Microfinance
Microfinance
The Microfinance for underbanked mases
FiNJANTA by FiNASAL is a purpose-built Microfinance Banking System designed to empower institutions with a comprehensive, modular, and scalable digital infrastructure. Tailored to meet the operational, regulatory, and financial needs of microfinance banks, MFIs, and community-based financial organizations, FiNJANTA provides end-to-end automation, deep reporting capabilities, and seamless financial inclusion tools — all under one platform.
Dashboard for Real-Time Monitoring
The FiNJANTA dashboard offers a holistic view of microfinance operations at a glance. Key indicators include:
Disbursements & Recoveries: Real-time monitoring of loan disbursements and repayments.
Online User Tracking: Active session and access logs.
Expired CNIC Alerts: Auto-detection of expired identity documents.
Attempted Transaction Reports: Flags failed or suspicious transactions for security oversight.
Geographic & Institutional Definitions
FiNJANTA allows users to set and manage detailed geographical and institutional hierarchies including:
Branch, Regional Office, District, Tehsil, Union Council, and Village Definitions.
Application Relations, Business Types, and Educational Levels for demographic and economic profiling.
Institutional Setup & Global Settings for flexible multi-organizational deployment.
This hierarchy ensures precise client targeting, reporting accuracy, and operational scalability in diverse regions.
Advanced Configuration & Compliance Settings
Through its Settings module, FiNJANTA gives administrative control to:
Define products, donor cycles, and quarter phases.
Manage user rights, transaction modifications, and credit officer controls.
Track AML certifications, approval workflows, holiday calendars, and geo-tracking for field teams.
Integrated database management ensures data integrity and backup security.
Comprehensive Client Management
The Client Info module provides an in-depth lifecycle of customers:
Handle group and subgroup registrations.
Manage risk lists (white/black), loan utilization tracking, and bad debt monitoring.
Transfer clients between groups and maintain clean records across branches.
Case Management & Loan Origination
The Case module streamlines the journey from application to approval:
Submit cases, track them via XPIN, and access complete case histories.
Attach guarantors, assign credit officers, and configure special approvals.
Real-time loan tracking ensures every stage of the case lifecycle is transparent and actionable.
Loan Disbursement & Recovery
FiNJANTA simplifies core financial operations:
Configure and post loan disbursements, refunds, and repayment schedules.
Manage recoveries, bulk recovery entries, and client write-offs under a controlled, auditable environment.
Financial & MIS Reporting
With powerful built-in and custom reporting tools, FiNJANTA delivers:
MIS & FIS Reports to meet donor, internal, and regulatory requirements.
A flexible Report Builder for institution-specific KPIs and dashboards.
Savings & Deposits
In addition to loans, the platform supports:
Savings Deposits & Withdrawals tracking for member financial inclusion.
Real-time balance sheets and transaction history across clients and branches.
Integrated Financial Management
FiNJANTA connects front-end operations with back-office finance:
Voucher Management: Create, modify, and audit vouchers.
GL (General Ledger) Management: Multi-branch & HO integrations, cross-GL validations, fund transfers, and budget control.
Aligns with standard accounting practices for seamless audits and transparency.
Security, Compliance & User Management
FiNJANTA ensures data security with:
Multi-layered user access controls.
Real-time audit logs.
Role-based permissions for every module.
Compliance integrations including AML, KYC, and regulatory audits.
Why FiNJANTA?
✔️ Built for Microfinance
✔️ Fully Configurable & Scalable
✔️ Geo-Mapped for Outreach Monitoring
✔️ Robust Loan & Risk Management
✔️ Detailed Financial & Institutional Reports
✔️ Secure, Auditable, and Field-Ready
Transform Your Microfinance Operations with FiNJANTA
Whether you’re a small lending organization or a fully-fledged microfinance bank, FiNJANTA empowers your teams with intelligent tools to expand outreach, improve recovery rates, ensure compliance, and drive financial inclusion at scale.