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Financial services

Every loan, every repayment, on schedule

Loan management for microfinance institutions, SACCOS and lending companies in Tanzania.

What it does

Microfinance & Loan Management

A lending book fails quietly. Arrears are understated because a rescheduled loan was never marked as such, provisioning is done from a spreadsheet, and by the time portfolio at risk is visible it has already happened. Correct classification, applied automatically, is most of the discipline.

  • Loan products with interest method, fees, penalties and grace periods
  • Application, appraisal, approval workflow and disbursement
  • Repayment schedules on flat or reducing balance
  • Group lending with guarantors and joint liability
  • Collections: due lists, field officer allocation and follow-up notes
  • Arrears ageing and portfolio at risk by officer, branch and product
  • Automatic classification and provisioning
  • Mobile money disbursement and repayment reconciliation
  • Savings and deposit accounts where licensed
  • Client KYC linked to the AML module
  • Regulatory and board reporting packs

Tanzania

Built for Tanzanian lending supervision

  • Microfinance Act tiers — reporting shaped by the tier your institution is licensed under.
  • Bank of Tanzania returns — portfolio, arrears and provisioning assembled from live loan data.
  • Classification and provisioning — applied automatically by days in arrears, not by judgement at month end.
  • AML and KYC — customer due diligence shared with the compliance module rather than duplicated.
  • Mobile money — disbursement and collection reconciled against the loan ledger.

How we work

Scoped first, built in phases

We look at the process

Not a sales meeting. We sit with the people who do the work now and find where the time and money actually go.

You get a written scope

What will be built, what it costs, how long it takes, and what is explicitly out of scope. In writing, before anything starts.

Built in phases

The part that hurts most is delivered first and put into real use, so value arrives before the whole project is finished.

Trained and supported

Your staff are trained on the real system with real data, and support continues after go-live.

Runs on your own server if you want it to. Internet in Tanzania is not guaranteed. Systems can be installed on a machine at your premises so the business keeps working during an outage, syncing when the connection returns.

Frequently asked

Microfinance & Loan Management — questions we get

Does it support group lending?

Yes, with group formation, joint liability, guarantors and group meeting collections alongside individual loans.

Can it reconcile mobile money repayments automatically?

Yes, where the provider exposes a statement or API. Repayments are matched to the loan account and unmatched items are queued for review rather than silently dropped.

How is portfolio at risk calculated?

From days in arrears on the schedule, applied consistently across the book, with breakdowns by product, branch and loan officer.

We are a SACCOS. Is this appropriate?

Yes. Savings, shares and member records are supported alongside lending, sized for a SACCOS rather than a bank.

Related systems

Often deployed alongside

See every system we build →

Talk to us

Tell us what your business actually needs

Describe the process that is costing you time or money. We will tell you honestly whether software is the right answer, and what it would take.

Phone+255 781 115 402
Emailinfo@pitech.co.tz
LocatedDar es Salaam
ServingTanzania
WhatsApp us