LUMO Microfinance System — Abawei Technologies

8.3%

TZS 2.4B

Active Loan Portfolio

12%

1,284

Active Clients

5.1%

847

Active Loans

1.2%

3.8%

Portfolio At Risk (PAR30)

6.7%

TZS 480M

Total Savings Deposits

9.4%

TZS 68M

Today's Collections

Disbursements vs Collections

Monthly performance — 2024

Portfolio Mix

Recent Activity

Today

Fatuma Amina repaid loan installment · LN-2024-0847

09:14 AM via Cash

+150,000

Joseph Mwangi applied for Business Loan

09:02 AM · APP-2024-0392

500,000

Mama Lishe Group savings deposit · SV-0092

08:45 AM via Cash

+75,000

Ahmed Salim loan overdue — 15 days

08:30 AM · LN-2024-0812

−200,000

Grace Wanjiku registered as new client

08:10 AM · CL-2024-1284

New

Pending Approvals

8 Pending

Client	Amount	Type
Zawadi Otieno	800,000	Business
Peter Kiprotich	1,500,000	Agri
Neema Juma	300,000	Emergency
Hassan Omar	2,000,000	Asset

Group Lending — Village Banking

42 Active Groups

Group Name	Members	Meeting	Cycle	Total Loans	Savings	Status
Mama Lishe Women Group	24	Monday	Cycle 4	3,600,000	480,000	Active
Vijana Wajasiriamali	18	Wednesday	Cycle 2	1,800,000	210,000	Active
Nguvu Farmers Cooperative	35	Friday	Cycle 6	8,750,000	1,200,000	Active
Biashara Ndogo Group	12	Tuesday	Cycle 1	720,000	90,000	New
Dhamana Women SACCO	50	Thursday	Cycle 8	15,000,000	3,400,000	Active

847

Active Loans

TZS 2.4B

Outstanding

32

Overdue Loans

94.2%

Repayment Rate

Loan ID	Client	Product	Principal	Outstanding	Next Due	Progress	Status

#	Due Date	Principal	Interest	Installment	Balance	Paid Date	Status
1	15 Jan 2024	157,459	25,000	182,459	842,541	14 Jan 2024	Paid
2	15 Feb 2024	161,396	21,064	182,460	681,145	15 Feb 2024	Paid
3	15 Mar 2024	165,431	17,029	182,460	515,714	15 Mar 2024	Paid
4	15 Apr 2024	169,567	12,893	182,460	346,147	—	Due
5	15 May 2024	173,806	8,654	182,460	172,341	—	Pending
6	15 Jun 2024	172,341	4,308	176,649	0	—	Pending

Voluntary Savings

TZS 248M

1,140 accounts

Manage

Fixed Deposits

TZS 145M

187 accounts

Manage

Group Savings

TZS 72M

42 groups

Manage

Children's Savings

TZS 15M

310 accounts

Manage

Recent Savings Transactions

Account	Client	Type	Amount	Balance	Date
SV-0092	Mama Lishe Grp	Deposit	+75,000	480,000	Today 08:45
SV-0284	Grace Wanjiku	Withdraw	−30,000	125,000	Today 07:30
SV-0109	Peter Kiprotich	Deposit	+50,000	310,000	Yesterday
SV-0047	Neema Juma	Interest	+4,200	184,200	1 Apr 2024

Interest Rates

Voluntary Savings4.0% p.a.

Fixed Deposit (12M)8.5% p.a.

Group Savings5.0% p.a.

Children's Savings6.0% p.a.

Teller Window — Post Transaction

Window Open

Transaction Type

Client / Account

Payment Method

Reference #

Amount (TZS)

182,460

Today’s Transactions

Total: TZS 68,420,000

Time	Client	Type	Method	Amount	Teller

Receipt Preview

LUMO

Microfinance System · Abawei Technologies

Mbezi Beach, Dar es Salaam

TXN-2024-00492

ClientFatuma Amina

AccountLN-2024-0847

TypeLoan Repayment

MethodCash

Date

TellerJohn Mtambo

AMOUNTTZS 182,460

Thank you for your payment
Keep this receipt for your records

General Ledger — Chart of Accounts

Account NameDebitCreditBalance

ASSETS

1001 — Cash on Hand

48,500,000

31,200,000

17,300,000

1002 — Cash at Bank (NMB)

180,000,000

95,000,000

85,000,000

1101 — Loans Receivable

2,450,000,000

42,000,000

2,408,000,000

1102 — Interest Receivable

22,400,000

6,800,000

15,600,000

LIABILITIES

2001 — Client Deposits

12,000,000

480,000,000

(468,000,000)

2002 — Borrowings

5,000,000

150,000,000

(145,000,000)

INCOME

4001 — Interest Income

—

45,000,000

4002 — Loan Processing Fees

—

3,200,000

EXPENSES

5001 — Staff Salaries

8,500,000

—

8,500,000

5002 — Loan Loss Provision

2,200,000

—

2,200,000

Code	Account Name	Debit	Credit
1001	Cash on Hand	17,300,000	—
1002	Cash at Bank	85,000,000	—
1101	Loans Receivable	2,408,000,000	—
2001	Client Deposits	—	468,000,000
4001	Interest Income	—	45,000,000
5001	Staff Salaries	8,500,000	—
TOTALS	2,518,800,000	513,000,000

Portfolio At Risk (PAR30)

Current month analysis

3.8%

Within acceptable range

Industry benchmark: <5% | Your rate: 3.8%

TZS 91.2M at risk across 847 active loans

Collections Performance

Key Performance Indicators

94.2%

Repayment Rate

1,284

Active Clients

2.4B

Portfolio (TZS)

3.8%

PAR30

62%

Operational Self-Suff.

30.4M

Q1 Net Profit (TZS)

System Notifications

Loan Overdue — Ahmed Salim

LN-2024-0812 is 15 days overdue. Amount: TZS 200,000. Action required.

10 min

Loan Application Approved

Zawadi Otieno’s business loan of TZS 800,000 has been approved.

32 min

M-Pesa Payment Received

TZS 150,000 received from Fatuma Amina via M-Pesa for loan repayment.

1 hr

New Client Registered

Grace Wanjiku (CL-2024-1284) registered by Loan Officer Sarah Kibwana.

2 hr

End-of-Day Report Ready

Daily report for 14 April 2024 generated. Total transactions: TZS 68M.

Yesterday

Data Sync Completed

47 offline records from field officers synced successfully.

Yesterday

SMS Reminder Queue

Client	Phone	Message	Status
Ahmed Salim	+255 754 XXX	Loan overdue — TZS 200,000	Queued
Fatuma Amina	+255 622 XXX	Payment due 15 Apr — TZS 182,460	Sent
Peter Kiprotich	+255 712 XXX	Loan TZS 1.5M approved for disbursement	Sent

0

Total Entries

Logins Today

0

Loan Actions

0

Transactions

Audit Trail

Complete tamper-evident activity log

Action Detail

Time User

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Organisation

Users & Roles

Branches

Loan Products

Mobile Money

Backup & Sync

Security

About

Organisation Identity

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Tax / TIN

Founded Year

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Regulatory & Compliance

Regulatory Body

License Number

License Expiry

Reporting Currency

Financial Year End

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Brand Identity Assets

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LUMO Microfinance Ltd.

TZS 2.4B

Portfolio

1,284

Clients

94.2%

Repayment

Add New User

Full Name

Username

Role

Branch

Password

Status

System Users

All staff accounts and access levels

Name	Username	Role	Branch	Last Login	Status
Super Admin	admin	Super Admin	All Branches	Today 08:01	Active
John Mtambo	j.mtambo	Teller	Mbezi Branch	Today 08:15	Active
Sarah Kibwana	s.kibwana	Loan Officer	Mbezi Branch	Today 08:22	Active
Peter Odhiambo	p.odhiambo	Loan Officer	Kinondoni	Yesterday	Active
Mary Ndege	m.ndege	Accountant	Mbezi Branch	Today 09:05	Active

Role Permissions Matrix

Permission	Super Admin	Branch Mgr	Loan Officer	Teller	Accountant	Auditor
Approve Loans	Yes	Yes	No	No	No	No
Register Clients	Yes	Yes	Yes	No	No	No
Post Transactions	Yes	Yes	No	Yes	No	No
View Reports	Yes	Yes	Branch	No	Yes	Yes
System Config	Yes	No	No	No	No	No
Manage Users	Yes	Branch	No	No	No	No
Audit Trail	Yes	Yes	No	No	Yes	Yes

Account	Description	Debit (TZS)	Credit (TZS)

Cash & Bank	102,300,000
Loans Receivable (Net)	2,395,200,000
Fixed Assets	45,000,000
Other Assets	8,400,000
Total Assets	2,550,900,000

Client Deposits	480,000,000
Borrowings	145,000,000
Other Liabilities	12,500,000
Share Capital	1,800,000,000
Retained Earnings	113,400,000
Total L & E	2,550,900,000

INCOME
Interest Income on Loans	45,000,000
Loan Processing Fees	3,200,000
Penalty Income	840,000
Total Income	49,040,000
EXPENSES
Staff Costs	8,500,000
Interest on Deposits	4,800,000
Loan Loss Provision	2,200,000
Operating Expenses	3,140,000
Total Expenses	18,640,000
Net Profit	30,400,000

Product	Min	Max	Rate p.m.	Max Term	Method	Status
Business Loan	100,000	50,000,000	2.5%	36 mo	Declining	Active
Agricultural Loan	200,000	20,000,000	2.0%	18 mo	Declining	Active
Women Empowerment	50,000	5,000,000	1.8%	24 mo	Flat	Active
Emergency Loan	50,000	1,000,000	3.5%	6 mo	Flat	Active
School Fees Loan	100,000	3,000,000	2.2%	12 mo	Declining	Active
Asset Financing	500,000	100,000,000	2.8%	60 mo	Declining	Active
Youth Loan	30,000	2,000,000	1.5%	12 mo	Flat	Active

Branch Name	Code	Manager	Phone	Clients	Status	Actions
Mbezi Beach (HQ)	MBZ-001	Super Admin	+255 22 XXX XXXX	847	Active
Kinondoni	KND-002	Peter Odhiambo	+255 22 YYY YYYY	437	Active

Product	Min Balance	Interest Rate	Withdrawal	Status
Voluntary Savings	0	4% p.a.	Anytime	Active
Fixed Deposit	500,000	8% p.a.	At Maturity	Active
Children Savings	1,000	5% p.a.	Guardian Only	Active
Group Savings	5,000	4.5% p.a.	Group Decision	Active

Africa's Offline-First Microfinance Platform

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Disbursements vs Collections

Portfolio Mix

Recent Activity

Pending Approvals

Group Lending — Village Banking

Loan Application Form

Loan Calculator

Repayment Schedule — Fatuma Amina

Business Loan

Agricultural Loan

Women Empowerment

Emergency Loan

School Fees Loan

Asset Financing

Recent Savings Transactions

Interest Rates

Teller Window — Post Transaction

Today’s Transactions

Receipt Preview

General Ledger — Chart of Accounts

New Journal Entry

Assets

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Profit & Loss — Q1 2024

Trial Balance — 15 April 2024

Portfolio At Risk (PAR30)

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Audit Trail

Organisation Identity

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Add New User

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Add New Branch

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