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Amala Loan Officer Features

Amala Loan Officer which goes with the name of Amala Popote is a mobile application, supported by the Amala Core Banking system that is used by loan officers of the financial institution, be SACCos, Microfinance, VICOBA, AMCOS, Community Bank etc. It simplifies loan officers' work by empowering him to continue with his work while he is in the field.

The followings are some of the features available in the application.

 

Global SearchGlobal Search

The Amala Popote provides you with capability to search anything in the application, be the name of the client, group or center. Also loan officer can search for a loan, saving or share account that is in the system.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Client OperationsCreate Client

Client ListClient Management

The Amala Popote gives loan officer access to all clients that he is managing, also it allows him to create a client/member even when he is on the field and be able to perform all the operations that loan officer can do to a client account provided that he has the required privileges

Group ListCreate GroupGroup OperationsGroup Management

The Amala Popote allows loan officer to be able to manage groups in his mobile phone, loan officer can see all the groups that are in the institution, can be able to view their loans and savings, view and upload documents related to the group and other operations related to the particular group.



 
 Center DetailsCenter List 

Center Management

The Amala Popote allows loan officer to manage the centers through his mobile phone, he can create them, add groups on them and add saving accounts to the centers.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

List of Loan AccountsCreate LoanLoan Summary Loan Management

The Amala Popote provides to the loan officer all loans that a client/member of the financial institution have and the details of the loans, the loan summary which include the principal of the loan, interest and if there are penalties. Also loan officer can apply for a loan of a client when he is on the field using his mobile phone.

 

 

Saving Accounts

 Create Saving Saving SummarySaving Management

The Amala Popote provides to the loan officer all savings that a client/member of the financial institution have and the details of the savings, details of the savings which include the balance of the saving account, the total withdrawals and the transactions . Also loan officer can create a saving account of a client when he is on the field using his mobile phone.

 

Make Repayment

 DepositWithdrawalMake Repayments, Deposit and Withdrawals

The Amala Popote allows loan officer or a user who has a privilege of recording transactions of loans or saving to perform them through the app, user can make repayment of the loan, deposit to the saving account or withdrawal.

 

 

Review Repayment

 Review WithdrawalReview Transaction Before Submission

The Amala Popote gives a chance for a loan officer to review the transaction performed in the loan of saving account before they are submitted, a loan officer can double check to be sure that the amount supplied is exactly what client/member has submitted.

 

 

 

 

 

 

 

 

 

 

 

 

 

Collection Sheet

 Save for OfflineCollection Sheet

The Amala Popote have a collection sheet that loan officer can use to review all the collections s/he is expecting at the specific day. Also the application allows him to save the collection sheet result so that s/he can use even when he is offline.

 

 

 

 

 

 

 

 

 

 

 

 

 

  
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Amala Self Service Features

 

Amala Self  Service which goes with the name of Amala Yangu is a mobile application, supported by the Amala Core Banking system that is used by  a client/member of the financial providers, be SACCos, Microfinance, VICOBA, AMCOS, Community Bank etc. It empowers clients/members of the financial institution to access their data and be able to perform some of the activities in their accounts.The followings are some of the features available in the application.

Client Profile

 

Client/Member Profile

The Amala Yangu has a profile with the picture of the client, total of the saving balance, total outstanding amount of the loans s/he has and link to some operations that a client can perform with relating to his/her accounts.

 

 

 

 

 

 

 

 

 

 

 


 

List of Loan AccountsLoan Account waiting for Approval

List Of Loans

The Amala Yangu provides the list of all loans that a client with the account in the app have to the financial provider, in the list, the loans are showed with their status and the outstanding amounts. Client/Member can know the progress of the loan s/he applied (if it is still in approval process or just waiting for disbursal)

 

 

 

 

 

 

 

 

 

 

 

 

 

Loan DetailsLoan SummaryRepayment Schedule

Loan Details


The Amala Yangu provides loan details of the loans that client/member own, they can see the loan summary, the overview details and the repayment schedule of the loan. All these details are per loan, client/member will be able to view the loan details of different loans that s/he applied. 

 

 

 

 

 

 

 

 

 

 

 

 Loan Application

 

Loan Application 

The Amala Yangu gives client/member ability to apply for a loan and fill all necessary primary details that will be needed, with this, it has reduced the work to loan officers to fill even basic information that can be filled by a client. The approval process will still be handled in back office.

 

 

 

 

 

 

 

 

 

 

 

 

 

Saving Account

Saving Account

The Amala Yangu provides to a client a privilege to view the list of all their saving accounts and their details. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Share Accounts

Share Account

The Amala Yangu provides to a client a privilege to view the list of all their share accounts and their details.  It also shares the number of shares that are already approved and those that waiting to be approved.

 

 

 

 

 

 

 

 

 

 

 

 

 

Transfer Fund

Transfer of Fund

The Amala Yangu allows a client to make repayment of a loan by transferring fund from a saving account to a loan account, to make a deposit or withdrawal by making a transfer from one saving account to another.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Third Party TransferBeneficiariesAdd Beneficiaries

Beneficiaries Management and Third Party Transfer

The Amala Yangu provides the ability for client to create their beneficiaries, also to transfer some fund to the saving account of their beneficiaries or paying their loans.

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Amala Core Banking Features

 User FriendlyUser Friendly

The Amala Core Banking has interfaces which are easy to use. The dashboards which can show you number of clients/members registered in a certain day,  number of loans disbursed in a day.Also there are dashboard to show propositional of amount disbursed and that waiting for disbursal, amount collected for the day and that expected to be collected. The user of the system does not need IT background to be able to use the system.

 

 

 

 

Client ManagemenetClient Management

The Amala Core Banking allow an institution to manage their clients/members with all their data in the system. All the operations concerning their clients/members can be done in the system in a best practice way. The system allow you to create custom forms to capture other information that might be unique to your organization but information like Names, Address, Family Members, Signature, Picture and other more have by default fields to capture them.

 

 

 

 

 

 

 

 

 Group ManagementGroup Management

The Amala Core Banking support management of groups, from registration to managing the clients that are in the groups. With groups in the system, you can attach the members, apply for the loan of the group, have a saving account of the group and schedule the meetings.

 

 

 

 

 

 

 

 

 Loan ManagementLoan Management

The Amala Core Banking system offers a full loan management  module with processes that fit the best practice of Financial Service Providers (Microfinance or SACCOs, VICOBA ). With limitless number of loan products that can be created, a user can customize the product as much as she/he wants with variation of loan terms, repayment numbers, interest rates, range of principal allowed, guarantors, arrears tolerance and other more. With this flexibility, the system guarantee to grow with the financial service provider. The profile of a loan shows the necessary information about the loan on the overview and even label different color when the loan is overdue to alert loan officers.

 

 

 

 

 

 

Loan Calculator Loan Calculator

The Amala Core Banking has simplified the work of loan officers when they want to answer clients question "If i take X amount and i want to pay in Y installments, how much will i have to may in one installment? ". By using a calculator, loan officer can just feed in the data and the system will calculate and give the answer in  a single click.

 

 

 

 

 

 

 

 

 

 

Saving ManagementSaving Management

The Amala Core Banking offers the module of saving management with the processes used in opening a saving account and managing it. With additional features like withdrawal fees, transfers from one saving to another and paying a loan using a saving balance.

 

 

 

 

 

 

 

 

 

 

 

Share Management Share Management

The Amala Core Banking have a full share management module for SACCOs and VICOBA that share is a very important product.  It allows to define the unit price of the share The member will be able to purchase shares and redeem shares, will be able to know the number shares they have and how much they are worth.

 

 

 

 

 

 

 

 

 

 

 

Bulk ImportationBulk Importation

The Amala Core Banking allows you to import data in bulk to reduce the time that you could have used to input on data at a time. With bulk importation tool integrated in the system, you can import offices, employees, users, clients/members, loans, savings, shares, guarantors, loan repayments, saving transactions, etc. The system also allows you to download later for reference

 

 

 

 

 

 

 

 

 

Teller and Cashier ManagementTeller and Cashier Management

The Amala Core Banking allow for the financial providers which have a front office to manage their teller and cashier operations in the system. With this feature, they can create tellers and assign cashier in a particular tellers, allocate cash to cashier record all the in and out cash that are affected by disbursements and collections of money, and at the end of the day settle the amount left to a cashier for that day. 

 

 

 

 

SMS CampaignSMS Campaign

The Amala Core Banking is integrated with Infobip, service providers of sms notifications to allow to send sms when a certain action is performed in the system. clients can get notifications when their loans are disbursed, when their loans are due or the due period is arriving, when a withdrawal and deposit is done in their accounts and other more actions that an institution will want to alert their clients/members

 

 

 

 

 

 

 

 

 

Accounting ModuleIntegrated Accounting Module

The Amala Core Banking has a accounting module built in that allows to create chart of accounts and records all the operational transactions. Its gives you the additional of posting the manual entries that are not portfolio related. With this module, you will migrate your opening balances, capture all the accounting related information that were manually created (individual and frequent posting) and accounting related information from loans, savings, shares and charges that are automatically posted.

 

 

 

 

 

 

 

 

Budget ManagementBudget Module

The Amala Core Banking provides you with budget module that allows you make your plans on how much you are expecting to get and how much you are expecting to spend. The feature allows you to create a budget of a year, semi-annual or a quarter.

 

 

 

 

 

 

 

 

 

 

 

ReportsQuality Reports

The Amala Core Banking provide many reports providing information on clients/members, active loans, loans in arrears, loans that are expecting to be disbursed and other information of loans in different levels like institutional, loan officer and product level, saving account, share accounts and accounting reports. The reports are based on customer requirements we are serving. With addition to that, Amala Core Banking allows to create a custom report upon your requirement. 

 

 

 

 

 

 

 

 

Audit TrialAudit Trial

The Amala Core Banking provides you with the details of who did what, when and at what entity. On this feature, user with privilege will be able to check anything that was done in the system in case something goes wrong, it will share the action performed, the maker of the action, the checker of the action and time of execution.

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About us

A technology for financial inclusion that has features for financial institution flexibility to grow and advance in its way of managing customers, financial products, fast and regular reporting capabilities.

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SingoAfrica Limited
Mbezi Beach "B"  | Mwai Kibaki Road | 6 Wasafi Str.

P.O BOX 78908 | 14121 Dar es Salaam

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