Getting Started
Sign in, open your organization and branch, and find your way around the staff app.
Read guideDocumentation
Adili Documentation
Guides for SACCOS, microfinance and VICOBA teams: daily operations, reporting and setup.
Getting started
Setting Up an Organization
Create the organization and its head office, choose a plan and add the funding account you pay loans from.
Read guideRoles and Permissions
What an owner, admin, branch manager, loan officer, assessment officer, cashier and viewer may each do, and how to invite staff.
Read guidePhone Sign-in
Sign in with a phone number and an SMS code, with no password.
Read guideFirst-Day Tutorial
A guided walkthrough of your first day as a branch operator.
Read guideDashboard Overview
Learn how to navigate the branch dashboard and understand each section.
Read guideLending
Loan Lifecycle
The whole road of a loan, from registering the borrower to the last repayment, write-off or top-up.
Read guideBorrowers and KYC
Register borrowers with full KYC, next of kin and payout accounts, and keep their identity documents current.
Read guideLoan Products
Set pricing, fees, add-ons, late-payment rules and the requirements every loan of a product must meet.
Read guideRequired Documents
Choose the documents a product needs, upload them with expiry dates, and read the checklist on each loan.
Read guideLoans: Create, Submit and Disburse
Create a loan, add its security, send it for approval and record the payout.
Read guideCost of Credit
Show the full cost of a loan and give the borrower a key facts statement before disbursement.
Read guideCredit Reports
Request a credit report with the customer's consent and retain the decision record.
Read guideField Assessment
Send a loan for a field visit, record findings and evidence, and complete the assessment with a recommendation.
Read guideApprovals (Maker-Checker)
Approve, reject or send back requests, and set who may check each action.
Read guideEdit and Resubmit a Loan
Change a draft or returned loan, give the reason, and send it back for approval.
Read guideRepayments
Record repayments from the loan page, check the new balance and reverse a mistake.
Read guidePayoff and Prepayment
Quote today's payoff on a microfinance loan and record a full or partial prepayment.
Read guideLoan Top-Up
Lend more to a borrower who is still repaying: one new loan that settles the old one.
Read guideWrite-Off and Recoveries
Write off a loan that will not be repaid, then record and correct what is recovered later.
Read guideMoney and controls
Finance and Statements
Read the balance sheet, download financial statements, and correct entries with journals.
Read guideCredit Wallet and Accounts
Top up the service credits that pay for SMS and credit reports, set a low-balance alert, and manage funding accounts.
Read guideBank Reconciliation
Match a bank statement to Adili transactions and resolve differences.
Read guideSACCOS
Members
Register members, collect the entrance fee, record nominees, and suspend or exit a member.
Read guideMember Requests
Decide the nominee changes and exit requests members send from the member app.
Read guideSavings Accounts
Open voluntary savings, post deposits and withdrawals, and print a member's statement.
Read guideContributions
Set contribution plans, record payments against dues, notify members and waive with a reason.
Read guideMeetings, RSVP and Votes
Schedule meetings, see who will attend, run the register and votes, and file the minutes.
Read guideLeadership
Assign board and committee seats, fill vacancies and end terms.
Read guideSavings interest
Pay a rate on member savings, accrued daily and posted to the ledger.
Read guideFunds & equity
The funds surplus is set aside in, and the statement of changes in equity.
Read guideSurplus & Member Returns
Distribute the year's surplus as dividends on shares and a profit-based bonus on savings.
Read guideMember Portal
How members sign in on the web to see their savings, loans, documents and meetings, and reply to invitations.
Read guideVICOBA
VICOBA
The community microfinance group edition: cycle, meetings, shares and share-out.
Read guideCycle and Shares
Open a savings cycle, set the share price and record share purchases.
Read guideMeetings and the Cash Box
Open the cash box at the meeting, record shares, fund contributions, fines and repayments, then count and close.
Read guideSocial Fund
Contributions, grants and interest-free loans from the group's social fund.
Read guideFines
Keep the fine schedule, assess fines at the meeting, collect them in cash or waive them with a reason.
Read guideGroup Lending
The rules for lending inside a cycle: one loan at a time, no borrowing with a fine, a share-based ceiling.
Read guideShare-Out
Close the cycle: calculate each member's share, record the resolution, post, and pay out or roll over.
Read guideCompliance
Reporting Calendar
Track every statutory deadline, get reminders, and record what you submitted.
Read guideReports
Find a report, set its period and branch, download it, and know who may run it.
Read guideExcel Exports and Personal Data
Which lists can be downloaded to Excel, who may do it, and how to handle the files.
Read guideComplaints
Log complaints, keep the interaction log, meet the deadlines and send the monthly Form No. 2.
Read guideCompliance Settings
Set the organization type, licence and tax details that drive the calendar and reports.
Read guideAdministration
Analytics
Review disbursements, collections, overdue loans, and branch performance.
Read guideSettings
What each settings page holds and who can see it.
Read guideBranches
Add and edit branches, and understand what each branch scopes.
Read guidePlan and Billing
See your plan and allowances, renew or change the plan, and pay from the web or the app.
Read guideActivity Log
A day-grouped timeline of what changed, filtered by area, source and result.
Read guideIntegrations
Issue API keys and webhook endpoints, and link to the API reference.
Read guideSupport
Know where to ask for help and which details make a problem easier to diagnose.
Read guideMobile apps
Staff Mobile App
Sign in to the Adili app, switch workspace, and do field and counter work from your phone.
Read guideMember Mobile App
What members can do in the Adili app: loans, savings, payments, meetings and requests to the office.
Read guideApp Lock and Security
Protect the app with a PIN or fingerprint, sign out lost devices, and keep your web account safe.
Read guidePartners
Onboard a Customer
Create the organization, add users with temporary passwords, and choose a plan or trial.
Read guidePayment Link or Pay on Behalf
Send a link the customer pays at full price, or pay for them with your share taken off.
Read guideRenewals and Customer Health
See plans ending, trials and customers who need help; renew on behalf or remind them.
Read guideCommission and Payouts
Add a payout account, request a cashout, and download your monthly statement.
Read guideYour Partner Team
Invite teammates, give them customers to look after, and share your referral link.
Read guideRecommended reading order
- Confirm access, branch context and your organization type.
- Follow the guides for your edition: Lending for microfinance, SACCOS for cooperatives, VICOBA for groups.
- Set up compliance so the reporting calendar and reports are complete.
- Use the first-day tutorial to rehearse a full branch day.
- Finish with administration: analytics, settings and integrations.
- Field staff: install the Adili mobile app and set an app PIN.