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9 Central Banks • 47 PDF Reports • BIRT Engine • 1-Click Deploy

Africa’s #1 Microfinance Platform

The only Mifos provider with pre-built regulatory PDF reports for 9 African central banks. Apache Fineract 1.15.0 with BIRT reporting engine, automated prudential returns for RBZ, BOZ, CBK, BOT, BOU, BdM, BNR, BOG, and RBM. Deploy in minutes, submit to your regulator in one click.

💰 Get Pricing 🎯 Book Demo
🏦 Platform at a Glance

47

PDF Reports

9

Central Banks

1.15.0

Fineract Version

BIRT

PDF Engine
🌍 Countries Supported
  • 🇿🇼 Zimbabwe (RBZ) • 🇿🇲 Zambia (BOZ) • 🇰🇪 Kenya (CBK)
  • 🇹🇿 Tanzania (BOT) • 🇺🇬 Uganda (BOU) • 🇲🇿 Mozambique (BdM)
  • 🇷🇼 Rwanda (BNR) • 🇬🇭 Ghana (BOG) • 🇲🇼 Malawi (RBM)
  • ✅ Balance Sheet, Income Statement, PAR, Classification
  • ✅ Capital Adequacy with country-specific ratios
  • ✅ Loan Agreement Forms with repayment schedules

🏦 Regulatory Compliance for Africa

Pre-built prudential returns for 9 African central banks. Professional PDF reports formatted for direct submission — no consultants needed.

  • Balance Sheet (BS1): Statement of Financial Position with CEO/CFO sign-off blocks
  • Income Statement (BS2): Revenue, expenses, provisions, net profit/loss
  • PAR Analysis: Portfolio at Risk — PAR1, PAR30, PAR60, PAR90 with regulator thresholds
  • Loan Classification: Country-specific provisioning rates (Current/Watch/Substandard/Doubtful/Loss)
  • Capital Adequacy: With regulator-specific minimum ratios (8%-15%)
  • Gender Outreach: Financial inclusion metrics for female/male/youth borrowers
  • Large Exposures: Top 20 borrowers, single-borrower concentration limits
  • Loan Agreement Forms: Auto-generated with repayment schedule and signature blocks
📋 Reports by Country
CountryRegulatorPDF Reports
🇿🇼 ZimbabweRBZ6 reports
🇿🇲 ZambiaBOZ5 reports
🇰🇪 KenyaCBK5 reports
🇹🇿 TanzaniaBOT5 reports
🇺🇬 UgandaBOU5 reports
🇲🇿 MozambiqueBdM5 reports
🇷🇼 RwandaBNR5 reports
🇬🇭 GhanaBOG5 reports
🇲🇼 MalawiRBM5 reports
TOTAL47 PDF reports

📊 BIRT PDF Reporting Engine

47 professional PDF reports — generate regulator-ready prudential returns with one click

47

PDF Report Templates

9

Central Banks

5

Output Formats

1-Click

Per Country
🇿🇼 Reports Per Country
CountryRegulatorPDF Reports
🇿🇼 ZimbabweRBZ6 reports
🇿🇲 ZambiaBOZ5 reports
🇰🇪 KenyaCBK5 reports
🇹🇿 TanzaniaBOT5 reports
🇺🇬 UgandaBOU5 reports
🇲🇿 MozambiqueBdM5 reports
🇷🇼 RwandaBNR5 reports
🇬🇭 GhanaBOG5 reports
🇲🇼 MalawiRBM5 reports
📄 Report Types Included
  • ✅ Balance Sheet (BS1) — Statement of Financial Position with CEO/CFO sign-off
  • ✅ Income Statement (BS2) — Revenue, expenses, net profit/loss
  • ✅ PAR Analysis — Portfolio at Risk (PAR1, PAR30, PAR60, PAR90)
  • ✅ Loan Classification — Country-specific provisioning rates (SI 205/2000, CBK/PG/MFB/04)
  • ✅ Capital Adequacy — With regulator-specific minimum ratios
  • ✅ Gender Outreach — Financial inclusion metrics (female/male/youth)
  • ✅ Large Exposures — Top 20 borrowers, single-borrower limits
  • ✅ Loan Agreement Forms — With repayment schedule and signature blocks

Output formats: PDF • Excel (XLS/XLSX) • HTML • CSV — All via REST API or Web App

📊 See Report Demo

Core Banking Funktionen

💰 Loan Management

Individual and group lending. Flat, declining balance, compound interest. Flexible repayment (daily, weekly, monthly). Collateral management. Kredit restructuring. Arrears tracking. Write-off management. Kredit provisioning (IFRS 9).

🏦 Savings & Deposits

Sparen accounts, current accounts, fixed deposits, recurring deposits. Interest calculation and posting. Minimum balance rules. Dormancy management. Withholding tax on interest (ZIMRA). Einlage protection levy.

📱 Mobile & Digital Banking

Mobile Banking app (Android/iOS). USSD banking for feature phones. Internet banking portal. EcoCash, OneMoney, Innbucks integration. Airtime and bill payments. QR code payments.

💱 Multi-Currency

ZWG, USD, ZAR, BWP, GBP, EUR. Live exchange rates. Multi-Währung accounts. Cross-currency transfers. RBZ exchange rate compliance. SADC cross-border settlements.

📊 Accounting & GL

Double-entry general ledger. Chart of accounts (RBZ-aligned). Automated journal entries from transactions. Trial balance, P&L, balance sheet. IFRS-compliant financial statements. Audit trail.

👥 Client & Group Management

Individual and group clients. KYC document management. National ID verification. Group lending methodology. Centre/group/member hierarchy. Cliente lifecycle tracking.

💳 Payments & Transfers

Internal transfers. RTGS/ZIPIT integration. Bulk disbursements. Standing orders. Salary processing. Mobile money disbursement. Zahlung gateway integration.

🔒 AML & KYC

Know Your Kunde verification. Suspicious Transaction Reports (STR). Cash Transaction Reports (CTR). Sanctions screening. PEP screening. Transaction monitoring. RBZ AML compliance.

📈 Reporting & BI

Pentaho reporting engine. Personalizado dashboards. Portfolio at Risk (PAR). Operational self-sufficiency. Devolución on assets. Yield on portfolio. RBZ regulatory reports. Board reports.

🌍 African Payment & Banking Integrations

Mobile Money (All Countries)

M-Pesa (KE, TZ, MZ), MTN MoMo (GH, UG, RW, ZM), EcoCash (ZW), Airtel Money, Tigo Pesa, TNM Mpamba. Loan disbursement and repayment via mobile wallets.

Real-Time Payments

RTGS/ZIPIT (ZW), PesaLink (KE), ZIPSS (ZM), TISS (TZ), EFT (GH). Bulk salary processing. Inter-bank transfers. Standing orders.

Multi-Currency Support

USD, ZWG, KES, TZS, UGX, ZMW, MZN, RWF, GHS, MWK, ZAR, BWP. Live exchange rates. Cross-currency accounts. SADC cross-border settlements.

Tax Authority Integration

ZIMRA (ZW), KRA (KE), TRA (TZ), URA (UG), ZRA (ZM), GRA (GH), MRA (MW), RRA (RW). Withholding tax, VAT, fiscal compliance.

Credit Bureau Reporting

TransUnion, Metropol (KE), Dun & Bradstreet. Automated credit checks. Monthly portfolio submission. Negative listing management.

AML/KYC Compliance

Know Your Customer verification. Suspicious Transaction Reports (STR). Sanctions screening. PEP screening. Transaction monitoring. All regulators supported.

Wen Wir Bedienen

🏢
Mikrofinanzinstitute

Licensed MFIs across Africa. Group and individual lending. Savings mobilisation. Full regulatory compliance for your central bank.

👥
SACCOs & Credit Unions

Member management. Share capital. Loan products. Dividend calculation. AGM reporting. Popular in Kenya, Uganda, Tanzania, Rwanda.

📱
Digital Lenders

Mobile-first lending. Instant credit scoring. Automated disbursement via M-Pesa, MTN MoMo, EcoCash. Digital collections.

🏦
Gemeinschaftsbanken

Full banking operations. Deposit taking. Lending. Payments. Treasury. Multi-branch networks across Africa.

Integrate with PayGuard

PayGuard is our salary-based deduction platform that connects directly to your Mifos X instance. When government payroll processes civil servant deductions, PayGuard automatically posts loan repayments to Mifos — no manual entry required.

  • Auto loan repayments — deductions posted to Mifos in real-time
  • Loan verification — confirm loan exists before accepting stop order
  • Batch sync — push entire monthly payroll to Mifos in one operation
  • Reconciliation — match expected vs received with one click
Learn More About PayGuard → Launch PayGuard
🛡️ PayGuard + Mifos Flow
1Civil servant takes loan from MFI
2MFI creates stop order in PayGuard
3Gov processes monthly payroll deductions
4PayGuard auto-posts repayment to Mifos
5Loan balance updated automatically

💰 Implementation Packages

Select a package, configure, and get your quote

Credit-Only Starter

$5,000

Credit-only MFI
  • ✅ Unlimited loan products
  • ✅ Client & group management
  • ✅ Basic RBZ reports
  • ✅ Training (5 users)
  • ✅ 3 months support
  • ✅ Cloud hosting (1 year)
⭐ Full MFI Package

$15,000

Am Beliebtesten
  • ✅ Loans & savings
  • ✅ Mobile banking setup
  • ✅ Full RBZ compliance
  • ✅ EcoCash integration
  • ✅ Training (15 users)
  • ✅ 6 months support
  • ✅ Custom reports
  • ✅ Cloud hosting (1 year)
Empresarial

$30,000+

Full digital bank
  • ✅ Everything in Full MFI
  • ✅ Custom module development
  • ✅ Payment gateway integration
  • ✅ Multi-branch setup
  • ✅ RTGS/ZIPIT integration
  • ✅ Unlimited training
  • ✅ 12 months support
  • ✅ Dedicated account manager

⚙️ Configure Your Package

$2,000/extra branch
$50/user
Base package:$0
Extra branches (0):$0
Extra training:$0
Mobile Banking:$0
Zahlung integration:$0
TOTAL:$0
Jährlich support (Year 2+): $0/yr (20% of implementation)
☁️ Cloud Hosting: All Mifos instances are hosted on prinsoft.cloud. Hosting from $149/month.
💡 Use the same email address here and on prinsoft.cloud to link your accounts and activate hosting automatically after implementation.

Ready to Transform Your Finanziell Institution?

47 PDF regulatory reports. 9 central banks. One platform. From $149/month on PrinSoft Cloud.

🎯 Book Demo ☁️ Deploy on PrinSoft Cloud 💬 WhatsApp Us
Serving MFIs in Zimbabwe, Zambia, Kenya, Tanzania, Uganda, Mozambique, Rwanda, Ghana, and Malawi
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