eKisti Microfinance Software
eKisti is a modern software solution designed to efficiently manage daily operations for NGOs, MRA-licensed institutions, PKSF partners, cooperatives, multipurpose societies, Islamic marketing groups, and any business involved in installment-based product sales.
eKisti Microfinance Software
eKisti is a smart, easy-to-use microfinance software designed to help organizations manage member savings, loans, installments, and payments efficiently. With eKisti, clients can track balances, installment schedules. and financial reports in real-time. It simplifies daily operations, improves transparency, and supports mobile access for better service and faster growth.
Key Features
Manage Member
Efficiently manage all member-related operations with ease. From new admissions to updating member details, closing accounts, or transferring members between Samities — ensure accurate, organized, and seamless member management for your microfinance organization.
Key Features :
- Member List: View, filter, and manage all registered members in a searchable list.
- Member Closing: Close or deactivate members with proper reason tracking and approval process.
- Change Member ID: Easily update or correct member ID numbers to maintain accurate records.
- Member Admission: Admit new members with full personal, nominee, and required document details.
- Member Samity Transfer: Transfer members between Samities while retaining full member history.
loan account setup and management
Simplify loan account setup and management. Open and manage one or multiple types of loan accounts including CC loans, submit loan proposals, track disbursement lists, and monitor complete transaction profiles—all in one integrated module.
Key Features:
- CC Loan Management: Easily set up and handle Cash Credit (CC) loan accounts with flexible terms.
- Transaction Profile: View complete loan account transaction history including disbursements and repayments.
- Loan Disbursement List: Track and manage disbursed loans with full visibility of amounts and dates.
- Loan Proposal Submission: Prepare and submit detailed loan proposals for approval and processing.
- Multiple Loan Account Setup: Open one or more types of loan accounts as per member eligibility and loan products.
Product Loan Managemnet
Manage and monitor product-based loan disbursements with ease. This module helps in disbursing products on loan, receiving installments, tracking product stock, generating installment sales reports, and calculating profits—separately for product sales and product loan disbursements.
Key Features :
- Installment Receiving: Collect and manage installment payments for disbursed product loans.
- Product Stock Tracking: Track available product stock and manage inventory during loan disbursement.
- Installment Sales Report: Generate detailed reports on installment-based product sales.
- Product Loan Disbursement: Disburse products to members under installment-based loan schemes.
- Profit From Product Loans: Analyze profits specifically from products given under loan schemes.
- Profit From Product Sales: Calculate profits earned from direct product sales.
Loan Transactions Management
Track and manage all financial transactions related to member loans. This module allows receiving installments based on disbursed amounts, rescheduling loans, applying penalties or waivers, and processing loan write-offs—ensuring complete control over the loan lifecycle.
Key Features:
- Loan Waiver: Grant waivers for eligible members or exceptional cases.
- Loan Penalty: Apply penalties for overdue or late payments automatically or manually.
- Loan Write-Off: Write off irrecoverable loans with proper tracking and approval process.
- Loan Rescheduling: Adjust repayment terms for loans requiring schedule changes.
- Installment Collection: Receive loan installments based on disbursed amounts and schedule.
Staff Loan Management
Efficiently manage loans issued to staff members with dedicated tracking, installment recovery, and approval processes. This module ensures transparency and control over staff loans, with proper documentation and reporting for HR and finance.
Key Features :
- Integrated HR Sync: Sync loan data with staff profiles in the HR system.
- Staff Loan Tracking: Track disbursed amounts, balances, and payment history per employee.
- Installment Recovery: Manage recovery of staff loan installments through salary or manual payments.
- Loan Approval Workflow: Set up multi-level loan approval processes for internal compliance.
- Staff Loan Application: Allow staff members to apply for loans with proper documentation.
- Loan Adjustment Or Closure: Support early closures or balance adjustments for resigning staff.
Deposit Account Setup & Management
Flexibly configure and manage various deposit schemes like General Savings, DPS, FDR, and Security Deposits. This module enables organizations to define deposit types, manage member accounts, track balances, and generate reports—ensuring organized deposit handling.
Key Features:
- Flexible Scheme Rules: Apply flexible rules and durations for each deposit type based on organizational policy.
- Interest Configuration: Set customizable interest rates per scheme with maturity and payout options.
- Deposit Ledger And Reporting: Track transaction history, balances, and generate detailed reports.
- Member-Wise Account Creation: Open deposit accounts for each member under chosen schemes.
- Multiple Deposit Scheme Setup: Define and manage various deposit types like savings, DPS, FDR, and security deposits.
- Auto Calculation And Maturity Tracking: Automatically calculate interest and maturity values over time.
Deposit Transactions Management
Efficiently manage all deposit transactions with scheduled installment collections, automated profit payments, and detailed tracking. The module supports various profit payout types, partial payments, deposit closing, and automated charge handling—ensuring accurate and smooth deposit operations.
Key Features :
- Deposit Closing: Easily close deposit accounts with final profit and balance adjustment.
- Partial Deposit Payments: Allow members to pay deposit installments partially if needed.
- Fee And Charges Automation: Apply and manage service fees, penalties, or additional charges systematically.
- Multiple Profit Payout Types: Support for day-wise, balance-wise, maturity-wise and flexible profit distribution options.
- Automated Profit Calculation And Payout: Automatically calculate and distribute profit based on balance or time period.
- Scheduled Deposit Installment Collection: Collect deposit installments on time as per the predefined schedule.
Account AIS Management
Streamline your financial operations with the Account AIS module. Easily manage all types of account transactions including ledger entries, journal records, and contra vouchers. Ensure accuracy and security with transaction authorization and audit tracking for a complete financial ecosystem.
Key Features:
- Journal Entry: Create and manage journal entries for all financial activities with reference details.
- Contra Voucher: Handle bank-to-cash, cash-to-bank, and similar internal transfer entries.
- Ledger Transactions: Record, update, and view ledger-wise financial movements in real time.
- Account Transactions: Manage all credit and debit entries with proper categorization and tracking.
- AIS Transaction Authorization: Secure sensitive transactions with a maker-checker approval system.
AIS Reports
The AIS Report module provides a comprehensive suite of financial and member-related reports to ensure clear visibility into organizational performance. Generate real-time account statements, member statements, balance sheets, profit & loss reports, and more to support accurate decision-making and compliance.
Key Features :
- Balance Sheet: Generate accurate financial position reports showing assets and liabilities.
- Profit & Loss: Review organization’s profitability through detailed reports.
- Trial Balance: Validate financial entries and ensure debit-credit balance before closing books.
- Account Balance: View real-time balances of all financial accounts.
- Member Statement: Get individual member’s transaction summary including loan and deposit movements.
- Account Statement: Generate detailed account-wise statements with transaction history.
- Income & Expenses: Track and categorize income and expense streams with analysis.
- Cash And Bank Book: Monitor daily cash and bank transactions with separate registers.
- Cash Transaction Details: Review all cash inflows and outflows for financial tracking.
- Receipt & Payment Report: Summarized report of all receipts and payments across the organization.
- Account Receipt & Payment: Track all incoming and outgoing account-based transactions.
Inter-Branch Transactions
The Inter-Branch Transactions module enables seamless coordination between branches for both fund and product transfers. From initiating fund requests to approving inter-branch product shipments, this system ensures controlled, traceable, and authorized transactions with real-time visibility into branch-wise balances and transfer histories.
Key Features:
- Branch-Wise Balance: View real-time fund and product balances for each branch.
- Fund Request Approval: Accept or reject fund transfer requests with approval controls.
- Fund Transfer Request: Initiate fund transfer requests between branches with justification.
- Product Receive Approval: Approve received product transfers with verification.
- Product Transfer Request: Send product transfer requests to other branches with item details.
- Branch Transfer Statement: Track the history of all inter-branch transfers with full details.
Cash Management
The Cash Management module streamlines how field officers and cashiers handle physical cash. With features like cash acceptance from the field, internal cash transfers, and real-time cashier balances, this module ensures secure and transparent cash handling with complete transactional traceability.
Key Features :
- Cash Transfer: Transfer cash between users or locations with approval workflow.
- Cashier Balance: Track available cashier balances in real time.
- Cash Transaction Details: View and report detailed records of all cash movements.
- Cash Accept By Field Officer: Allow field officers to receive and submit cash securely.
Payroll Management
The Payroll module manages employee salary operations efficiently—from salary structure setup to disbursement tracking. Employees can view their pay slips, while the organization monitors salary account balances and disbursement details in real time.
Key Features:
- My Payslip: Allow employees to access their digital pay slips securely.
- Salary Disbursement: Disburse monthly salaries directly through the system.
- Employee Salary Setup: Define and configure salary structures for each employee.
- Salary Account Balance: Monitor the balance of salary payment accounts in real time.
- Disbursed Employee List: View the list of employees who received salary in a given cycle.
- Salary Disbursement List: Track all completed salary disbursements by date and employee.
User Management
The User Management module allows administrators to create and manage user accounts, assign group-based roles, and define specific user permissions. It ensures secure access control and role-based system usage across the organization.
Key Features :
- User List: View and manage all existing system users.
- Create New User: Add new users with login credentials and role assignments.
- User Permission: Customize individual user access to specific modules and actions.
- Group Permission: Assign role-based group permissions to streamline access control.
SMS Management
The SMS Management module enables efficient communication with members through customizable SMS templates, single or bulk message sending, and automated alerts for loans and member activities. Keep track of all sent messages with detailed history.
Key Features:
- SMS Template: Create and manage reusable SMS message templates.
- Bulk SMS Sent: Send mass messages to multiple members at once.
- Single SMS Sent: Send individual SMS to specific members as needed.
- Member SMS Setup: Configure SMS preferences for individual members.
- SMS Sent History: View detailed history of all sent messages.
- Loan Alert SMS Setup: Set up automated SMS alerts for loan disbursement and installments.
Installment Reports
The Installment Reports module provides a comprehensive overview of all collection activities, including deposit and loan installment tracking, target-based performance analysis, and detailed reporting for field operations. Easily monitor, compare, and evaluate collection efficiency across branches and officers.
Key Features :
- DCR Report: Daily Collection Register with transaction and amount summary.
- Collections Sheet: Daily detailed report of all collections made.
- Collections Top Sheet: High-level consolidated sheet for executive view of all collections.
- Field Officer Reports: Get field-wise reports of collections and activities.
- Target Vs Achievement: Compare field officers' or branches' collection targets with actual performance.
- Loan Collections Sheet: Monitor all loan installment payments received.
- Loan Collections Details: Loan-specific installment collection breakdowns.
- Deposit Collections Sheet: Track all deposit installment collections.
- Collections Details Report: Comprehensive transaction-wise report of each collection.
- Collections Summary Report: Summarized overview of all collection types for a selected period.
- Loan Collections Sheet With Target: Compare actual loan collections against predefined targets.
- Deposit And Loan Collections Report: Combined report showing both deposit and loan collections.