Microcredit Software: To optimize microcredit operations and in a view to promoting them to the advanced IT world, we have thought of a wonderful idea. We have developed the Semicolon Microcredit Solution – MATIR BANK to diminish the obstacles mentioned above and facilitate these organizations in an automated mode.

2. BEST MICROCREDIT SOFTWARE IN BANGLADESH
MICROCREDIT SOFTWARE: TO OPTIMIZE MICROCREDIT OPERATIONS AND IN A VIEW TO PROMOTING THEM TO THE
ADVANCED IT WORLD, WE HAVE THOUGHT OF A WONDERFUL IDEA.
WE HAVE DEVELOPED THE SEMICOLON MICROCREDIT SOLUTION – MATIR BANK TO DIMINISH THE OBSTACLES
MENTIONED ABOVE AND FACILITATE THESE ORGANIZATIONS IN AN AUTOMATED MODE.

3. MATIR BANK - MICROFINANCE MADE SIMPLE!

4. MICROCREDIT IN BANGLADESH
MICROCREDIT, WE CAN CALL THIS MICROLOAN AS WELL – THE IDEA IS SIMPLE ENOUGH: BY GIVING A VERY SMALL LOAN
TO SOMEONE LIVING IN A POOR COUNTRY, YOU COULD HELP THEM EXPAND A SMALL BUSINESS, WHICH WOULD LIFT
THEIR FAMILY OUT OF POVERTY. WHEN THEY PAY BACK THE LOAN, THE MONEY CAN BE CYCLED TO MORE BORROWERS,
GETTING MORE FAMILIES OUT OF POVERTY. ORGANIZATIONS OFFERING MICROCREDIT TO POOR BORROWERS — MANY
LIVING ON $2 OR LESS PER DAY — TOOK OFF IN THOSE DECADES.
INVESTORS AND DONORS POURED MONEY INTO MICROCREDIT, HUNDREDS OF ORGANIZATIONS OFFERED LOANS, AND
THE NUMBER OF BORROWERS WORLDWIDE SKYROCKETED TO 211 MILLION BY 2013. WE SHOULD SEE IT AS A WAY TO
EXPAND OPTIONS FOR POOR PEOPLE BY OFFERING MORE RELIABLE FINANCIAL SERVICES. EXTREMELY POOR PEOPLE
NEED THESE SERVICES JUST LIKE EVERYONE ELSE, AND THE AVAILABILITY OF CAPITAL TO DEAL WITH IRREGULAR AND
AT TIMES UNPREDICTABLE INCOMES IS A HUGE HELP TO THEM. THIS BENEFIT, ALONG WITH ITS IMPRESSIVE GROWTH
AROUND THE WORLD, ARGUABLY MAKES MICROCREDIT A SUCCESS.
ECONOMIST MUHAMMAD YUNUS AS WELL AS DR. FAZLE HASAN ABED HAS PLAYED A BIG ROLE IN SHAPING THE NEW
PERSPECTIVE. FEMALE EMPOWERMENT ALSO BECAME INTEGRAL TO THE STORY. MANY MICROCREDIT INSTITUTIONS
MADE IT A PRIORITY TO LEND TO GROUPS OF WOMEN (ABOUT 80 PERCENT OF MICROCREDIT BORROWERS ARE NOW
WOMEN).

5. MICROCREDIT SOFTWARE
TO DATE, MANY MICROCREDIT ORGANIZATIONS ARE OPERATING THEIR SERVICES AND CALCULATING MANUALLY,
TOPMOST THEY ARE USING MICROSOFT WORD FOR DOCUMENTATION AND EXCEL FOR SIMPLE CALCULATION. IT’S A
MATTER OF REGRET THAT IN THIS ADVANCING WORLD SUCH BRILLIANT AND HUMANITARIAN, AND MOST OF ALL SUCH
FINANCIAL, INSTITUTIONS ARE LEFT BEHIND OF THE ICT’S GROWTH AND ADVANCEMENT.
YES, THERE ARE “SOME TOO MANY” SOFTWARE REGARDING MICROCREDIT ON THE MARKET AT PRESENT, IN
BANGLADESH, IN INDIA AS WELL AS IN SOME OTHER COUNTRIES. THOUGH SOUTH ASIA IS THE CORE PLACE OF THE
MICROFINANCE SYSTEM IN THE WORLD, THERE ARE TOO MANY MICROCREDIT ORGANIZATIONS OUT OF LEAGUE HERE
DUE TO SOME OBSTRUCTIONS ON THE PATH OF ADVANCEMENT TO ICT HERE.

7. FINANCIAL ASPECT
MICROCREDIT INSTITUTIONS ARE FACING DIFFICULTIES IN GRASPING AUTOMATED SOFTWARE SYSTEMS MAINLY DUE TO
FINANCIAL ASPECTS. THE INSTITUTIONS RUN ON BORROWING VERY SMALL AMOUNTS TO PEOPLE AND RECYCLING THAT, SO
MOST OF THE TIME THEY CANNOT AFFORD SUCH ADVANCED SYSTEM AT A HIGH PRICE.
PORTABILITY
SUCH INSTITUTIONS FIND IT PROBLEMATIC IN TERMS OF PORTABILITY OF THE SYSTEM AS WELL AS PROBABLE DATA LOSS.
COMPLEXITY
THE NEXT PROBLEM THEY FACE IS THE DIFFICULTY IN OPERATION.
LIMITED FUNCTIONALITY
SOMETIMES THE SOFTWARE IS NOT A FULL-FLEDGED SYSTEM RATHER THEY ARE CHARGED DIFFERENTLY FOR MICROFINANCE
AS WELL AS OFFICE OPERATIONS AND OTHERS.
AUTOMATED ADVANCEMENT
THERE ARE MORE UNHEARD-OF OBSTACLES AND MOST OF ALL, MICROCREDIT INSTITUTIONS ARE NOT WELL AWARE OF
POSSIBILITIES THAT EXIST FOR THEM IN THE ICT WORLD FOR AUTOMATED ADVANCEMENT.
LIMITED FUNCTIONALITY
SOMETIMES THE SOFTWARE IS NOT A FULL-FLEDGED SYSTEM RATHER THEY ARE CHARGED DIFFERENTLY FOR
MICROFINANCE AS WELL AS OFFICE OPERATIONS AND OTHERS.

8. SEMICOLON MICROCREDIT SOLUTIONS | MATIR BANK
BEST MICROCREDIT SOFTWARE IN BANGLADESH: SEMICOLON IT SOLUTIONS, A SOFTWARE DEVELOPMENT COMPANY
LOCATED AT SHEIKH HASINA SOFTWARE TECHNOLOGY PARK, JASHORE, BANGLADESH OFFERS VARIOUS AUTOMATED
SOFTWARE SOLUTIONS TO FIELDS LIKE MICROCREDIT, SCHOOL MANAGEMENT, OFFICE ERP, GOVT. CASE MANAGEMENT,
GOVT. SEEDS MANAGEMENT AND THE EVERGREEN STOCK/INVENTORY AND POS SYSTEMS.
THEY ALSO PROVIDE WEBSITE AND E-COMMERCE DEVELOPMENT SERVICES, GRAPHIC DESIGN, AND DIGITAL MARKETING
SUPPORTS. NOT TO MENTION, WE PROVIDE BASIC TO ADVANCED TRAINING IN ICT TO THE YOUNG GENERATION.
MATIR BANK - BEST MICROCREDIT SOFTWARE IN BANGLADESH
TO OPTIMIZE MICROCREDIT OPERATIONS AND IN A VIEW TO PROMOTING THEM TO THE ADVANCED IT WORLD, WE
HAVE THOUGHT OF A WONDERFUL IDEA. WE HAVE DEVELOPED THE SEMICOLON MICROCREDIT SOLUTION TO
DIMINISH THE OBSTACLES MENTIONED ABOVE AND FACILITATE THESE ORGANIZATIONS IN AN AUTOMATED MODE.

9. BUDGET-FRIENDLY
USUALLY, MICROCREDIT SOFTWARE TAKES A LOT OF TIME AND LABOR TO PREPARE A FULL SOLUTION PACKAGE, SO THE
PRICE IS HIGH. HOWEVER, SEMICOLON IT SOLUTIONS HAS PREPARED THIS WITHIN A COUPLE OF MONTHS WITH SMART
LABOR. AS A RESULT, WE CAN PROVIDE THIS SOLUTION VERY FAST AND OF COURSE AT A PRICE LOWER THAN THE
OTHERS.
COMPLETE AUTOMATED SOLUTION
OURS IS A FULL-FLEDGED SOLUTION THAT INCLUDES A COMPLETE MICROCREDIT SYSTEM WITH PROPER ACCOUNTING
AND BANKING MODULES ALONG WITH A FULL-FLEDGED OFFICE MANAGEMENT SYSTEM THAT INCLUDES EMPLOYEE
MANAGEMENT, PAYROLL, ETC. AS WELL AS PROPER ACCOUNTING AND REPORT GENERATION MODULES. SO, TO SPEAK,
SEMICOLON MICROCREDIT SOLUTION IS A COMPLETE AUTOMATED SOLUTION TO ANY MICROCREDIT INSTITUTION.
SCALABILITY
ANY MICROCREDIT INSTITUTION. SMALL TO LARGE THE SCALING DOES NOT MATTER. IN SPITE OF SUCH PROVISION, OUR
TIME TAKEN FOR PRODUCTION IS LOW AND OUR COST OF PRODUCTION IS UNDER OUR CLIENT’S GRASP.
MODULARITY
OUR SOFTWARE IS A MODULAR ONE. WE CAN SET UP THIS FOR MULTIPLE BRANCHES OF THE SAME INSTITUTION AND
PROVIDE MAINTENANCE AND CONTROL FROM A SUPER ADMIN DASHBOARD.
CUSTOMIZABLE
THIS SOFTWARE IS PREPARED FROM THE SCRATCH MAKING IT USER-FRIENDLY, FULLY CUSTOMIZED TO CLIENT’S NEEDS
AND WE ARE VERY MUCH CAPABLE OF FURTHER CUSTOMIZING THIS IF THE NECESSITY ARISES AND CUSTOMER
DEMANDS.

10. PORTABILITY
SEMICOLON MICROCREDIT SOLUTION OFFERS THIS AUTOMATED SOLUTION ONLINE WITH THE SECURITY OF DATA. AS
BEING ONLINE AND WEB-BASED, CLIENTS CAN ACCESS THIS FROM ANYWHERE AND ANYTIME AND WITH THE HELP OF
ANY DEVICE THAT IS CONNECTED TO THE INTERNET.
PRESENT DAY TECH
SEMICOLON MICROCREDIT SOLUTION IS DEVELOPED WITH MODERN TECHNOLOGIES SUCH AS REACT JS FOR FRONTEND,
NODE JS FOR BACKEND AS WELL AS MONGODB FOR THE DATABASE. MICROCREDIT SOFTWARE DEVELOPED WITH SUCH
MODERN TECHNOLOGIES IS A RARE GEM AT THIS TIME.

11. CUSTOMER REGISTRATION
CUSTOMER LIST
PENDING REQUEST
ACCOUNT OPENING REQUEST
ALL TRANSACTIONS
MICROCREDIT ACCOUNT
GENERATE DEPOSIT ACCOUNT
COLLECTION/WITHDRAW
PROFIT DISTRIBUTION
DEPOSIT CLEARING
DEPOSIT STATEMENT
MAJOR MODULES OF OUR MICROCREDIT SOFTWARE
MICROCREDIT MANAGEMENT:
MICRO ACCOUNTS:
DEPOSITS:
GENERATE SAVINGS ACCOUNT
SAVING AND LOAN COLLECTIONS
WITHDRAW
LOAN DISBURSEMENT
LOAN ACCOUNTS
ACCOUNT STATEMENTS
CHEQUE RETURN
EMPLOYEE REGISTRATION
EMPLOYEE LIST
SALARY INCREMENT
PROVIDENT FUND
TRAINING
GENERATE PAY SLIP
PAY ROLL
ASSETS AND WELFARE FUND
SAVINGS AND LOANS
OFFICE MANAGEMENT:
BANKING
DEPOSIT AND WITHDRAW
RECEIVABLE AND PAYABLE
TRANSACTIONS
INCOME AND EXPENSE REPORT
ACCOUNTING: