Loan Management System for Microfinance & SACCOs in Ethiopia
Loan origination, disbursement, repayment schedules, savings and collections for microfinance institutions and savings and credit cooperatives.
Microfinance & loan management system
Microfinance institutions and SACCOs serve thousands of members with small, frequent transactions. MTX's loan management system automates the loan lifecycle while keeping every decision auditable.
Loan officers work from mobile-friendly screens in the field, and management sees portfolio quality and arrears in real time.
- 01Member & client onboarding
- 02Loan applications & appraisal
- 03Disbursement & repayment schedules
- 04Savings accounts
- 05Collections & arrears tracking
- 06Mobile-money repayments
Runs as an internal system for clients — screens are available to walk through on a call.
What's inside the loan management system.
- 01Member & client onboarding
- 02Loan applications & appraisal
- 03Disbursement & repayment schedules
- 04Savings accounts
- 05Collections & arrears tracking
- 06Mobile-money repayments
- 07Portfolio-at-risk reporting
- 08Maker-checker approvals
Designed for how Ethiopian organisations work.
ETB-native reporting
Ledgers, dashboards and exports are built around Ethiopian Birr and local fiscal periods from the first sprint — not retrofitted later.
Bilingual by default
Amharic and Afaan Oromoo interfaces, and integrations like Telebirr, are standard parts of the build, not a change request.
Built for the network you have
Sites and apps are tuned for low-bandwidth mobile connections, because that's what most of our users are actually on.
Compliance-aware by construction
Role-based access and full audit trails are part of the data model, not a feature bolted on before an audit.
Questions about the loan management system
Can members repay loans through mobile money?
Yes. Mobile-money repayments such as Telebirr can be integrated and reconciled against loan accounts automatically.
How we deliver it
Fintech & financial software
Loan management, digital lending, shareholder registries and payment-integrated platforms for financial institutions, SACCOs and investment companies.
Mobile app development
Android and iOS apps for marketplaces, booking, fintech and consumer products — built offline-first and published to Google Play and the App Store.
System integration & APIs
Connect payments, SMS, banking, accounting and legacy systems so data moves automatically instead of being re-keyed by hand.
Explore other platforms
HR & payroll system
Employee records, attendance, leave and payroll with Ethiopian income tax and pension deductions built in.
Inventory & point of sale system
Stock control across warehouses and branches, point of sale, purchasing and sales reporting for retailers and distributors.
Multi-vendor e-commerce marketplace
Retail, wholesale and neighbourhood-storefront shopping in one marketplace app, with vendor management and live order tracking.
See the loan management system in action.
Book a walkthrough with the engineers who build it. We'll show the modules that matter to you and give you a scope and price range.