- Borrowed
- K11,000.00
- Fee, 18%
- −K1,980.00
- Paid out
- K9,020.00
- Interest, 8% a month
- K880.00
| Instalment | Amount | Paid | Status |
|---|---|---|---|
| 1 of 6 | K2,713.33 | K2,713.33 | paid |
| 2 of 6 | K2,713.33 | K2,713.33 | paid |
| 3 of 6 | K2,713.33 | K0.00 | due |
| 4 to 6 | K8,139.99 | K0.00 |
Loan management for Zambian money lenders. Take applications on your own website, approve within your rules, and know who owes what today.
From K1,200 a month. We import your existing records for you.
| Instalment | Amount | Paid | Status |
|---|---|---|---|
| 1 of 6 | K2,713.33 | K2,713.33 | paid |
| 2 of 6 | K2,713.33 | K2,713.33 | paid |
| 3 of 6 | K2,713.33 | K0.00 | due |
| 4 to 6 | K8,139.99 | K0.00 |
Your staff work through the same steps on every loan, and each step records who did it. Your rates, limits and wording are your own.
Borrowers apply on your own website and upload documents, or staff enter a walk-in or phone application.
Record identity checks, employer confirmation and document reviews against the customer's file.
Work out affordability using your limit, including other repayments read from the bank statement.
Each role approves up to the limit you set for it. Above that, it is referred upward.
Print the schedule of terms with your real figures, attach your legal wording, and store the signed copy.
Record the payout once the rules you set are met. The loan opens with the schedule the agreement shows.
Record payments, oldest debt first, and print a receipt. A mistake is reversed with a reason, never edited.
See who to call today. Follow your reminder ladder, track promises and print letters.
Portfolio, arrears, adjustments and employer deduction schedules, with exports that leave out identity numbers.
The database enforces these on every screen and every action, so a shortcut in the office doesn't get past them.
Switch on the rule that whoever approved a loan cannot also pay it out. A one-person office can leave it off until staff join.
Receipts, charges, approvals and the contact log are permanent. Corrections appear as reversals, with a reason and a name.
NRC and TPIN show masked. Revealing one takes permission, and each reveal is logged.
Every staff member uses an authenticator app, and sessions end after 8 hours.
Choose from ready-made roles, from Loan Officer to Auditor, or build your own. Every role has its own permissions.
Every lender's records are separated in the database. We test that one lender cannot see another's.
For small money lenders.
K1,200 a month
Setup K1,500 · 5 users · 1 branch
For growing lenders.
K2,900 a month
Setup K3,500 · 20 users · up to 5 branches
For licensed microfinance companies.
K7,500 a month
Setup from K10,000 · no user or branch limits
Your licence, your rates and your legal wording. LendingOS prints your figures and attaches the terms you or your lawyer supply.
Ophir can support you through logged sessions, and may hold a Super Admin role that shows on your Team page. You can turn it off there at any time.
Tell us how you lend today, in Excel, a book or another system. We'll set up your products, import your records and start your 30 days free.
info@ophirintelligence.io