Borrower profile
Date of birth, national ID, nationality, contacts and employment and, for businesses, the registration number, date and TIN.
For microfinance providers
Lending run in the open, from quote to closure.
Borrowers, products, approvals, disbursements, repayments and the Bank of Tanzania returns, with the disclosures borrowers are owed, in English and Kiswahili.
01
Borrowers and KYC
One record per borrower, complete enough to lend on.
Guarantors
Guarantors with date of birth and nationality, attached to the loans they secure.
Collateral
Security pledged with owner, estimated value and status, listed in the collateral register.
Document language
Loan documents follow the organization's language unless a borrower asks for Kiswahili or English.
KYC completeness
A report of borrowers with each required due diligence field present or missing.
02
Loan products
Products that price loans the way your policy says.
Terms and limits
Interest method and rate, minimum and maximum term, repayment frequency, fees and amount limits.
Reducing-balance notice
Products that still use flat interest show a notice, with a switch to reducing balance for new loans.
Debt recovery charges
Charges the loan agreement discloses, fixed or a percentage of the overdue amount, kept on each loan.
Early settlement fee
An optional fee with required disclosure wording, and a warning that it is not recommended.
Product insight
A twelve-month origination trend and portfolio figures on each product.
03
Origination and approvals
Every loan checked before it is approved.
Quotes
Price a loan with its full schedule before the borrower applies.
Term checks
Terms outside the product's minimum and maximum are refused, and schedules start on the business date.
Maker-checker approvals
Approval policies with thresholds, quorum and named makers and checkers, and no one checks their own request.
Approval queue
Checkers see the oldest requests first, with the decision they came to make.
04
Cost of credit and disclosure
Borrowers see what a loan really costs before they sign.
Effective annual rate
The nominal and effective annual rate including all fees, from what the borrower receives against the instalments.
Key facts statement
A PDF in Kiswahili or English with rates, fees, totals, the schedule, recovery terms, prepayment rights, security and complaints contacts.
Every fee and total
Each fee and when it is charged, insurance, total interest, total cost of credit and the cost of each instalment.
Rates and fees notice
A bilingual notice of every product's rates, fees and penalties for the quarterly and annual publications.
05
Disbursements
Payouts recorded exactly as staff made them.
Every payout method
Cash, cheque, bank transfer and mobile money, posted immediately and activating the loan.
Source account and balance
Pay out from a funding account with its available balance shown.
Recipient details
Bank name, BIC, account holder and number, or mobile number and registered name, prefilled from the borrower.
Reference and proof of payment
A transaction reference, cheque or receipt number, and an optional slip stored privately with the payout.
06
Repayments and servicing
Collections recorded against the schedule, with nothing lost.
Repayments and receipts
Record payments with method and reference, see how each was allocated, and show the borrower's record behind the receipt.
Payoff quotes
Today's payoff: principal, interest due, interest accrued to today, fees and penalties.
Prepayment
Shorten the term or lower the instalments, with a live preview of the remaining schedule and the interest saved.
Reversals
Reverse a repayment through maker-checker, and the schedule is restored.
Loan workspace
A loan page with its terms, schedule position, collections against expected, security and activity.
07
Collections and recovery
Arrears followed up fairly and on record.
Arrears
Overdue instalments and days past due on every loan, feeding portfolio at risk.
Written notice first
Record written notice, then apply a recovery charge no sooner than fourteen days later.
Charges through approval
Recovery charges go through maker-checker, can be reversed while uncollected, and count as revenue when collected.
Borrower reminders
Borrower SMS and email notifications, paid from your credits.
08
Portfolio and analytics
See the portfolio the way the board and the Bank of Tanzania do.
Analytics
Disbursements, collections, overdue loans and branch comparisons from the same records.
Portfolio at risk and aging
PAR 1, 30 and 90, loans by days past due, and the monthly trend.
Classification and provisioning
Loans in the GN 679 classes with the minimum provision, a past-due loan counting in its entirety.
Money lender threshold
An individual money lender above TZS 200m or 100 borrowers is flagged on the home screen.
09
Finance
Books that balance, behind every loan.
Double-entry ledger
Every disbursement, repayment and fee posts to the chart of accounts in the same transaction.
Funding accounts
Branch funding accounts with posted and available balances.
Bank reconciliation
Import a bank statement, map its columns and match lines to repayments and disbursements, on the Scale plan.
Transaction explorer
Filter ledger transactions by account, type and date across the branch.
10
Know what is due, and hand it in on time.
The reporting calendar tracks every statutory deadline, and the system prepares the reports from the records you already keep.
Reporting calendar
Every obligation generated twelve months ahead from your licence and financial year, with dates moved off weekends and public holidays.
Reminders before each deadline
Email at 14, 7 and 1 days before and when overdue, optional SMS, and a notice on the home screen.
Submissions on record
Owners and admins record the date, reference and the regulator's acknowledgement for each return.
Complaints register
A registration number on receipt, 14-day and 48-hour due dates, Bank of Tanzania referrals and the monthly Form No. 2.
Bank of Tanzania schedules
Classification and provisioning on the GN 679 classes, the rates and fees notice, portfolio at risk, restructured loans and KYC completeness.
Compliance settings
BoT licence, TIN, VRN, BRELA number, return cadence and rates publication decide which deadlines appear and when.
Reports the system prepares
Reports open on screen with period and branch filters and download as PDF and Excel, headed with your institution, licence and period.
- Loan classification and provisioning schedule
- Interest rates, fees and charges
- Ten largest loans
- Portfolio at risk and aging
- Loan portfolio listing
- Collateral register
- Restructured loans
- Individual money lender threshold check
- KYC completeness
- Trial balance
- General ledger detail
- Income statement
- Balance sheet
- Reporting calendar
- Monthly complaints report (Form No. 2)
- Key facts statement for each loan
Deadlines on the calendar
- Monthly complaints report to the Bank of Tanzania
- Publication of interest rates, fees and charges, and its report to the Bank
- Audited financial statements to the Bank of Tanzania
- Monthly loan classification and provisioning
- Bank of Tanzania periodic return, once you record its schedule
- Withholding tax, PAYE, SDL, VAT and income tax to TRA
- NSSF and WCF contributions
- BRELA annual return
Included for every institution
- Branches, with an all-branches view for owners and admins
- Staff sign-in with a phone number and an SMS code
- Maker-checker approvals with named makers and checkers
- A double-entry ledger behind every posting
- Audit history of who did what and when
- Reports as PDF and Excel downloads
- SMS and email paid from a prepaid credit wallet
- English and Kiswahili throughout
- Bank reconciliation on the Scale plan
Move your lending onto Adili.
Set up your first branch and loan products, then bring in borrowers. Microfinance and SACCOS plans cost the same.