I-lend's System has a simple and clear user interface, with best-practice workflows taking you through all core processes, and relevant data always at your fingertips. The IFC recently described it as “so user friendly that loan officers are not required to be proficient in IT. The system has a simple graphic user interface and features a logical distribution of functions, so each user can easily access and manipulate the information they require.”
System works with both Individual and Group Client methodologies. If a Group Client graduates to become an Individual Client, it is easy to change the client’s status. All client and group information is easily accessible, searchable and editable, while the workflows for adding new clients and groups are based upon microfinance best practices. The system enables the capture of personal information, unique identifiers, next of kin details, business information and much more. You can upload scanned photos or documents to a client’s account, and of course add notes to a client for anything else you would like to remember.
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System offers full and flexible loan and savings modules. You have the freedom to extensively customise products, tweaking features such as the loan term, repayment frequency, interest rate, interest calculation method, grace periods, charges and more. All products are fully integrated with accounting, but you can easily set up specific accounting rules for different products if required. The processes around disbursing loans or activating savings follow best practice microfinance processes, requiring maker- checker principals at all times, while remaining intuitive and easy to use. You can capture collateral items linked to a loan, and add loan guarantors.
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The system comes with a fully configurable chart of accounts. It’s easy to add new GLs and link them to specific products, charges, or branches. While all the portfolio bookings are automated (such as when a loan is disbursed or a repayment is made), you can also enter manual journal entries when you need to make a correction, or to manage your non-portfolio accounts. In addition, the I-lend System comes with a full set of financial reports, including your Balance Sheet, Cashflow Report, Daily Trial Balance and Income Statement.
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The system provides high quality reports , providing information on the portfolio, client numbers, savings accounts and portfolio quality at an institution level, branch level, loan officer level, right down to information on specific groups and clients
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The app integrates seamlessly with the I-lend System, digitalising the core processes carried out by field officers. Using the app improves the efficiency of operations, reduces loan officer dependency on branches, and ensures members of the branch & management teams have more information in real time. The app can be used in both online and offline mode, enabling loan officers to work in remote areas with limited connectivity (making it easier to reach the unbanked in rural areas). The app currently enables loan officers to carry out tasks including client registrations, group registrations, business visits, loan applications and view reports
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