Information
Configuration
Loans
Savings
Financial Accounting Reports
MIS Reports
Post Dated Cheques (PDC)
Security
Processes
Financial Budget
Fund Planning
Installation
Search
Help
Consolidation Module
PDA and Other Devices
Loan Processing
Data Porting
Micro Financer Overview
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
CLIENT INFORMATION
INVESTIGATIONS LOAN APPRAISAL
LOAN APPROVAL
LOAN DISBURSEMENT
REPAYMENTS
LOAN LEDGERS
LOAN HISTORY
REPORTSFINANCIAL REPORTSOPERATING REPORTS
SUPERVISORY REPORTSMANAGEMENT REPORTS
EXTERNAL REPORTS
Overview of Micro Financer Standard Edition
LOAN CLOSURE
GENERAL RECEIPTS
GENERAL PAYMENTS
GL CONFIGURATION
RODUCTCONFIG.
SECURITY
BUSINESS RULES
RECTIFICATION ENTRIES
INTEREST CALCULATIONS
DEPOSITS
WITHDRAWALS
LEDGERS
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Member Information
Detailed Member information is captured through Member Information screens. Member provides his personal details at the time of registration with NGO. Assets, Investigation details will be obtained and entered by Field Officers during their personal visit to member house when the member applies a loan.
Investigation Details:• Socio Economic Indicators• House Hold Members• Housing Details• Credit History• Savings History• Background Checking• Court Case Details• Identification Details• Employment Details• Proof of Payment
Assets:• Personal Assets• Real Assets• Business Assets• Poultry/Live Stock
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Loan Processing module takes care of capturing details of Cash flow, Credit Scoring of a loan applicant and gives maximum loan amount eligible as an input to the loan recommendation process. The following steps summarizes the Loan Processing Module activity.
Loan Processing:1. Cash Flow2. Credit Scoring3. Loan Recommendation
Loan Processing
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Cash Flow Analysis
Cash flow : To assess the borrower’s
capacity to repay and determine the
loan amount based on the borrower’s
Household & Business income/
expenses.
Cash Flow Adjustment Factor(CFAF):
Is a percentage over borrower’s net
income to arrive at repayment capacity.
Debt Capacity Analysis: Repayment
capacity of the borrower as per
Daily/Weekly/Monthly cash flow.
Maximum Loan Amount: Borrower’s
repayment capacity times No of
Installments.
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Credit Scoring
The Credit-Scoring measures the Maximum Loan
Amount and relative risk of each borrower based on Cash
Flow Information and various criteria like Borrowers
Profile, Business Profile, Assets and Liabilities, Credit
History and Savings History
Points: Each profile is allotted some points(User
Configurable).
Weightage : Each profile is allotted some Weightage
(User Configurable).
Weighted Score: Points X Weightage
Cash Flow Adjustment Factor(CFAF): Is a user
configurable percentage based on the total points scored
by the borrower.
Maximum Loan Amount: Monthly cash flow from Cash
Flow Data x Cash Flow Adjustment Factor(CFAF) and
multiplies it by number of installments to arrive at
maximum loan amount.
Risk Classification: Risk classification is arrived based
on the total points scored and the weighted score.
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Loan Recommendation
Cash Flow Analysis: The Cash Flow
Analysis tab information is automatically
filled up from the data entered in Cash Flow
Analysis.
Appraisal of Collaterals : The information
under the ‘Appraisal of Collaterals’ tab
shows assets which are flagged as collateral.
Loan Assessment : Data picked up from
credit scoring, personal details and old loan
accounts history of the borrower.
Loan Approval: Loan Sanction details
including the amount and terms of loans and
the purpose.
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Loans module handles total life cycle of Micro Credit activity. Starting from products to the repayments and closure of loans. The following steps summarizes the Loan Module activity.
Micro Credit Activity:1. Loan Products Definition2. Service Charges Definition3. Loan Account Creation4. Loan Disbursement5. Loan Repayment6. Re-Scheduling Loan7. Pre-Closure
Loan Module
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Loan Products
Loan Product Creation Loan Repayment Schedule
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Savings module handles total life cycle of Savings activity. Starting from products to the deposits and withdrawal of savings. The following steps summarizes the Savings Module activity.
Savings Activity:
• Savings Products Definition• Service Charges Definition• Savings Account Creation• Deposits• Withdrawals• Interest Calculations/Postings• Ledgers
Savings Module
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Savings
Deposits Withdrawals
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
FA- Reports
1. Trial Balance 2. Trial Balance T- Format3. Trial Balance Between Dates4. Balance Sheet5. Income & Expenditure6. Day Books7. General Ledger8. Receipts & Payments9. Receipts Scroll10. Payments Scroll11. Voucher Printing
Note: All above reports can be generated As on Date/Between Dates/Comparative
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
MIS Reports
1. Member Personal Details
2. Means Test
3. Member Cash Flow
4. Member Credit Scoring
5. Loan Recommendation
6. Loan Repayment Schedule
7. Loan Ledger
8. Savings Ledger
9. Demand Note
10. Collection Due Report
11. Performance Ratio
12. Drop Out List
13. Product Performance Report
MIS - Operating Reports
1. Summary of Loan Releases
2. Active Clients Served Per Area Coverage
3. Over All MF Program Status Report (PSR)
4. Schedule of Loan portfolio and Accommodations
MIS - Funder Reports
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
MIS-Management Reports
1. Listing of Loans
2. Savings Listing
3. Delinquency Report
4. Portfolio At Risk(PAR)
5. PAR by Ageing and Business Activity
6. PAR by Loan Amount and Business Activity
7. Loan Profile by Gender
8. Interest Collected by MF Unit
9. Performance by AO (Field Officer)
10. Demand Statement
11. Ageing by Member
12. Savings Defaulters Statement
13. Schedule of Micro Finance Loans
14. Client Status Report
15. Monthly Report
16. Unit Monthly Summary
17. AO Monthly Summary
18. Daily Collection Sheet
19. Monthly Beginning Balance Savings
& Loans Per Group
20. Monthly Beginning Balance Savings &
Loans Per AO
21. Pass Book
22. Monthly Report on Loans
23. Monthly Report on Savings
24. Loan Disbursement Master roll
25. Loan Application
26. Cash Book Payment Side
27. Cash Book Receipts Side
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
This module helps the organization to plan their funds flow based on certain parameters. Fund planning can be planned either Group Wise or Unit Wise.
Fund Planning:1. Projections2. Projections Vs Actuals3. Surplus/Deficit
Fund Planning
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Other FeaturesSecurity – Role & Rights ManagerSecurity – User Manager
Configuration:
• GL Configuration
• Parameters Configuration
• Audit Trial Configuration
• User Defined Label Captions
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Integration of Other Devices
DDEEVVIICCEE
IINNTTEERRFFAACCEE
Off Line Mode
Member Details
Loan/Savings Acc Details
Demand Information
MFSEMFSEApplicationApplication
Synchronize with Device
Upload Data to Device
Extract Data from Device
Display Demand Details
Record Collections
Issue of Receipts
Synchronize with Server
Upload Data to Server
Hand HeldHand HeldDevicesDevices
Online M
ode
Onl
ine
Mod
e
Off Line Mode
Request Demand Info. From Sever(If Online)
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Export DataConfiguration
Daily Transactions
Periodic Reporting
Export Data to HO Folders
(Bra
nch
Off
ice)
Data Transfer(CD/Floppy/Internet)
Import Data from Branch Folders
Consolidated Reports Generation
Import Data Configuration
(Hea
d O
ffic
e)Repetitive Activity
One Time Activity
Export/Import Overview
www.elitser.com Elitser IT Solutions India Pvt. Ltd.
Data Porting
For further details [email protected]