Kikavu Tech Solutions designed and built a digital platform that runs every operation of a microfinance institution — from member onboarding, savings, individual and group loans, mobile-money payments and SMS, to portfolio-quality (PAR) reporting and AI-assisted credit scoring.
ABM CORD Microcredit Limited serves small entrepreneurs, traders and community groups. Before the system, most work was done in ledgers and Excel sheets, making loan tracking, collections and reporting slow and error-prone.
Every module was built around the real operating environment of Tanzanian microfinance — TZS currency, +255 mobile numbers, region/district/ward addressing and the Swahili language.
A machine-learning model (Random Forest) trained on the institution’s own loan history gives every new application a risk score — and retrains itself weekly.
The system ensures no loan is disbursed until every requirement of the institution’s lending policy is met.
The system transformed day-to-day operations — from manual paperwork to reliable, digital operations.
Management sees PAR, overdue loans and daily collections in real time instead of waiting for month-end reports.
Mobile payments are posted and confirmed automatically — reducing cash handling and the risk of errors.
Standardised appraisal, a mandatory checklist and an AI risk score help reduce bad loans.
Maker-checker, approval limits and an audit trail create accountability for every staff member.
Members receive SMS receipts and reminders and can pay from anywhere using their phones.
P&L, loan, savings and expense reports are one click away — ready for the board and regulators.
Workshops with management and loan officers to map the lending policy, products and workflow.
Building the member, savings, loan, group, payment and reporting modules.
Integrating Beem Africa (SMS and payments) and migrating members and running loans from Excel.
Staff training, system launch and ongoing technical support.
The system runs on desktop, tablet and mobile, with Swahili as the primary language and English also available.
We can deliver a system like this, configured to your own lending policies.
Get a Quotation More projectsinfo@kikavutechsolutions.com · +255 769 558 137