Micro Financer Standard Edition From Elitser IT Solutions India Pvt. Ltd .

1. Micro Financer Standard Edition From ElitserITSolutions India Pvt. Ltd. #303, Aditya Trade CenterAmeerpet, Hyderabad – 38. 91-40-23753232, 23751828 Email: contact@elitser.com

2. Micro Financer Overview Member Information Processes Consolidation Module Loan Processing PDA and Other Devices Loans Installation Savings Post Dated Cheques (PDC) Configuration Financial Budget Search Data Porting Fund Planning Help MIS Reports Security Financial Accounting Reports

3. Overview of Micro Financer Standard Edition LOAN APPROVAL GL CONFIGURATION GENERAL RECEIPTS CLIENT INFORMATION DEPOSITS RODUCTCONFIG. INVESTIGATIONS GENERAL PAYMENTS LOAN APPRAISAL INTEREST CALCULATIONS SECURITY RECTIFICATION ENTRIES LOAN DISBURSEMENT WITHDRAWALS BUSINESS RULES REPAYMENTS LEDGERS LOAN LEDGERS LOAN CLOSURE REPORTS FINANCIAL REPORTS OPERATING REPORTS SUPERVISORY REPORTS MANAGEMENT REPORTS EXTERNAL REPORTS LOAN HISTORY

4. Member Information Detailed Member information is captured through Member Information screens. Member provides his personal details at the time of registration with NGO. Assets, Investigation details will be obtained and entered by Field Officers during their personal visit to member house when the member applies a loan. • Investigation Details: • Socio Economic Indicators • House Hold Members • Housing Details • Credit History • Savings History • Background Checking • Court Case Details • Identification Details • Employment Details • Proof of Payment • Assets: • Personal Assets • Real Assets • Business Assets • Poultry/Live Stock

5. Loan Processing Loan Processing module takes care of capturing details of Cash flow, Credit Scoring of a loan applicant and gives maximum loan amount eligible as an input to the loan recommendation process. The following steps summarizes the Loan Processing Module activity. • Loan Processing: • Cash Flow • Credit Scoring • Loan Recommendation

6. Cash Flow Analysis Cash flow : To assess the borrower’s capacity to repay and determine the loan amount based on the borrower’s Household & Business income/ expenses. Cash Flow Adjustment Factor(CFAF): Is a percentage over borrower’s net income to arrive at repayment capacity. Debt Capacity Analysis: Repayment capacity of the borrower as per Daily/Weekly/Monthly cash flow. Maximum Loan Amount: Borrower’s repayment capacity times No of Installments.

7. Credit Scoring The Credit-Scoring measures the Maximum Loan Amount and relative risk of each borrower based on Cash Flow Information and various criteria like Borrowers Profile, Business Profile, Assets and Liabilities, Credit History and Savings History Points: Each profile is allotted some points(User Configurable). Weightage : Each profile is allotted some Weightage (User Configurable). Weighted Score: Points X Weightage Cash Flow Adjustment Factor(CFAF): Is a user configurable percentage based on the total points scored by the borrower. Maximum Loan Amount: Monthly cash flow from Cash Flow Data x Cash Flow Adjustment Factor(CFAF) and multiplies it by number of installments to arrive at maximum loan amount. Risk Classification: Risk classification is arrived based on the total points scored and the weighted score.

8. Loan Recommendation Cash Flow Analysis: The Cash Flow Analysis tab information is automatically filled up from the data entered in Cash Flow Analysis. Appraisal of Collaterals : The information under the ‘Appraisal of Collaterals’ tab shows assets which are flagged as collateral. Loan Assessment : Data picked up from credit scoring, personal details and old loan accounts history of the borrower. Loan Approval: Loan Sanction details including the amount and terms of loans and the purpose.

9. Loan Module Loans module handles total life cycle of Micro Credit activity. Starting from products to the repayments and closure of loans. The following steps summarizes the Loan Module activity. • Micro Credit Activity: • Loan Products Definition • Service Charges Definition • Loan Account Creation • Loan Disbursement • Loan Repayment • Re-Scheduling Loan • Pre-Closure

10. Loan Products Loan Product Creation Loan Repayment Schedule

11. Savings Module Savings module handles total life cycle of Savings activity. Starting from products to the deposits and withdrawal of savings. The following steps summarizes the Savings Module activity. • Savings Activity: • Savings Products Definition • Service Charges Definition • Savings Account Creation • Deposits • Withdrawals • Interest Calculations/Postings • Ledgers

12. Savings Deposits Withdrawals

13. FA- Reports • Trial Balance • Trial Balance T- Format • Trial Balance Between Dates • Balance Sheet • Income & Expenditure • Day Books • General Ledger • Receipts & Payments • Receipts Scroll • Payments Scroll • Voucher Printing Note: All above reports can be generated As on Date/Between Dates/Comparative

14. MIS Reports MIS - Operating Reports • Member Personal Details • Means Test • Member Cash Flow • Member Credit Scoring • Loan Recommendation • Loan Repayment Schedule • Loan Ledger • Savings Ledger • Demand Note • Collection Due Report • Performance Ratio • Drop Out List • Product Performance Report MIS - Funder Reports Summary of Loan Releases Active Clients Served Per Area Coverage Over All MF Program Status Report (PSR) Schedule of Loan portfolio and Accommodations

15. MIS-Management Reports • Unit Monthly Summary • AO Monthly Summary • Daily Collection Sheet • Monthly Beginning Balance Savings & Loans Per Group • Monthly Beginning Balance Savings & Loans Per AO • Pass Book • Monthly Report on Loans • Monthly Report on Savings • Loan Disbursement Master roll • Loan Application • Cash Book Payment Side • Cash Book Receipts Side • Listing of Loans • Savings Listing • Delinquency Report • Portfolio At Risk(PAR) • PAR by Ageing and Business Activity • PAR by Loan Amount and Business Activity • Loan Profile by Gender • Interest Collected by MF Unit • Performance by AO (Field Officer) • Demand Statement • Ageing by Member • Savings Defaulters Statement • Schedule of Micro Finance Loans • Client Status Report • Monthly Report

16. Fund Planning This module helps the organization to plan their funds flow based on certain parameters. Fund planning can be planned either Group Wise or Unit Wise. • Fund Planning: • Projections • Projections Vs Actuals • Surplus/Deficit

17. Other Features Security – Role & Rights Manager Security – User Manager • Configuration: • GL Configuration • Parameters Configuration • Audit Trial Configuration • User Defined Label Captions

18. MFSE Application Member Details Loan/Savings Acc Details Demand Information Integration of Other Devices Online Mode Online Mode Hand Held Devices D E V I C E I N T E R F A C E Request Demand Info. From Sever(If Online) Off Line Mode Off Line Mode Display Demand Details Record Collections Synchronize with Device Issue of Receipts Upload Data to Device Synchronize with Server Extract Data from Device Upload Data to Server

19. Repetitive Activity One Time Activity Export/Import Overview Data Transfer (CD/Floppy/Internet) Export Data to HO Folders Import Data Configuration (Head Office) Periodic Reporting Import Data from Branch Folders (Branch Office) Daily Transactions Consolidated Reports Generation Export Data Configuration

20. Data Porting For further details contact@elitser.com