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Crystal Clear Software Ltd. COMPANY PROFILE. A Uganda-based Company, founded in 1998 ISO 9001:2008 Certified Specialized in Software for Micro-Finance Branch Office in Costa Rica Many Consultants all over the world. COMPANY’S PURPOSE. Make LOAN PERFORMER the standard for micro-finance.
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COMPANY PROFILE • A Uganda-based Company, founded in 1998 • ISO 9001:2008 Certified • Specialized in Software for Micro-Finance • Branch Office in Costa Rica • Many Consultants all over the world
COMPANY’S PURPOSE Make LOAN PERFORMER the standard for micro-finance How? By creating a Product that is: • Flexible • User-Friendly • Customizable • Affordable
LOAN PERFORMER INSTALLED BASE Number of Active Clients 321 Clients Use LPF 26% in East Africa48% Rest of Africa17% Eastern Europe & Asia9% Caribbean & Latin Am. 720 Installed Sites Data as per 01/11/2011
THIRTEEN YEARS IN BUSINESS 1998-2011 • Quality Award for Maintaining the highest quality in Management Quality Systems from Uganda National Bureau of Standards (Nov 2011). • ISO 9001:2008 Certified for Quality Management Systems (Oct 2010). • INNOVATIVE PRODUCT AWARD from Uganda Communications Commission (Oct 2010). • Selected TWICE as one of the Top 100 MID-SIZED COMPANIES in Uganda by KPMG (Oct 2009, Dec 2010) • 2Nd Runner up in the Small Scale Category at the INVESTOR OF THE YEAR AWARD 2009. • Two out of the 20 winners of the CGAP (World Bank) Financial Transparency Award 2007 for MFIs use Loan Performer: Findev and Viator, both in Azerbadijan. • WINNER OF THE AFRICAN SMME AWARDS 2005 in the Information and Communication Technology sector, Issued by the Centre for Investment Analysis (ACIA) of the University of Stellenbosch Business School in Capetown, South Africa. • SILVER IN THE 5th PRESIDENT’s EXPORT AWARDS 2003 for being the Number 1 Exporter in the category of ICT Exports. • INVESTOR OF THE YEAR AWARD 2003 for the “Best Software Development for the year 2002-2003” from Uganda Investment Authority.
LOAN PERFORMER MODULES IN 8.0 • General Ledger • All Financial Statements • Budgeting • Assets • Sales & Purchases • Multi-Currency • Export to Other • Accounting Packages • Client Module • Individual Clients • Businesses • Groups • Group Members • Photos/Signatures • Savings Module • Savings Products • Time-Deposits • Loan Portfolio Module • Tracking of Group Accts • Links to Savings/Shares • Printing Loan Contracts • PMT Tool • Shares Module • For Inds. & Groups • Dividend Fingerprint Scanning (Add-on) WAN Connectivity (Add-on) SMS Banking (Add-on)
WHAT’S NEW IN 8.0? • WAN Networking with Crystal Link • Biometric Fingerprint scanning (for user access as well as client validation) • SMS Banking • Multi-Currency • Poverty Assessment • Customized reports • Etc.
CRYSTAL-LINK WAN or Internet Compressed & encrypted data Compressed & encrypted data LPF Clients (Branches) LPF Server (Head Office)
Server Side • Windows 2003 and later (even XP up to 10 connections) • Internet Information Services (IIS) • Public IP address • SOAP Toolkit • LPF Server DLLs exposed as Web Services • Database: SQL Server recommended for security reasons • Connection 768 KBPS dedicated or higher
Client Side • Windows 2000 and later • SOAP Toolkit • Local Lookup tables • LPF Client – lightweight exe • Connection: 512 kbps Shared Internet
Skills Needed to Support LPF 8.0 on WAN • Installation & Configuration of IIS • Installation & Configuration of SQL Server • General Windows troubleshooting skills
When to use the Fingerprint Biometric Scanner? • Users Login • Savings Withdrawal • Time Deposit Withdrawals • Disbursements
CAPTURE USER/CLIENT’S FINGERPRINTS Put the thumb on top of the Scanner. Click on “Capture Image” Do this once for each thumb.
If Fingerprint Login is activated, Username And Password are de-activated .
General messages • Send message when time deposit matures • Send message after a savings deposit/withdrawal • Send message after a savings transfer • Send message after savings interest payment • Check savings balance • Send message after loan is disbursed • Send message to guarantors after loan is disbursed • Send repayment due reminder message • Send arrears notice message to guarantor • Check loan/arrears balance FUNCTIONALITY SMS BANKING
REQUIREMENTS FOR SMS BANKING • Loan Performer 8.0 • GSM Modem/GSM Phone or SMPP Server • SIM Card + Airtime
SMS BANKING • Identification by combination of account, phone number and password • All messages can be customized into local languages • IMF can Charge Clients for SMS Services
SMS MESSAGES REPORTS FROM LPF • Received Messages • Unsent Messages • Sent Messages • Error Messages
OTHER FEATURES IN 8.0 • Poverty Assessment • Bank Reconciliation • Loan Refinancing • Foreign Exchange Transactions • Overdrafts • Check Books for Savings Accounts • Custom Reports • Automatic Updates of the Program • Automatic Closure of LPF if no activity etc.
WHEN? 2 DECEMBER 2011NEW INSTALLATION? SQL SERVER LPF LICENSE (USD 3,000) + USD 1,040 PER ADDITIONAL BRANCH for WAN + 20% ANNUAL FEESUPGRADE PATH? EXISTING BRANCH DATABASES NEED TO BE CONSOLIDATEDUPGRADE COSTS? SQL SERVER LPF LICENSE (USD 3,000) + USD 1,040 PER ADDITONAL BRANCH for WAN + 20% ANNUAL COSTS + DATABASE MIGRATION COSTS (USD 300 PER DATABASE) – PREPAID ON PREVIOUS LICENSE(S)
PRICES NEW FEATURES IN 8.0 • SMS Banking: +20% of license + 1$ per SMS account Fingerprint Scanning: +10% of license plus USD 150 per scanner (ex-VAT) Web-access for customers (check accounts only): + 10% of license • WAN Connectivity: 3,000 USD + 1,040 USD per additional branch • Example MFI with 1 office, 5-user license with SMS+FPS (3 scanners): (1,600 + 20% + 10%) plus 20% annual fees plus 3 x 150 = 2,946 $ • Example MFI with 3 branches and 20 users with SMS+FPS (9 scanners): ((3,000+ (2 x 1600) ) + 20% + 10%) + 20% annual fees + 9 x 150 = 11,022 $
CRYSTAL CLEAR SOFTWARE LTD P.O. Box 7463 Kampala Uganda 3rd Floor King Fahd Plaza, Plot 52 Kampala Rd Tel:- 256-414-231739 Fax:- 256-414-233644 Email ccs@infocom.co.ug Website: www.loanperformer.com