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.

1. 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.
MATIR BANK -
MICROFINANCE MADE
SIMPLE!

2. 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.
MICROCREDIT IN
BANGLADESH
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.

3. 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).

4. 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.

5. 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.
COMPLEXITY
The next problem they face is the
difficulty in operation.

6. 06
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.
PORTABILITY
Such institutions find it problematic in
terms of portability of the system as well
as probable data loss.
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.
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.

7. 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.

8. 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.
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.

9. 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.
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.
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.

10. 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.
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.
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.

11. MAJOR MODULES OF
OUR MICROCREDIT
SOFTWARE
Customer Registration
Customer List
Pending Request
MICROCREDIT MANAGEMENT:
Account opening request
All transactions
Microcredit accounts
MICRO ACCOUNTS:
Generate deposit account
Collection/Withdraw
Profit distribution
Deposit clearing
Deposit statement
DEPOSITS:

12. Generate savings account
Saving and loan collections
Withdraw
Loan disbursement
Loan accounts
Account statements
Cheque return
SAVINGS AND LOANS
Employee registration
Employee list
Salary increment
Provident fund
Training
Generate pay slip
Pay roll
Assets and welfare fund
OFFICE MANAGEMENT:
Banking
Deposit and withdraw
Receivable and payable
Transactions
Income and Expense report
ACCOUNTING:

13. MICROCREDIT
SOFTWARE