Total Staff—Across all branches
Dashboard Overview
0
Total Borrowers
+12 this month
0
Active Loans
+5 this month
0
Total Disbursed (BWP)
+8.3%
0
Overdue Loans
-2 from last month
0
Repayment Rate
+1.2%
0
Revenue This Month
+11.5%
Loan Disbursement Trend
Disbursed
Repaid
Loan Status Distribution
Recent Loan Applications
| Borrower | Amount | Purpose | Status | Date |
|---|
Recent Activity
Upcoming & Due Loans (Due today & next 3 days)
Overdue Loans — Send Reminders
Portfolio At Risk (PAR)
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Awaiting Contract Signature
Branch Dashboard
Select a branch to view its complete performance.Choose a Branch
Click a branch card to open its dashboard. Loading branches…
Borrower Management
| # | Full Name | Omang No. | Phone | Employer | Active Loans | Risk Level | Status | Actions |
|---|
Unverified Accounts
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Loan Management
| Loan Ref | Borrower | Branch | Loan Start Date | Loan Due Date | Principal Amount | Interest | Term | Monthly | Balance | New Maturity Date | Status | Actions |
|---|
Repayment System
—Collected Today
—This Month
—Payments Today
—Overdue Balance
Pending Payment Proofs
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Recent Repayments
| Receipt # | Loan ID | Borrower | Amount Paid | Method | Receiving Branch / Account | Date | Balance After | Recorded By | Actions |
|---|
Collections & Defaults
Good Standing
Warning (1-30 days)
High Risk (31-60 days)
Defaulted (61-90 days)
Blacklisted (90+ days)
| Borrower | Loan ID | Overdue Balance | Days Overdue | Last Contact | Risk Level | Promise Date | Actions |
|---|
Website Analytics
Real-time visitor tracking, traffic sources and click analytics for your public website.
— active now
to
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Reports & Analytics
Daily Collections
Summary of all collections made today
Loan Disbursement
All loan disbursements by date range
Defaulters Report
List of all defaulting borrowers
Revenue Report
Interest income and fees collected
Loan Aging Report
Loans grouped by aging buckets
Branch Performance
Performance metrics per branch
Balance Sheet
Assets, liabilities and net equity position
Cash Flow Statement
Monthly inflows, outflows and net position
Loan Aging (Buckets)
Overdue loans grouped into 30/60/90/120+ day buckets with detail
Monthly Collections
All repayments for a selected month with CSV export
Portal Loan Applications
Review and approve/reject applications submitted by borrowers
Officer Commissions
Track and pay loan officer commissions (7% of approved loan)
Collections vs Disbursements
to
Messages
CONVERSATIONS
Select a conversation
Select a conversation to view messages
Webmail
Appointments
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Notifications
PushActive
SMSActive
EmailActive
WhatsAppSetup Needed
Investor ROI Dashboard
CFO-level view of all investor capital, returns, risk exposure and distributions.
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Investment Partnership Programme
Manage investor accounts, capital deployment & profit distribution
| Investor | Option | Share % | Total Invested | Available | Active Loans | Returns | KYC | Status | Actions |
|---|
Staff & Role Management
Manage system users, their roles, branch assignments and access permissions.
Active Staff——
Roles—System roles in use
Recently Added—In the last 30 days
| Staff Member | Role | Branch | Phone | Status | Last Login | Date Added | Actions |
|---|
Management Assistant
Instant operational answers from current system data
System Settings
System Behaviour
Controls how frequently the dashboard auto-refreshes data in the background. Minimum: 30 seconds. Default: 120 seconds.
Business Information
Branding
or paste a URL below
or paste a URL below
Dark Mode
Color Scheme
Loan Products
Default Loan Settings
Require Collateral by Default
Require Guarantor by Default
Important — Changes apply to NEW loans only
Updating these interest rate and loan settings will only affect new loans created after saving.
All existing active loans retain their original terms and interest rates. Existing repayment schedules will not be modified.
To adjust an existing loan's term, use the Reduce Term tool on the individual loan detail.
Branch Management
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Borrower Portal Settings
Portal Enabled
Website Landing Page (index.php must be on server)
If ON, root URL shows the marketing website. If OFF, shows the borrower portal.
Self-Registration Allowed
Payment Methods
Orange Money
Bank Transfer
Cash
M-Pesa (if applicable)
Other Payment Methods
Add methods such as MyZaka, card, cheque or another wallet.
Deposit each method into
A repayment credits the accounting account linked to its selected payment method.
Financial Account Types
These classify Accounting accounts. Add types such as Mobile Wallet, Card Clearing or Petty Cash.
Business Banking Details (printed on repayment schedules, receipts & invoices)
Winners will be told to use: COK-AUC [their name]
SMS Settings
Enable SMS
Overdue Alerts
Email Settings
Enable Email
Enter one or more addresses separated by commas, semicolons, or new lines. Gmail addresses are supported.
Copy every outgoing emailRecipients receive a private BCC copy of borrower, investor, receipt, reminder, and system emails.
Email every system notificationEvery unsent notification type is emailed immediately. Cron remains a safety retry if SMTP was temporarily unavailable.
Save the recipient addresses and switch above first. This also sends older notifications that were never emailed.
Investor Portal URL
The link sent to investors in welcome and password-reset emails. Use the {{portal_url}} placeholder in the email body below to insert it automatically.
Investor Welcome Email
Sent automatically whenever an investor is created with a password, or given portal access, or has their password reset. Use the placeholders below — they are replaced with the investor's actual details when the email is sent.
{{name}}
{{email}}
{{password}}
{{portal_url}}
{{site_name}}
Basic HTML is supported (e.g. <p>, <strong>, <a>). Leave blank to use the built-in default template.
IMAP Settings (Incoming Mail)
Configure IMAP to read your mailbox folders (Inbox, Sent, Drafts, Trash) from within the admin panel.
SMTP Settings (Outgoing Mail)
SMTP settings are shared with the transactional email system. Configure them in the Notifications tab → Email Settings.
Outgoing emails from Webmail use the same SMTP host, port, username, password, and From Name configured in Settings → Notifications → Email Settings.
Make sure those are filled in before composing emails.
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Email Signature
Auto-appended to every new email you compose (not added on reply/forward).
Scheduled Emails
Emails queued to be sent at a future time. Processed by the nightly cron.
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Loan Status Thresholds
These values control when loans automatically change status. Changes take effect on the next cron run.
0 marks a loan overdue immediately after its due date.
Automated Reminder Windows
Countdown reminders are generated by the nightly cron. Duplicate notices are prevented by the notifications log.
Borrower Risk Level Bands
Risk levels are recalculated from the worst overdue loan per borrower.
Apply Rules
Save thresholds, then apply overdue/default and risk rules immediately without waiting for cron.
WhatsApp Business API
Connect the Meta WhatsApp Business Cloud API to send messages to borrowers directly from the system.
Setup Required
Enable WhatsApp Messaging
Enable WhatsApp
The WhatsApp number shown to your borrowers.
WhatsApp Borrower Chatbot
Webhook URL:
api.php?r=webhooks/whatsappMeta Cloud API Credentials
Get these from Meta for Developers → Your App → WhatsApp → API Setup.
Found in WhatsApp → API Setup section.
Create a System User token in Business Manager for production use.
Quick Setup Guide
- Create a Meta App at developers.facebook.com
- Add WhatsApp product to your app
- Copy the Phone Number ID from API Setup
- Generate a permanent System User token in Business Manager
- Paste both values above and save
- Use "Test Send" to verify the connection
Website Content Manager
All content on your public website is managed here. Changes are live immediately after saving.
Site Identity
Website Colours
Penalty Management
| Date Applied | Borrower | Loan Ref | Type | Months Overdue | Balance Before | Penalty (30%) | Balance After | Status | Actions |
|---|
Audit Logs
| Timestamp | User | Action | Module | IP Address | Details |
|---|
Database Backup & Recovery
How backups work: Clicking Create Backup Now runs
mysqldump on the server and stores the compressed SQL file in the backups/ folder. Only Super Admins and Admins can create or delete backups. Use the Download link to save a backup locally, or find files in backups/ via cPanel File Manager.
Stored Backups
| # | Filename | Size | Created | Actions |
|---|---|---|---|---|
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Collateral & Security Management
| # | Loan Ref | Borrower | Type | Description | Est. Value | Condition | Photos | Verified | Status | Actions |
|---|
Vehicle Custody
| # | Item | Borrower | Loan Ref | Storage Yard | Bay | Check-In | Check-Out | Status | Actions |
|---|
Key Management
| # | Item | Borrower | Loan Ref | Keys | Tag | Storage | Received | Returned | Status | Actions |
|---|
Digital Contracts
| # | Ref | Borrower | Loan Ref | Type | Status | Signatures | Signed At | Expires | Actions |
|---|
Auction Management
| # | Item | Borrower | Start Bid | Current Bid | Ends | Bids | Status | Actions |
|---|
Receipts & Invoices
| # | Invoice No. | Type | Borrower | Loan Ref | Total | Issued At | Actions |
|---|
Banking Details
Our Banking Details — Accept Repayments To
Configured in Settings
Account Name
—
Account Number
—
Branch / Code
—
Borrowers must use their Loan Reference as the payment reference when making EFT payments.
Client Banking Details
| Ref | Borrower | Bank | Account No. | Branch Code | Status | Actions |
|---|---|---|---|---|---|---|
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Ownership Changes
| Date | Vehicle / Collateral | Reg No. | Borrower | Change Type | New Owner | Transport Dept Ref | Notified | Notes |
|---|---|---|---|---|---|---|---|---|
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Bluebook / Registration Book
| Date | Vehicle / Collateral | Reg No. | Borrower | Collected By | Omang | Phone | Type | Notified | Notes |
|---|---|---|---|---|---|---|---|---|---|
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GPS Tracker Management
| Device ID | IMEI | SIM | Vehicle / Collateral | Borrower | Loan Ref | Install Date | Status | Last Seen | Actions |
|---|---|---|---|---|---|---|---|---|---|
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GPS Tracker Inventory
| Device ID | IMEI | SIM | Brand/Model | Status | Installed On | Borrower | Installed | Actions |
|---|---|---|---|---|---|---|---|---|
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Extra Charges
Add extra fees or charges to a borrower's loan (e.g. late fees, insurance, admin costs). Each charge immediately increases the outstanding balance and is visible in the borrower portal.
| Loan Ref | Borrower | Charge Name | Amount | Description / Reason | Added By | Date | |
|---|---|---|---|---|---|---|---|
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GPS Installations
| Date | Vehicle | Reg No. | Borrower | Device ID | Installer | Location | Status | Photos | Actions |
|---|---|---|---|---|---|---|---|---|---|
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Loan Officer Reports
| Officer | Branch | Role | Loans Disbursed | Total Disbursed | Active Portfolio | Collected | Interest | Defaulted | Commission Rate | Commission Earned | Actions |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Select a date range and click Run Report | |||||||||||
Loan Contracts
| Contract # | Borrower | Loan Ref | Type | Status | Borrower Signed | Officer Signed | Actions |
|---|---|---|---|---|---|---|---|
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Contract Templates
Loan Agreement templates are pre-loaded from the standard agreement. You can edit them or create custom templates. Supported placeholders:
{{customer_name}}, {{id_number}}, {{loan_amount}}, {{interest_rate}}, {{loan_term}}, {{contract_date}}, {{contract_number}}.
| Template Name | Type | Status | Created | Actions |
|---|---|---|---|---|
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QUICK SEED TEMPLATES
Click Seed to create a pre-filled template based on your standard agreements. Leave the body blank when creating to auto-populate the default content.