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End-to-End Solution
HES FinTech software for MFI lenders covers end-to-end functionality in a single system: origination, underwriting, servicing, collection, and reporting. Speed up “time-to-fund” and discard insecure manual processes in favor of smooth automated workflows.
Whether you need to go digital, add process automation, or facilitate the transformation of current operations, our microfinance system can meet your business needs in an ever-changing lending market.
Origination
Orchestrate the loan origination process with a dedicated end-to-end solution. Save labour and other operating costs. Accelerate the speed of loan application handling from first engagement with a borrower to the final acceptance.
— Smooth application process
— Verification of the customers’ identity and compliance
— Quick credit risk assessment with AI
— Automatic processing of documents/loan underwriting
Servicing
HES software replaces siloed servicing and provides full control over the process. Automate every single step after disbursing the funds until the loan is fully paid off. Сollect principal, interest, and escrow payments from a borrower. Monitor delinquencies, restructurings and execute foreclosures.
— Loan disbursement automation
— Payment schedules management
— Daily calculations for accruals, arrears, write-offs
Credit Scoring
Determine the creditworthiness of borrowers at speed and scale. Integrate with third-party credit scoring providers or build your own scoring system and make well-informed credit decisions.
— Accurately assess the financial state of borrowers
— Automatically build, validate and deploy AI scoring models
— Reduce NPLs and boost loan portfolio return
Statistics & Reporting
The reporting module provides fast, customizable access to interactive dashboards with accurate information and easy-to-use tools to make critical business decisions. Instant reports allow MFIs to track areas that need immediate attention.
Export data to a range of formats, use clear standard dashboards or create comprehensive reports and deliver results to the right person in the right format.
STM Micro Credit and Multipurpose:
1. You can operate the software on unlimited workstations under your Local Area Network (LAN).
2. It supports the requirements of Multi-Purpose Credit Co-operative Society Organizations.
3. Extremely user-friendly interface.
4. Administrator can selectively choose access rights for individual users.
5. Uses modern client-server model.
6. Per copy license.
7. It has built in accounting features that will support all your financial accounting management needs.
Modules:
1. Task
Organization Info
Region Info
Branch Info
Unit Info
Field Officer
Supervisor
Group Number
Commission Rate
Account Type
Voucher Type
Particulars
2. Accounts
Book of Accounts
Opening Balance
Vouchers
Journal View
Posting
3. Micro Credit
Member Info
Share Info
Guarantor Info
Account Info (DPS, Savings, MSP etc.)
Loan Info (Straight Line And Reducing Balance)
Loan Installment Receive (Individual/FO wise)
Savings (Individual/FO Wise)
Withdrawals (From Current Account)
Yearly interest calculation of current account.
Account Closing with interest calculation.
Account wise Penalty
Loan Penalty
Pass Book Info
List of Reports (Output) would be available as below:
Micro Credit:
Individual Member Profile.
Region/Branch/Unit/Group/FO/FS wise Member info in a date range.
Region/Branch/Unit/Group/Member/Account Type/FO/FS wise Account info in a date range.
Region/Branch/Unit/Group/Member /Account Type/Account/FO/FS wise Account Status in a date range.
Region/Branch/Unit/Group/Loan Type/FO/FS wise Loan info in a date range.
Region/Branch/Unit/Group/Loan Type/Loan/FO/FS wise Loan Status in a date range.
Region/Branch/Unit/Group/Member /Account Type/Account/FO/FS wise Savings in a date range.
Region/Branch/Unit/Group/Member /Loan/FO/FS wise Installment Received in a date range.
Region/Branch/Unit/Group/Member /Account Type/Account/FO/FS wise Withdrawal in a date range.
Region/Branch/Unit/Group/Member/Account Type/Account/FO/FS wise closed Account info in a date range.
Region/Branch/Unit/Group/Member/Account Type/Account/FO/FS/Interest Rate wise Due Interest of Accounts.