Microfinance & Loan Management
Comprehensive core banking and loan portfolio system for microfinance institutions, SACCOs, credit unions, and digital lenders.
enablt MFI
Enterprise Ready
Engineered to Eliminate Operational Bottlenecks
Enablt MFI is a modern, bank-grade core lending software designed specifically for financial inclusion organizations. It manages the complete credit lifecycle—from borrower KYC onboarding, collateral valuation, and flexible interest calculation to field collection reconciliation and central bank reporting.
Key Business Impact
Stops non-performing loans (NPL) with automated credit scoring, guarantor tracking, and early delinquency alerts.
Accelerates loan disbursement from days to minutes through multi-level digital authorization workflows.
Empowers field loan officers with mobile collection tracking, digital receipting, and instant GPS reconciliation.
Ensures audit compliance with automated IFRS-9 loan provisioning, journal entries, and trial balance generation.
Everything Built Inside enablt MFI
A robust suite of automated tools designed specifically to optimize your day-to-day operations.
Client KYC & Digital Borrower Onboarding
Capture biometric photos, national ID verification, credit history checks, and linked guarantor profiles.
Flexible Loan Product Engine
Configure flat rate, reducing balance, interest-only, balloon, or custom installment amortization rules.
Automated Repayments & Mobile Money
Direct integration with M-Pesa, Airtel Money, bank transfer APIs, and cash collection ledger reconciliation.
Portfolio At Risk (PAR 30/60/90)
Real-time aging analysis, automated penalty interest calculations, and restructure management.
Field Officer Mobile Portal
Empower field agents to collect daily/weekly repayments with instant SMS receipts for borrowers.
Double-Entry Core Accounting
Automated GL journal entries for every disbursement, interest accrual, fee, and penalty transaction.
How It Works in Practice
Simple deployment with immediate operational clarity from day one.
Borrower Application & KYC
Register client details, upload identity documents, verify collateral, and attach guarantors.
Credit Appraisal & Scoring
System computes repayment capacity, debt-to-income ratio, and recommends optimal loan limits.
Committee Approval & Disbursement
Authorized branch managers approve loans with electronic signatures and disburse funds directly.
Automated Repayments & Reports
Borrowers repay via mobile money or branch counters with automated SMS balance confirmations.
Who Is enablt MFI Built For?
Microfinance Institutions (MFIs)
Individual and group solidarity lending programs.
SACCOs & Credit Unions
Member savings shares, emergency loans, and dividend computations.
Fintech Digital Lenders
API-first instant payday and working capital loans.
Asset Financing & Lease Companies
Hire-purchase, vehicle collateral loans, and asset tracking.
Predictable Pricing for enablt MFI
Choose the tier that matches your business scale. Upgrade or cancel anytime.
Community SACCO
For small lending cooperatives & community funds.
Professional MFI
For growing microfinance institutions & credit unions.
Bank-Grade Enterprise
For regulated non-bank financial institutions & fintechs.