LOAN PERFORMER The Number One in Micro-Finance Crystal Clear Software Ltd.
A Presentation By: Hans Verkoijen , Managing Director Crystal Clear Software Ltd.
Company Profile ˜ ˜ A Uganda-based Company, founded in 1998 Specialized in Software for Micro-Finance Crystal Clear Software Ltd.
Company’s Strategy Make a Micro-Finance Product that is: ˜ Flexible ˜ User-Friendly ˜ Customizable ˜ Affordable LOAN PERFORMER Crystal Clear Software Ltd.
Loan Performer Installed Base 162 Clients Use LPF 30% in East Africa 35% Rest of Africa 20% Eastern Europe & Asia 15% Caribbean & Latin Am. Over 300 installed sites. Crystal Clear Software Ltd.
Loan Performer Modules Savings Module • 100 Savings Products • Time-Deposits Client Module General Ledger • Individual Clients • Businesses • Group Members Shares Module • For Individual & Groups • Dividend • All Financial Statements • Budgeting • Assets • Sales & Purchases • Export to Other Accounting Packages Foxfire Report Generator Crystal Clear Software Ltd. Loan Portfolio Module • Tracking of Group Accounts • Linked to Savings or Shares • Printing of Loan Contracts
Loan Performer Modules General Features ™ ™ ™ ™ ™ Windows 2000/XP compatible. Min. Requirements: 64 MB Ram, 800 x 600 screen resolution, A 4 printer. Supports Individual Lending as well as Grameen Lending or Village Banking. Automatic Booking of Transactions to the General Ledger. User definable menu-items and handles 10 user levels. More than 150 standard reports, many as recommended by CGAP. Export of reports to PDF, XLS and DBF format. Export to 3 rd party Accounting packages. Fox. Fix database protection. Crystal Clear Software Ltd.
Loan Performer Modules Multi-Language Version ™ Users defined as English, French, Spanish, Russian or Other. At login interface changes automatically. ™ In network environment one can … while another … ™ All labels and menus can be overwritten by the user. ™ The 5 th language option can be used for any (local) language. Crystal Clear Software Ltd.
Loan Performer Modules Crystal Clear Software Ltd.
Loan Performer Modules Client Module ™ Handles Individuals, Group Members and Businesses ™ User-definable Fields to Classify Clients (all reports can be filtered according to this) ™ Several Identity Documents ™ Mail-Merge Facilities for Loan Application, Disbursement and Notification Letters for Arrears ™ Clients can be black-listed. Crystal Clear Software Ltd.
Loan Performer Modules Crystal Clear Software Ltd.
Loan Performer Modules Shares Module ™ For Individual and Group Clients. ™ Automatic Dividend Calculation, 3 different methods. ™ The dividend period is flexible (maximum 1 year). ™ Dividend can be added automatically to the savings accounts. Crystal Clear Software Ltd.
Loan Performer Modules Savings Module ™ ™ ™ ™ Max. No. of Accts: 100, 000 / class ( ind, grp, business) and / branch. Up to 100 Savings Products, settings per product. Groups can be tracked at group and member level Automatic Interest Calculation, either on daily balances or on monthly minimum balances. The interest period is flexible (maximum 1 year). Interest can be added automatically. Charges/Rewards can be deducted from/added to the accts. Time-Deposits Crystal Clear Software Ltd.
Loan Performer Modules Crystal Clear Software Ltd.
Loan Performer Modules Loans Module 1/3 ™ Max. capacity: 1 million loans per branch. ™ Includes application, payment of commissions, approval, disbursement, repayment, rescheduling and write off. ™ Handles several loan funds with tracking per fund. ™ Supported installment periods: daily, (bi-)weekly, (half-)monthly, bi-monthly, quarterly, 4 -monthly, (semi-)annual. Crystal Clear Software Ltd.
Loan Performer Modules Loans Module 2/3 ™ Supports Interest with each Installment, Up-front or Deducted at Disbursement. ™ Flat Rate, Declining Balance (Discounted/Amortized). ™ Can be linked to Savings as Guarantee. ™ Repayments from Savings Accounts. ™ Penalties on a Loan by Loan basis or automatically. ™ Non-working days and weekends. Crystal Clear Software Ltd.
Loan Performer Modules Crystal Clear Software Ltd.
Loan Performer Modules Loans Module 3/3 ™ Generation of Loan Contracts via MS Word. ™ User-Definable Fields to Classify Loans. ™ User-Definable warning letters (Period and Contents). ™ Calculation of Loan Provision and update of Gen. Ledger ™ Write off on a loan by loan basis or automatically. ™ Break down of reports by branch, loan product, type, geographical area, credit officer, loan fund, client or loan category. Crystal Clear Software Ltd.
Loan Performer Modules Crystal Clear Software Ltd.
Loan Performer Modules General Ledger 1/2 ÿ ÿ Chart of Account according to any format. Each payment in Client/Shares/Savings or Loans Module can be passed to a separate account. Creation of GL Accounts in addition to System Accounts. Analysis according to Product, Donor, Branch, Cost Centre, Debtor, Creditor. Crystal Clear Software Ltd.
Debtors and Creditors Module ÿ ÿ ÿ Entry of Invoices received Printing of Payment Orders Entry of Payments received Entry of Invoices Issued Entry of Payments made Automatic Update of the GL. Crystal Clear Software Ltd.
Loan Performer Modules Crystal Clear Software Ltd.
Loan Performer Modules General Ledger 2/2 ÿ ÿ ÿ Manual entries in addition to automatic entries. Automatic booking of standard transactions. Assets Module. Supports budgets. Export to 3 rd party accounting packages. Reports on Budget Tracking, Break Down Reports, Profit per Period, Cash Flow, Trial Balance, P&L Statements and Balance Sheets. Crystal Clear Software Ltd.
Loan Performer Modules Crystal Clear Software Ltd.
Loan Performer Modules Foxfire Report Generator ÿ Create your own reports Data-dictionary available User-friendly interface ÿ However…. ÿ ÿ Crystal Clear Software Ltd.
Loan Performer Modules Crystal Clear Software Ltd.
DATA-BASE CONVERSION Loan Performer imports: - Clients (Ind. /Buss/Groups/Members) - Savings Transactions, Savings Transfers - Loan Applications/Approvals/ Disbursements/Repayments - GL Transactions From XLS/DBF/TXT files Templates Available Crystal Clear Software Ltd.
Loan Performer Modules Client Module • Individual Clients • Businesses • Group Members Shares Module • For Individual & Groups • Dividend Savings Module Loan Portfolio Module • 100 Savings Products • Tracking of Group Accounts • Can be linked to Shares or Savings General Ledger • All Financial Statements • Budgeting • Export to Other Accounting Packages Database Encryption Foxfire Report Generator Crystal Clear Software Ltd.
Loan Performer Modules Savings Module • 100 Savings Products • Time-Deposits Client Module General Ledger • Individual Clients • Businesses • Group Members Shares Module • For Individual & Groups • Dividend • All Financial Statements • Budgeting • Assets • Sales & Purchases • Export to Other Accounting Packages Foxfire Report Generator Crystal Clear Software Ltd. Loan Portfolio Module • Tracking of Group Accounts • Linked to Savings or Shares • Printing of Loan Contracts
Marketing Policy ÿ ÿ ÿ ÿ Licenses per branch, cheap for small organizations Annual fees for free updates and support Free bug-fixes Try it out before you buy Distribution via web: www. loanperformer. com Local support via Representatives Email list for LPF Users: http: //groups. yahoo. com/group/loanperformer Crystal Clear Software Ltd.
Pricing ÿ ÿ ÿ ÿ Single user, one office license: US 900 plus US 180 annual fees. Single user, 2 to 5 offices: US 585 per license per office plus US 117 annual fees (free updates and email/fax/phone/chat support). Single user, 6 to 10 offices: US 540 per license per office plus US 108 as annual fees. More than 10 offices: US 495 per license per office plus US 99 as annual fees. Five user, one office license: US 1, 600 plus US 320 annual fees Twelve user, one office license: US 2, 200 plus US 440 annual fees Client-server license: USD 3, 000 plus USD 600 annual fees (not including SQL Server). Demo version: US 65 to cover shipping costs. Crystal Clear Software Ltd.
WANT TO KNOW MORE? ÿ ÿ ÿ ÿ CGAP Review WEBSITE www. loanperformer. com Download or buy the demo CD Crystal Clear Software Ltd. PO Box 7463 Kampala, Uganda P. O. Box 311 -2010 Zapote, Costa Rica Email: info@loanperformer. com Crystal Clear Software Ltd.
LOAN PERFORMER The Number One in Micro-Finance Crystal Clear Software Ltd.
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