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Customers
Onboarding, profiles, mobile activation, bulk creation.
Microcredit operating system
microOS
Run microcredit operations with speed and control.
Free ConsultationFor microfinance and microcredit institutions
Our philosophySchedule a Call
microOS works the way your institution works.
microOS is built around how microcredit work actually happens: customers onboarded in the field, repayments arriving in cash and by transfer, committees approving loans, and MCAG returns due on a schedule. Every module posts to one ledger, so the office and the field finally agree.
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Built for field reality
Customer intake, repayments, guarantors, and collections designed for how microcredit teams actually work — including the messy exceptions.
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One ledger of truth
Savings, loans, and accounting post to the same core the moment they happen. No more month-end gap between the field and the office.
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MCAG reporting built in
Regulatory returns are generated views of the live ledger — produced in minutes, identical to what management sees every day.
Preparing your institution
From customer intake to repayment control.
What's included
Customers
Savings & transactions
Loans
Accounting
Funds & payroll
Assets & investments
Governance
Reports & payments
Operating domains
Broad coverage, organized into simple work areas.
Every domain posts to the same ledger, so records, workflows, and reports always agree.
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Savings & transactions
Deposits, withdrawals, transfers, receipts, pending flows.
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Loans
Applications, products, approvals, repayments, guarantors.
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Accounting
Chart of accounts, ledger, trial balance, final accounts.
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Funds & payroll
Fund transfers, reconciliation, payslips, payroll history.
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Assets & investments
Assets, liabilities, receivables, payables, maturities.
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Governance
Approvals, meetings, tasks, documents, advisory members.
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Reports & payments
MCAG reports, regulatory reports, SMS/email, Paystack.
Our process
How we take microOS live in your institution.
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Learning about you
A short call with our team about your institution — current systems, workflows, reporting duties, and where the pain actually is.
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Working session
We sit with the people who run daily operations and map their real workflows, exceptions included, into a configuration plan.
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Migration & parallel run
Existing records move in a validated, reconciled migration. Both systems run side by side until every number agrees.
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Go live & stay close
Your team is trained, the ledger is reconciled, and our Accra and Kigali teams stay close through the first cycles.
What clients say
“Repayment tracking used to take our field team days. Now collections, approvals, and reports live in one place.”
General Manager
Microfinance institution
Questions
What institutions ask before choosing microOS.
How do our existing customer and loan records move into microOS?
Migration is a structured project with named owners on both sides. We extract and validate your existing records together, reconcile balances against your current ledger, and run a parallel period before microOS becomes the system of record.
Does microOS produce the MCAG returns we submit today?
Yes. MCAG and regulatory reports are generated directly from the live ledger, so the return you submit always matches your operational records — no re-keying or month-end assembly.
How are approvals and staff permissions controlled?
Role-based access controls who can post, approve, and report. Loan approvals follow your committee structure with a full trail of who approved what and when.
What support do we get after go-live?
Our team in Accra and Kigali supports institutions through onboarding, staff training, and daily operations — with regulatory template updates delivered as part of the platform.
The rest of the suite
Products that work alongside microOS.
Ready when you are