microNew

Poor people didn’t create poverty. It’s the system that created the poverty. And, if we want to end poverty, we have to change the system.
— Professor Muhammad Yunus

We promise, by having state-of-the-art “Smart Micro Credit Business Suite”, System;

  • Allows more efficient and effective collection, processing and use of data
  • Opens the door for MFIs to offer new products and better customer service
  • Enables greater outreach
  • Facilitates integration with the rest of the financial sector

 

The enhanced ability of the system to collect, organize and analyze information helps institutions to better understand their customers, their costs, and their options. They can then use this information to:

  • Make better decisions about strategy, objectives and priorities
  • Monitor and test performance
  • Learn from the methodologies and techniques being applied by the institution
  • Make timely adjustments

Smart Micro Credit Business Suite keeps all the records of applicant, groups, loan details, approvals, employee task, accounting vouchers, employee attendance and payroll records etc. The handling and maintenance of all the data is highly user friendly and easily understandable. Some of main advantages for Smart Micro Credit Business Suite are given below;

  • Centralized Application
  • Globally Accessibility
  • Ready Analysis on day to day bases

  • Global Tracking of Clients between Branches
  • Centralized Technical Support as well as End User Support
  • No Installation & Other IT Procedures Required

Smart Micro Credit – a Distinction of Generix Solutions:

Smart Micro Credit Business Suite is a distinguished achievement of Generix Solutions. Following are the points which make “Smart Micro Credit Business Suite” different and more reliable than any other solution:

  • Collaboration with PPAF
  • 8+ Years of Working Experience in field of Micro Credit
  • Implemented MIS/FIS at more then 26 Organization all over the Pakistan
  • Introduce Product line – Smart Micro Credit Business Suite
  • Experienced & Specialized Technical Professional in field of Micro Credit
  • Exposure of Analysis, Training & Implementation
  • Continues Working on New Modules & Reporting

The System works as web based coordination, monitoring, and evaluation platform having various modules like Applicant profile, Approval, Recovery, Employee Attendance and Administration side. Financial, HR and Payroll system is also integrated.

Main modules of the entire system are following:

  • Web based Loaning System – MIS
  • Complete Financial Suite – FIS
  • HR, Payroll & Attendance System
  • Web & Client /Server Based Environment
  • Integrated Solutions
  • System running on all the branches live over internet connected with Head office
  • Highly User Friendly
  • Multi Branch System
  • Flexible System – Users can Customize the features of the system as per Management Requirements

 

 

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    Loaning Module (MIS)

    The objective is to provide a user friendly mechanism for handle all the credit department requirements. Define two levels of approval procedure of each credit transaction. User can create new profile of each applicant with all the details. A fully web based System enables all the offices and branches of an MFI to be controlled centrally and connected remotely via internet.

    Applicant Profile Module

    • Create Applicant Profile and Submit for Loan Approval.
    • Unique Client Database, Old, New NIC, Personnel  & Business Information
    • Group Code and Group Information
    • Product selection and history
    • Loan Installment Plan and details

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    Definition of Branches and Business (Up to 3 branches)

    • Define of basic structure (Area, Branch, District, Village, Business Type, Loan Donors, Loan Phases, Education & Institution)
    • Business  and Sector Definition and details

    Product Definition Module

    • Product Definition Module
    • Product amounts ranges, Interest Ratio, Monthly Installment, Risk Coverage, Loaning Period, Min Max Loan Amount

    Individual Loaning OR Group Loaning

    • Min Max Groups Members
    • Sub Grouping like Center and Groups

    Approval Module

    • Defining of Rules and Rights for each level
    • Internal Head Office Approval
    • External Consultant Approval

    Disbursement Module

    • LDF  Generation
    • Group Disbursement & Single Client Disbursement
    • Disbursement Postings, Un Posting
    • LDF Client Rejection at the time of Disbursement

    Recovery Module

    • Applicant Loan Receiving system
    • Individual & Group Recovery
    • Simple Two Clicks Recovery Solution
    • Loan Installment Plan and History

    Other Module

    • Death Case Handling
    • Portfolio Transfer system
    • Backups & Management Tools

    Write-off Module

    • Write-off of interest or Actual Amount
    • Reschedule of Loan Amount with new dates

    Reporting Module

    • Up to 35 Reports
    • Covering Client, CO, Branch, Area, Management Analysis
    • 5 New or Customized Reports

    Integration

    Interlinking with Financial System

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    Financial Accounting Module

    This is the backbone of the whole system. All the entries made will update the accounts automatically. The main features will include the following:

    • Chart of Accounts (4 level).
    • Accounts Receivable.
    • Accounts Payable.
    • Financial Year Selection & Closing.
    • Periods wise Analysis.
    • Branch wise voucher entries & Tracking
    • Product/Project wise voucher entries & Tracking
    • Donor & Phases wise voucher entries & Tracking
    • Sub Ledger Analysis & budgeting.
    • Type & Monthly Voucher Entries.
    • Journal Voucher & General Ledger.
    • Trial Balance & Audit Trail.
    • General Journal & Day Books.
    • General Ledger.
    • Expense Analysis & Banks Reports.

    Branch Level Chart of Accounts Cost Centers Integreted

    • Budgets estimation period wise and Comparisons.
    • Profit and Loss / Income & Expenditure Accounts
    • Balance Sheet
    • Accounts level wise Extensive Reports.
    • Year Closing Module (Automatically & Manually)
    • 15-20 Total Reports

    Cash/Bank Module This module records all the cash and bank transactions. The following are some main features:

    • Cash/Bank Payments.
    • Supplier Payments.
    • Cash/Bank Receipts.
    • Loan Receipts.

    • Inter-bank or inter account transfers.
    • Cash / Bank Accounts detailed activity.
    • Customer Receipts Slips.
    • Supplier payment slips.

    Web based Financial System

    • Web based Unit, Area wise Accounting system
    • Make Chart of Account on bases of Head office System
    • Payment and Receipt Voucher

    • Unique Voucher Numbering
    • 3-5 Reports required for branch level.

    User Module

    Users can be defined with variable authorities, unique log-ins and password. Users can be restricted in terms of access to reports and record entries. All the transactions can be tracked user wise.

    • User Creation wizard.
    • Login Screen.
    • Change Password.

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    HRM & Payroll System


    Employ Management:

    Employee personal, official and salary details

    • Employee education, experience and reference details
    • Employee photograph and finger print scanning

    Attendance Management:

    • Track time in and time out on bases of shift timings
    • Leave marking according to leave type
    • Tracking of late coming, early going and half absent
    • Daily, weekly, monthly man hours calculations
    • Holidays tracking and easy marking
    • Attendance system integration with barcode , finger print scanner and camera

    Leave Management:

    • Types of leaves definition
    • Leave days definitions and carry forward details
    • Leave assignment by employee and departments

    Allowance & Deduction:

    • Define allowance type i.e house, rent & utilities.
    • Define allowance type i.e Tax
    • Define allowance & deduction amount by employee.

    Advance Management:

    • Employee advance payment and deduction in upcoming salary.
    • Employee loan definition and installment plan against salary.

    Payroll & Salary Module:

    • Define salary structure, salary heads, salary formula, tax and other settings
    • Auto advance and loan installment deduction
    • Just one click to salary sheet and salary slip
    • Post and un-post salary
    • Integration with SBS financial module
    • Auto posting of salary, advance, and deduction details in financial module.

    Training Module:

    • Definition of Training Courses.
    • Allocate each training to particular employee date wise
    • 2 reports to view old training history

    Special Features:

    • Flexible Business logic according to different organization behavior
    • Powerful reporting capabilities with export to MS Excel, MS word and emailing features
    • User Security, Backup and Restore Modules
    • Automated operations help HR Manager to monitor and track employee’s
    • attendance and salaries
    • Automated salary processing allows user to create salary statements and vouchers
    • Customizable rules and policies for Overtimes, Holidays and Attendance.

    General Settings:

    Smart HR and Payroll is easy to use, windows based, work in client / server environment and simple modular based software. Some of the features are following:

    • Department and shift definitions
    • Shifts on two half bases and timings
    • Designation definitions
    • Attendance polices definitions
    • Overtime polices definitions

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  • Collaboration with PPAF
  • 4+ Years of Working Experience in field of Micro Credit
  • Implemented MIS/FIS at more then 21 Organization all over the Pakistan
  • Introduce Product line – Smart Micro Credit Business Suite
  • Experienced & Specialized Technical Professional in field of Micro Credit
  • Exposure of Analysis, Training & Implementation
  • Continues Working on New Modules & Reporting

Download Broucher

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