Built for Microfinance
Run your microfinance operations from one system with MiKrof
End‑to‑end micro‑banking ERP — membership onboarding, savings, loans, field collections, SMS notifications, and reporting. Localised for Bangladesh, supported by TMSS ICT.
In the light of 52 years of experience in microfinance management, TMSS ict limited has developed Micro Banking ERP. By using its e-pass book, collections can be done through a tab or smart phone and members get SMS notifications on their mobiles as soon as they deposit their savings or loan installments. Micro Banking ERP is a complete solution. This solution combines all the benefits from membership application to savings and loan installment notification.
One ERP. Two connected information systems.
Controls & accounting structure
Unauthorized back-dated data entry prevention and support for unlimited depth levels in the chart of accounts.
Fund & budget management
Fund transfer among branches, budget/budget variance, donor loan management and scheduling.
Automated vouchers
All MIS financial transactions trigger automatic accounting vouchers, with manual vouchers available for regular expenditures and other operations.
Dashboard-driven operations
Information for MFI and individual branches, with transaction tracking and drill-down reporting.
Core Modules & Integrated Features
Management Information System (MIS)
Comprehensive data tracking, reporting
Accounting Information System (AIS)
Automatic accounting vouchers, financial reports.
Loan & Savings Portfolio
Full lifecycle management.
MRA Compliance Reporting
Automated regulatory filings
SMS Transaction Alerts
Real-time member notifications
DFS & Mobile Apps
Mobile e-collection, member passbook
Everything your MFI needs, connected
Cloud Based
Access the solution through a connected, cloud-based environment.
Integrated HRIS
Employee and organizational information is integrated with the ERP.
SMS Transaction Alert
Supports SMS transaction alerts as part of the platform.
DFS & MFS Integrated
Supports integration with DFS and MFS environments.
Loan & Savings Portfolio
Manage loan and savings products, accounts and transactions.
Easy Customization
Designed to support super-easy customization for organizational needs.
e-Collection
Supports e-collection through mobile applications.
Passbook
Member/borrower passbook functionality is included.
Dynamic Dashboard
Dynamic bottom-up dashboard for operational visibility.
Fixed Asset, Inventory & POS
Dynamic bottom-up dashboard for operational visibility.
Automatic Accounting
MIS financial transactions can trigger automatic accounting vouchers.
Online Reporting
Online Reporting System (OLRS), MRA compliance reporting and fund management
Reporting
- Trial Balance
- Receipt-Payment Statement
- Income Statement
- Balance Sheet
- Cash Flow Statement
- Ledger Reports
- Daily Transactions
- Bank & Cash Book
- Fund Transfer Report
- Subsidiary Ledger Report
- Notes to Balance Sheet
- PKSF-POMIS Reports
- MRA Reports
- Branch Wise Saving Information
- MFI Monthly Information
- Consolidated Financial Position
- Loan Classification Chart
- Loan Disbursement Information
- Due Register
- Written Off Register
- Rebate Register
- Transfer Register
- FDR Register
- Monthly Progress Report
- Target Achievement Report
- MIS & AIS Cross Check
- Periodical Progress Report
- Budget Allocation Report
- Budget Variance Report
- Branch Wise Ledger Report
Benefits
Streamline your microfinance processes with Mikrof
Dynamic Dashboard
The complexity of microfinance activities, efficient data management is crucial.
The solution provides tools for data entry, storage, retrieval and reporting.
Complete control over microfinance operations.
E-Pass Book and Mobile Collections
The use of e-pass books and mobile devices (tablets or smartphones)
for collections simplifies the process of gathering savings and loan
installments from members.
Financial Transparency
The system might offer transparency in financial operations,
allowing members to have clearer insights into their accounts,
transactions, and balances.
SMS Notifications
We can help members stay updated about their financial
transactions by sending SMS notifications after depositing
savings or loan installments.
Security
Given the sensitive nature of financial transactions and personal
data, the system incorporate strong security measures to protect
both member information and financial data.
Online Reporting System
Comprehensive reporting and analysis tools are often part of ERP.
These can assist in decision making, performance monitoring and
compliance.
Modular Section
- Role Based Access Control (RBAC)
- Multiple Office/Branch Setup
- Employees
- Groups
- Migration
- Member Information
- Member Group Transfer
- Member Closing
- Member Reports
- Loan Products
- Loan Accounts, Transaction
- Death Member Register, Waiver
- Loan Rebates
- Loan Write off
- Loan Reports
- Transaction Authorization
- Transaction Un-authorization
- Collection Sheet
- Day End and Month End Process
- Standard Reports
- Pre-formatted Reports
- Customized Reports
Ready to modernize your microfinance operations?
