Rhodes Court, Upperhill, Nairobi
Open Hours of CompanyMon - Fri: 8.00 am - 6.00 pm
Rhodes Court, Upperhill, Nairobi
Open Hours of Company Mon - Fri: 8.00 am - 6.00 pm
Enwealth Business Centre, Ngong Road, Nairobi
[email protected]
CALL US 24/7:
+ 254 723 891 253/ +254 729 326 968

Microfinance Software


DWEST Credit is a complete online credit solution for any type of finance, banking or co-operative organizations. This script comes with all essential tools for managing loans, repayments and all other loan related task. In contrast this system includes multiple account features like as savings account, checking account and also you can create different types of others account for each particular customer. 

Key Modules

❖ Branch Management

A branch management module contains all the information related to division, region, and branch offices. It
will manage the MFI’s organizational hierarchy. Features include New Division Office, New Regional Office,
New Branch Office, and Portfolio-Backlog Transfer.

❖ Product Management

Products are financial offerings to the customers from MFIs and are governed by rules specified bythe
microfinance organizations and these rules are different for various products. Features include: Create Loan
Product, Assign Service Tax, Create Survey Field, Loan Gradation, Registration Fee, and Written-Off Master.

❖ Collection Officer Management

C.O. management module consists of a group master and an employee master. Through group master users
can create new groups. Groups are at the heart of the microfinance methodology. On the other hand, the
employee master helps to store the employee details. The user can easily assign a group to a
C.O. Features include: Create Group, Employee Registration, and Assign Group To CO.

❖ User Management

This module defines access restrictions and user management by using roles. There are five-level hierarchies
of users based on roles. Such as Administrator, Division Manager, Regional Manager, Branch Manager, and
Teller. Features include: Create User, Change Password, and User Data Entry Status.

❖ Member Registration

This module takes care of customer surveys and group formation. Users can manage the customer survey
fields through the “Create Survey Field” sub-module. It manages to create a member, modify member
details, and transfer members between two groups with a backlog portfolio.

❖ Loan Processing

Loans help to fulfill the goal of MFIs by providing credit to the customers. With the help, of the Loan
Processing Module MFIs could identify the proper and suitable customer. It manages the loan

documentation and loan processing status. The loan-Recycle system is maintained by the Loan-Recycle sub-


❖ Loan Disbursement

When a loan is disbursed to a customer, the system generates an installment amount and various charges on
the basis of the loan product and automatically schedules the loan due date according to the holiday master
and grace period. All the respective ledgers get updated automatically. At the time of Loan disbursement, the
Security amount has been deposited to the Security account against Loan Number on the basis of the loan
product. When the loan has been paid, the system shows the paid Loan No. If the customer withdrawals
the security amount, the customer account shows in the “dropout” interface. The user may drop out of
the customer account. The death Settlement module manages thecustomer death. If a customer is dead, the
user may return the security amount to the customer without paying the loan amount. The loan outstanding
is exempted from Reserves and Surplus Account or any other sources. The dead customer does not calculate
in the Ageing-PAR analysis. Features include: Disburse Loan, Return Security Amount, Drop out Member and
Death Settlement.

❖ Loan Recovery

It shows the date-wise C.O. Collection sheet details. It manages the Group wise Loan Recovery and
supports the batch update. Once the payment has been applied to the system, the system will automatically.
update the loan outstanding balances, the next payment details, and all the respective ledgers. Due to
violations and/or non-repayment etc., the customer loan account can be marked as “Written-Off” on the
basis of “Definition of lateness” (Written-off master) as defined by the HO. From this state, the customer
account can go to “Active- Bad standing” or “Bad Debt”. The Bad Debt customer does not calculate in the
Ageing-PAR analysis. Features include Loan Recovery, Sick Payment, Written-off and Bad Debt Analysis.