Digital Banking

Loan Management System

Origination, disbursement, repayment and collections in one system.

Our loan management system covers the full lending lifecycle: application and scoring, approval workflow, disbursement, repayment schedules, arrears management and collections.

It is built for Zimbabwean lenders — microfinanciers, SACCOs, salary-based lenders and asset financiers — and it disburses and collects over the same payment rails as the rest of our platform.

What you get

Configurable products

Define interest methods, fees, tenors and penalties per product without a code change.

Workflow-driven approvals

Multi-stage approval with limits by role, and a complete audit trail on every decision.

Disbursement and collection

Disburse to wallets or bank accounts and collect by debit order, wallet or salary deduction.

Arrears and provisioning

Automated ageing, arrears classification and provisioning reports for management and regulators.

TRUSTED BY BUSINESSES ACROSS INDUSTRIES

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Frequently asked questions

Can it handle salary-based lending?

Yes. The system supports salary-deduction lending alongside conventional term loans, asset finance and group lending products.

Can borrowers repay through mobile money?

Yes. Repayments can be collected through wallets, bank debit orders and our payment rails, and are matched to the loan automatically.

Ready to get started with Loan Management System?

Tell us what you are building and we will walk you through pricing, integration and timelines.

Loan Management System for Zimbabwe Lenders | Jugaad