All our Microfinance suite is Mobile Enabled Web enabled PDA enabled Geography cognizant

2. Enabler All our Microfinance suite is • Mobile Enabled • Web enabled • PDA enabled • Geography cognizant • Voice enabled • IVR enabled • User cognizant • Smart card support

3. Mobile enabled Micro FinanceAccounting SYStem MicrofinancemEMBersRatingandAuditNEtwork MFAYSYSwith ERP Microfinance membersEXchange forIndustry COnvergence MicrofinanceFRAUd avoidance and Governance MicrofinanceEngineeRing andModellingAID MobileEnabling yourMicrofinanceSystem Online and Opportunity based Learning

4. MOBILE and WEB enabled System • User friendly screens • Easy monitoring of status through mobile • Cash lending and collection • Creation of collection demands • every week or month or fortnight, • Savings and Insurance packages for members • Accounting, Trial balance, Balance sheet etc

5. Complete Microfinance accounting • Rating members Branches • MIS reports for Banks • Ratio analysis • Portfolio at risk • Internal expenses and purchases • Easy transaction operations • Cash disbursement monitoring and collection

6. Member planning • Center planning • Loan product creation • Funder management and report • Fund planning • Branch and division planning • MIS reports (various reports user definable –CGAP compliant) • Logistics planning • De-duping • Fraud management • Early warning • Joint liability group (supported) • Self help group (supported) • Individual lending (supported)

7. FEATURES Forms and TRANSACTION REPORTS • Demand • Create Demand • Collection • Collection • Collection Approval • Cash from Head Office • Cash To Head Office • Cash To Bank • Expenditure • Preclosure • Centre & Group Head Assignment • Change Meeting Date • Change Meeting Date – Temporary • Change Meeting Date - Permanent • Other Parameters • Fund Settings • Loan Activity • Loan Category • Religion • Caste • Occupation • Marital Status • Area Unit • KYC Norms • Registration • Registration for DE • Reg Approval Forms • Loan Application • Loan Application for DE • Loan Approval • Disbursement • Division • Area • Branch • Centre • Assignment and De • Division Assignment • Area Assignment • Branch Assignment • FDO Assignment • Funding Agency • Loan Scheme • FDO tracking • FDO rating • Daily Collection Report (DCR) • Demand Collection Balance (DCB) • Receipts & payments Report • Trial Balance Report • Attendance Report • Funding Report • Waiting Borrowers • Portfolio At Risk • List of Members Report • Disbursement Report • Daily Status Report • Age wise Report • Centre Meeting Report • Total Collection Report • Weekly Portfolio Report • Advance Report • Growth Ratio s Report • Collection Ratios Report • Current Ratios Report • Dynamic Member Report • Demand Collection Report

8. Prevention of Fraud • Early info to Branch Manager, • FDO collection report • Info to Center Head, • Early warning systems, • FDO management, • Internal admin and accounts • Logistics management and insurance. • Fund management, • Business opportunity creation • Branch rent and real estate management • Mobile FDO tracking

9. Organization inventory • Payroll for employees • HR management • Administration • Accounts • Security • Special project management • Banks and reports • Members Complaint management • Member credit management • Mobile based branch management

10. Member Database Members credit record Rating, Bonafides, Ids, previous history, Passport, photograph, thumb impression License, Govt records Member pattern analysis Member profession analysis Member enquiry Member credit report Member enrolment De-duping query Pattern based early warning Fraud detection Alerts on Deduping FDO enquiry Microfinance Organization Microfinance Organization Subscription Microfinance Organization To prevent fraud by Microfinance members

11. Microfinance Members Self Help group members Service product seller group • Information from buyers group • Labor requirement • Product requirement • Service requirement • Business opportunity • Skill requirement Services / Products Buyer group Industries & Institution & Retail Agriculture farm workers Urban Daily laborers Server Retail stores Skills needed Work allocation Flower/ Vegetable sellers Search for Skills from MFIs SHG Information on skills, products or services availability Transport workers Industries • Support system for • Development of members • Health care (online) • Telemedicine • Vocational training • Sensitive Advertisement • Government policies • Entertainment • MFI Bank Notice Board • Due collection info Construction workers Home/public • Technology used by Mexico • Mobile , Wireless, Wire line • SMS/GPRS/USSD • Interactive voice response • Internet/Email/FAX • WLAN / WiMAX Institution & corporate

12. Biometric based fraud detection Photo based fraud detection Fraud pattern Based detection RFID based fraud detection

13. Model centres, branches • Model professions, age, caste of MFI members • Model payment patterns of members • Model investment needed • Model pattern of lending • Model disaster and create solution • Insert risk, insert fraud, insert new regulation and see the impact your microfinance • Predict profit/loss, analyse futuristic balance sheets, predict disasters, predict patterns of members • Predict futuristic ratio analysis

14. WEB and Mobile Enable existing MFI software Performance upgrade your existing software ADD in Fraud management Mobile enable existing MFI software ADD in New features in existing software ADD in MIS reports and Graphs Scale up your existing software

15. Teachers and Institution Universities Industries • MFI/Banks aided Online and Opportunity based Learning system • Business opportunity and learning system for Microfinance members MFI’S Online Interactive Training & Offline Training MFI members Opportunity Post learning Industry opportunity Self employment Opportunity

16. Contact: Justin Morris jtm@snowwood.com Mobile:+919940660713 Tel: +91(0)44-22391449