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Credo360
Loan Management System for Microfinance
Overview
Enterprise-grade loan management platform built for licensed microfinance institutions in Tanzania. Credo360 covers the full loan lifecycle: borrower onboarding and KYC, individual and group loan origination, multi-level credit approval, disbursement tracking, repayment scheduling and collections, portfolio dashboards, and SMS / WhatsApp / email communications.
Designed with Tanzanian operations in mind — mobile money–ready disbursement channels, Credit Reference Bureau (CRB) integration readiness, RBAC approval limits, and regulatory reporting. Modular architecture (FastAPI, PostgreSQL, Redis/Celery) supports on-premises or vendor-hosted SaaS deployment.
Designed with Tanzanian operations in mind — mobile money–ready disbursement channels, Credit Reference Bureau (CRB) integration readiness, RBAC approval limits, and regulatory reporting. Modular architecture (FastAPI, PostgreSQL, Redis/Celery) supports on-premises or vendor-hosted SaaS deployment.
What it delivers
Clear outcomes this platform is built to produce for operators on the ground.
Full lifecycle
Origination through collections in one LMS
CRB-ready
Credit checks and submissions built into the flow
Localized
Kiswahili and English borrower communications
Features
Everything covered in Credo360 — modules and capabilities across the platform.
Identity & access
- JWT auth with MFA / OTP for privileged roles
- RBAC + approval authority limits
- Segregation of duties (loan officers cannot approve own cases)
- Staff profiles, branches & departments
- Auditor and read-only roles
Borrowers & KYC
- Individual borrower onboarding (NIDA, contacts, employment)
- Business borrowers (TIN, directors, turnover)
- Guarantors & next of kin with e-consent
- Document vault (ID, salary slips, collateral, agreements)
- Preferred language (Kiswahili / English)
Loan engine
- Configurable products (salary, SME, group, school fees, asset financing)
- Origination → verification → approval → contract → disbursement
- Multi-level credit approval workflows
- Interest, fees, tenure and collateral rules per product
- Group and individual loan support
CRB & compliance
- Credit Reference Bureau check & submit flows
- BoT / PDPA-oriented compliance controls
- AML / CFT checkpoints
- Audit-ready activity and governance logs
Repayments & treasury
- Repayment schedules & receipting
- Mobile money–ready disbursement channels
- Treasury and cashier workflows
- Accounting postings
Collections
- Collections queues and PTP tracking
- Call center logging
- Escalation workflows for arrears
Communications
- SMS / WhatsApp / email templates
- Localized borrower messaging
- Reminders via Celery workers
- Communication logs
Reports & ops
- Portfolio and branch dashboards
- Regulatory & operational reports
- AI-assisted prompts where configured