Apparent Microfinance Manager

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Apparent Microfinance Manager is a line of business application for Microfinance.

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Apparent Microfinance Manager

  1. 1. Apparent Microfinance Manager www.apparent.co.in
  2. 2. About Us <ul><li>Profile : </li></ul><ul><li>Apparent Infotech is a private limited company founded by expert bankers and cross functional software professionals who have vast experience in development and implementation of the banking application software with its Head Quarters and Development center in Chennai, India. </li></ul><ul><li>Objective : </li></ul><ul><li>To empower our clients with enterprise class software and services to improve operational efficiency, and provide a competitive edge and a persistent value-add. </li></ul>
  3. 3. Technology Partners <ul><ul><li>Associate Partner of Sun Partner program </li></ul></ul><ul><ul><li>Member of Microsoft Partner Program </li></ul></ul><ul><ul><li>Member of Intel Software Partner Program </li></ul></ul>
  4. 4. Apparent MFM- Overview <ul><ul><li>Microfinance Manager </li></ul></ul><ul><ul><ul><li>Microfinance Manager is a line-of-business application developed to address the operational and MIS needs of Micro Finance Institutions (MFI). </li></ul></ul></ul><ul><ul><ul><li>It that supports both SHG and JLG model. </li></ul></ul></ul><ul><li>Enabler: </li></ul>Apparent MFM- Overview Windows Mobile Web
  5. 5. Key Features <ul><ul><li>Simple User Interface </li></ul></ul><ul><ul><li>Integrated Financial Accounting </li></ul></ul><ul><ul><li>Comprehensive Reports </li></ul></ul><ul><ul><li>Flexible deployment options </li></ul></ul>Microfinance Manager
  6. 6. Application Architecture Data Access Layer Business Logic Layer Windows Web Web Services Database Mobile Client Logging ADO.Net WinForms ASP.Net .Net CF QT Business Objects MySQL MS SQL Oracle
  7. 7. Modules <ul><ul><li>The software functionalities are grouped into various modules for ease of use and flexibility of deployment. </li></ul></ul>
  8. 8. Customer Management <ul><li>The customer information is maintained under the hierarchical structure of branch, cluster, group and member. Demographic information is maintained in the member level. Group ID and Member ID are auto-generated with check digit is used both. This module provides the following functionality </li></ul><ul><ul><ul><li>Multi-level organization maintenance </li></ul></ul></ul><ul><ul><ul><li>Field Assistant / Promoter maintenance </li></ul></ul></ul><ul><ul><ul><li>Group/ Member maintenance </li></ul></ul></ul><ul><ul><ul><li>Re-Organize group </li></ul></ul></ul><ul><ul><ul><li>Family survey to capture the members’ social status </li></ul></ul></ul><ul><ul><ul><li>Grading of groups with points system </li></ul></ul></ul><ul><ul><ul><li>Meeting registry </li></ul></ul></ul>
  9. 9. Loan Portfolio Management <ul><ul><ul><li>Flexible loan product setup allows creation of multiple products </li></ul></ul></ul><ul><ul><ul><li>Loan can be granted to group or member </li></ul></ul></ul><ul><ul><ul><li>Repayment calculation can be defined in the product level </li></ul></ul></ul><ul><ul><ul><ul><li>Fixed Instalment </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Fixed Principal </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Flat Rate </li></ul></ul></ul></ul><ul><ul><ul><li>Foreclosure and Write-off provides end-to-end process management </li></ul></ul></ul><ul><ul><ul><li>MIS Reports with flexible selection criteria </li></ul></ul></ul><ul><ul><ul><ul><li>Portfolio at Risk </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Delinquent Loan </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Loan Portfolio Summary </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Loan Statement </li></ul></ul></ul></ul>
  10. 10. Savings Management <ul><li>Customer’s saving bank accounts are maintained and processed in this module. Savings products like savings account and Recurring Deposit (RD) can be defined. An account can be either linked to a group or a member. This module provides the following functionality </li></ul><ul><ul><ul><ul><li>Saving account maintenance </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Account can be linked to group or member </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Deposit Transaction </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Withdrawal Transaction </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Monthly statement </li></ul></ul></ul></ul>
  11. 11. Collection Management <ul><li>Collection module integrated with the other modules simplifies collection entry and provides the functionality required to manage the collection process end to end in disconnected mode. Receipts can be generated in local languages. </li></ul><ul><ul><ul><ul><ul><li>Demand collection </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Batch collection entry </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Fee/ Charges collection </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Remittance transaction </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Banking reconciliation </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Demand Vs Collection report </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>DCB report </li></ul></ul></ul></ul></ul>
  12. 12. Financial Accounting <ul><ul><ul><ul><ul><li>Integrated with other modules reduces data entry </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Journal entry function for capturing other financial transactions </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Reports </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Income Statement </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Balance Sheet </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Financial Ratios </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Highlights Report </li></ul></ul></ul></ul></ul>
  13. 13. Functionalities- Summary <ul><li>Open Saving Acc. </li></ul><ul><li>Deposit </li></ul><ul><li>Withdrawal </li></ul><ul><li>Close Saving Acc. </li></ul><ul><li>Statement </li></ul><ul><li>Products </li></ul><ul><li>Demand Collection </li></ul><ul><li>Edit Collection </li></ul><ul><li>Remittance </li></ul><ul><li>Process Collection </li></ul><ul><li>Bank Reconciliation </li></ul><ul><li>Demand Report </li></ul><ul><li>Collection Report </li></ul><ul><li>Remittance Report </li></ul><ul><li>Demand vs. Collection </li></ul><ul><li>Batch Collection </li></ul><ul><li>DCB Collection </li></ul><ul><li>Application Entry </li></ul><ul><li>Edit Application </li></ul><ul><li>Collateral </li></ul><ul><li>Disbursement </li></ul><ul><li>Repayment </li></ul><ul><li>Balloon Payment </li></ul><ul><li>Fore Closure </li></ul><ul><li>Reschedule </li></ul><ul><li>Write-off </li></ul><ul><li>Statement </li></ul><ul><li>Delinquency Report </li></ul><ul><li>Portfolio Report </li></ul><ul><li>PAR Report </li></ul><ul><li>Products </li></ul><ul><li>Group Maintenance </li></ul><ul><li>Family Survey </li></ul><ul><li>Document Verification </li></ul><ul><li>Grading Group </li></ul><ul><li>Meeting Registry </li></ul><ul><li>Re-organize Groups </li></ul><ul><li>Group Listing Report </li></ul><ul><li>Group Without Loan </li></ul><ul><li>Group Formation Report </li></ul><ul><li>Group Closed Report </li></ul><ul><li>Journal Entry </li></ul><ul><li>Print Ledger </li></ul><ul><li>Income Statement </li></ul><ul><li>Balance Sheet </li></ul><ul><li>Financial Ratio </li></ul><ul><li>Highlights Report </li></ul><ul><li>Ledger Creation </li></ul>
  14. 14. Our Customers <ul><ul><ul><ul><ul><li>Madura Micro Finance Limited, Chennai </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Sanghamithra Rural Financial Services, Bangalore </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Society for Poor People Development, Trichy </li></ul></ul></ul></ul></ul>

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