Integration kits

Members pay with M-Pesa and repayments land on the right loan automatically, with the confirmation code as the receipt.

Loan officers capture repayments and deposits with no signal and sync later — never double-posting.

Automatically move a fixed amount from a member’s wallet to their loan or savings on a schedule.

Register members at a branch or in the field with ID documents, next of kin and employment details.

Members check balances, download statements and apply for loans from their phone.

Run joint-liability groups and centers with meeting-based disbursement and collection.

A written summary of the member's history and the loan's risk, ready for the credit committee.

Record guarantors and collateral against each loan and see exposure per guarantor.

Pull a member's credit report during appraisal and submit monthly data to the bureau.

Portfolio at risk, disbursed vs collected and member growth for monthly board meetings.

Bucket loans by days past due and compute the provision with Zung’s built-in provisioning runs.

Flag unusual transactions and run compliance checks across the portfolio.

Remind members before the due date and confirm every payment by SMS.

Members ask for balances and statements in a chat.

Balance, mini-statement and loan repayment for members without smartphones.

Compute and pay year-end dividends on shares and interest on member deposits.

Plan the annual general meeting, record attendance and capture resolutions.

Track members' share purchases, transfers and balances.