General Features

• Multi-currency
• Multi-user
• Multi-branch
• Multi-language
• Customizable interface –Parameter driven

Interface

• Full Unicode support
• English and Russian( under development )
• User-modifiable language pack
• Simple user-oriented interface
• Function Keys and keyboard shortcuts

Clients

• Individuals, SELF-HELP groups, Companies
• Over 300 customizable fields
• Several client classes with configurable 'required field' sets
• Photos, facsimiles and unlimited number of graphical files can be attached
• Duplicate client checking
• Client watch list
• Client blacklist
• Client relationships
• Client Referrals
• Elementary internal Client rating
• Credit Rating System
• Configurable range for acceptable client ages

Applications

• Business applications controlled by loan product parameters
• Required collateral list for every application (also product-controlled)
• Automatic application status management
• Business evaluation print form (user-modifiable)

Committees and Decisions

• Fully customizable 3 level credit committees
• Multiple eligible committees for same loan amount
• Tracking approved, rejected and suspended applications
• Vote quotas and required votes inside every committee
• Product-wide and global committee eligibility matrices

Loans

Amortization (Repayment) Schedules

• Automatic schedules - 4 preset types (constant payment, constant principal, bullet, balloon)
• World's most precise constant payment schedule
• Grace periods on principal / interest payment
• Schedules skip holidays (customizable)
• Schedules skip week days (customizable)
• User-selected payment frequency (every X periods)
• User-rounded total payment
• Manual schedules
• Separate schedules for group members
• Rescheduling module (supporting multiple reschedules)
• Pre-schedule and post-reschedule tracking
• Loan calculator for building demo schedules

Interest

• Flat / declining interest rates
• Variable annual basis for interest accrual
• Daily accrual / cash method
• Upfront / standard interest payment

Fees and Penalties

• Disbursement (procedure) fee
• Penalty on principal payment (several types)
• Penalty on interest payment (several types)
• Advanced repayment fee (several types)
• Unutilized Amount Fee

Defaults and Overdue Payments

• Due payments (principal and/or interest) indicated
• Overdue payments (principal and/or interest) indicated
• Overdue days counted by PAR and PIA

Monitoring and Management

• Disburse/periodical/problem monitorings tracked for every loan
• Notes and reminders tracked for every loan

Other Loan Features

• Standard and revolving loans
• Global and product-wide loan cycles
• Disbursement visa requirement

Collaterals

• 5 Types and 21 subtypes of collateral
• Sub-items
• List of required collateral approved on a decision stage
• Independent collateral records attached to different loans simultaneously
• Separate collateral agreement visas
• Photo attachment

Loan Products

• Fully customizable loan products with over 40 parameters for exact tuning to design a Organization specific Loan Product
• Product groups supported
• Product-wide loan loss reserve matrices
• Product-wide committee decision matrices
• Branch-wide and MFI-wide products

Resource Management

• Donors and creditors tracked
• Grants and credits tracked
• Separate tranche schedules
• Upcoming scheduled payments list
• Resource balance controlled before disbursement

Business Location Manager

• User-modifiable business locations: country/territory/region/city/district/zone
• Distances, urban/rural types and PIN/zip codes automatically tracked

Loan Loss Reserves

• Global reserve matrix for standard and rescheduled loans
• Product-wide reserve matrix for standard and rescheduled loans
• Reserve matrix change track history
• Manual risk categories
• Alternate reserve amount calculation method (loan balance split by arrears days)

Reporting & Analysis

• Over 50 report groups for detailed analysis of clients, applications, loans and collaterals
• Unlimited number of user-defined print forms for each report
• Unlimited number of user-defined column sets (with filters and sort orders) for each report
• Universal customizable and savable report filter
• On the fly aggregate functions (sum, average, min, max, etc.)
• User-created T-SQL statements used as saved reports
• Clipboard and Excel export features
• Global analysis module with almost 150 preset ratios
• Weekly repayments payload
• Monthly repayments payload
• Gross Loan Portfolio dynamics chart
• Several Other Customizable Reports and Charts

Loan Agreements and Documentation

• User-modifiable print forms for every event (committee protocol, repayment schedule, etc.)
• User-modifiable loan and collateral agreements
• User-modifiable reports
• Unlimited custom forms attached to every event or report

Accountings Module and General Ledger

• Fully configurable accounts module matrix
• Over 30 types of operations retrieved for accountings module
• Operations for accountings being filtered by 6 parameters
• Different accounts for disburse/cover
• Customizable Taxation , country specific criteria

Day-end Operations

• Authorizations for all transactions and loan events of current day
• Close-day operations for blocking past disbursements, repayments, loan events, etc.
• Admin-lock of closed operation days

Users and Security

• Strong user password encryption
• User and password expiration
• Password complexity requirements
• Single or multi-node users
• User groups with more than 150 editable permissions
• User groups with/without row-level security

Row-level Record Security

• Automatic client, application, collateral and loan record sharing over users
• Manual record sharing

Log and Journaling

• All events tracked and logged
• Configurable journal - pick events to be logged
• Previous/current values of edited fields saved

Node (Branch) Structure

• Unlimited number of user-defined nodes (branches, service centers, outlets, etc.)
• Unlimited vertical node tree
• Loan product, client and collateral sharing over multiple nodes
• User sharing over multiple nodes

Other Features

• Automatic document enumeration templates
• Lookup list editing module
• Administrator session manager for viewing/kicking active users and processes

Technical Specifications and Requirements

• Loan’DOX is built with the use of MS SQL Server 2005
• Loan’DOX is copy-protected with the latest generation of hardware encryption system
• Minimal hardware requirements for the client part are: Pentium III or higher, 128 MB RAM, 20 MB free disk space, 4 MB video card
• Minimal hardware requirements for the server part are individual for every MFI and strongly depend on the size of its portfolio, number of active clients, length of history, accrual method, etc.