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Prady MFI Core

Enterprise Microfinance Core Banking

Control loans. Automate repayments. Govern treasury. Scale branches.

Enterprise-grade lending, collections, treasury and M-Pesa operations for African financial institutions.

M-Pesa Ready Multi-branch Treasury governance Maker-checker Audit-ready
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  • Built for Kenya & East Africa
  • Role-based security
  • PayBill automation
Financial operations team reviewing lending portfolio analytics

Product views are representative of Prady MFI Core modules

  • Built for Kenya
  • M-Pesa Ready
  • Multi-Branch
  • Audit Ready
  • Governance Controls
  • Role Segregation
  • Scalable Architecture
  • Secure Data Management

Why Prady MFI

Enterprise depth across lending, collections, and treasury.

Loan Origination

From intake to approved facility

  • Configurable application forms
  • Guarantors & collateral
  • Approval workflows
  • Credit decision support
Prady MFI Core · Loan Origination

Loan Origination

Live workspace

From intake to approved facility

Overview Active
Actions Active
Alerts Active
Collections & Recovery

Recover before PAR becomes loss

  • Daily collections discipline
  • Officer accountability
  • Arrears watchlists
  • Recovery workflows
Prady MFI Core · Collections & Recovery

Collections & Recovery

Live workspace

Recover before PAR becomes loss

Overview Active
Actions Active
Alerts Active
M-Pesa PayBill Automation

Collections that post themselves

  • PayBill reconciliation
  • Automatic allocation
  • Unposted payments workbench
  • C2B integration
Prady MFI Core · M-Pesa PayBill Automation

M-Pesa PayBill Automation

Live workspace

Collections that post themselves

Overview Active
Actions Active
Alerts Active
Treasury & Disbursements

Govern every shilling in float

  • Treasury float controls
  • B2C disbursement
  • Reconciliation dashboards
  • Fraud monitoring hooks
Prady MFI Core · Treasury & Disbursements

Treasury & Disbursements

Live workspace

Govern every shilling in float

Overview Active
Actions Active
Alerts Active
Accounting Integration

Finance-grade books

  • Loan books & journals
  • Income recognition
  • Audit trail
  • Export controls
Prady MFI Core · Accounting Integration

Accounting Integration

Live workspace

Finance-grade books

Overview Active
Actions Active
Alerts Active
Client 360

One view of every borrower

  • Unified client profile
  • Loan history & interactions
  • Wallet balances
  • Branch context
Prady MFI Core · Client 360

Client 360

Live workspace

One view of every borrower

Overview Active
Actions Active
Alerts Active
Branch Operations

Multi-branch command centre

  • Branch KPI dashboards
  • Staff groups & portfolios
  • Officer rankings
  • Regional performance
Prady MFI Core · Branch Operations

Branch Operations

Live workspace

Multi-branch command centre

Overview Active
Actions Active
Alerts Active
Executive Reporting

Board-ready portfolio insight

  • PAR & portfolio reports
  • Management summaries
  • Risk alerts
  • Controlled exports
Prady MFI Core · Executive Reporting

Executive Reporting

Live workspace

Board-ready portfolio insight

Overview Active
Actions Active
Alerts Active

Treasury & governance

Where legacy systems stop at loan posting, Prady MFI Core governs treasury.

Maker-checker controls, approval chains, and audit trails designed for regulated African lenders.

Financial professionals reviewing treasury operations

Maker-Checker Controls

Dual authorization on sensitive treasury and disbursement actions.

Approval Chains

Configurable workflows from officer to committee to finance.

Treasury Float Controls

Monitor pay-ins, disbursements, and branch cash positions in real time.

Fraud Detection

Anomaly flags on payments, reversals, and verification failures.

Phone Verification

Validate borrower numbers before disbursement and collections.

Audit Trails

Immutable activity logs for every approval, post, and export.

Role-Based Security

Granular permissions by branch, module, and staff group.

Export Restrictions

Govern who can extract portfolio and financial data.

M-Pesa operations

PayBill collections, allocation, and treasury reconciliation — connected.

Built for Kenyan lenders who need disciplined mobile-money operations, not spreadsheet reconciliation.

PayBill Collections Automatic Allocation Unposted Payments Workbench C2B Integration B2C Disbursement Treasury Reconciliation Phone Verification
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Mobile digital payment on smartphone

Product modules

One platform. Every lending operation.

CL

Clients 360

Unified borrower profiles, interactions, and wallet context.

  • • Single client view
  • • Branch history
  • • Interaction trail
LO

Loan Management

Applications, approvals, schedules, and live loan book control.

  • • Full lifecycle
  • • PAR monitoring
  • • Officer portfolios
CO

Collections

Daily collections, recovery workflows, and officer accountability.

  • • Arrears visibility
  • • Field discipline
  • • Target tracking
TR

Treasury

Float management, disbursements, reconciliation, and fraud controls.

  • • Cash governance
  • • B2C payouts
  • • Reconciliation
AC

Accounting

Journals, loan books, income tracking, and audit-ready controls.

  • • Finance integration
  • • Audit trail
  • • Export controls
RE

Reports

Portfolio, branch, and executive dashboards with export governance.

  • • Board-ready
  • • Risk alerts
  • • Branch KPIs
IN

Investments

Investment products alongside core lending operations.

  • • Product diversity
  • • Unified reporting
  • • Client linkage
EM

Employer Lending

Payroll-linked lending with employer portals and remittance flows.

  • • Employer portal
  • • Deduction tracking
  • • Exit handling
GR

Group Lending

Group meetings, contributions, and member statements.

  • • Group books
  • • Meeting cycles
  • • Member balances

Platform tour

See Prady MFI Core in action.

Explore representative workspace views across clients, treasury, collections, M-Pesa, and governance.

Operational chaos

Scattered systems hide arrears until portfolio risk is already moving.

Applications handled manually

Paper forms and scattered files slow onboarding and increase data-entry errors.

Collections tracked in notebooks or Excel

Field teams reconcile pay-ins late, and finance cannot trust daily cash positions.

Arrears visibility comes too late

Management discovers portfolio stress after PAR has already moved.

Treasury and accounting are disconnected

Disbursements, pay-ins, and journals live in different systems with no single truth.

Loan lifecycle control

One connected system for the full credit lifecycle.

  1. 1 Client onboarding
  2. 2 Loan application
  3. 3 Appraisal and approval
  4. 4 Disbursement
  5. 5 Repayment tracking
  6. 6 Collections follow-up
  7. 7 Arrears and PAR monitoring
  8. 8 Accounting and reporting

Executive visibility

Portfolio intelligence leaders can trust.

Portfolio health

KES 48.2M

+4.2%

3,842 active facilities · sample book

Progress 78%

Collections performance

KES 1.24M

+12%

94% of daily branch plan

Progress 94%

Arrears watchlist

156 accounts

PAR 6.8% · sample risk queue

Progress 32%

Branch performance

12 branches

East region leading · sample

  • East KES 420K
  • West KES 385K
  • HQ KES 310K
  • North KES 265K

Officer ranking

92%

visit compliance

Recovery discipline · sample

  • 1 Officer A 96%
  • 2 Officer B 93%
  • 3 Officer C 89%

Cash movement

KES 3.6M

Net disbursements vs pay-ins

Progress 64%

Industries we serve

Built for how African lenders actually operate.

Microfinance Institutions

Microfinance Institutions

Disciplined loan books, collections, and branch operations for growing MFIs.

SACCOs

SACCOs

Member lending, staff loans, and governance controls SACCOs require.

Employer Lenders

Employer Lenders

Payroll deduction lending with employer onboarding and remittance tracking.

Digital Lenders

Digital Lenders

Fast origination, M-Pesa collections, and treasury automation at scale.

Investment Groups

Investment Groups

Member contributions, statements, and investment-linked reporting.

Credit Companies

Credit Companies

Multi-product lending with executive reporting and audit-ready controls.

Customer success

From discovery to go-live — with you at every step.

01

Discovery & Scoping

Map branches, products, M-Pesa flows, and governance requirements.

02

Configuration & Training

Configure workflows, roles, PayBill hooks, and train key users.

03

Parallel Run & UAT

Run alongside existing processes until finance and operations sign off.

04

Go-Live & Support

Cutover with dedicated support, monitoring, and optimization.

Built for every role in the institution.

Directors / Owners

See portfolio health, collections, risk, and branch performance.

Branch Managers

Monitor officers, approvals, repayments, and arrears daily.

Loan Officers

Manage applications, visits, collections, and client follow-ups.

Accountants

Track pay-ins, reconciliations, journals, and loan income.

Administrators

Control roles, permissions, audit logs, and system setup.

Deployment flexibility

Designed for how African lenders actually operate.

  • Single branch MFIs
  • Multi-branch lenders
  • Employer lending
  • Group lending
  • Staff loans
  • Collections teams
  • SACCO-style lending operations

Ready to govern loans, collections, and treasury at scale?

Book a consultation and see how Prady MFI Core fits your branches, M-Pesa flows, and governance model.

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