Mifos Banking Plattform
Zimbabwe’s most comprehensive core banking solution. Apache Fineract (Mifos) customised for RBZ regulatory compliance, SADC cross-border operations, and Zimbabwe’s multi-currency environment.
🏦 Platform at a Glance
10M+
Active Users40+
Länder500+
Institutions$5B+
Kredite Disbursed🇿🇼 Zimbabwe Customisations
- ✅ RBZ regulatory returns (BR1, BR2, BS1, BS2)
- ✅ Multi-currency (ZWG, USD, ZAR, BWP)
- ✅ EcoCash / OneMoney / Innbucks integration
- ✅ ZIMRA withholding tax on interest
- ✅ NSSA/PAYE payroll for staff
🏦 RBZ Regulatory Compliance
Purpose-built for Zimbabwe’s Reserve Bank requirements. Every report, every return, every deadline — automated.
- BR1 — Monthly Balance Sheet Return: Assets, liabilities, capital adequacy auto-generated from live data
- BR2 — Monthly Income Statement Return: Umsatz, expenses, provisions, profit/loss
- BS1 — Quarterly Prudential Return: Capital adequacy ratio, risk-weighted assets, large exposures
- BS2 — Quarterly Liquidity Return: Liquid assets ratio, maturity gap analysis
- Credit Reference Berichterstattung: Automatizado submission to credit bureaus
- Anti-Money Laundering (AML): KYC verification, suspicious transaction reporting (STR), threshold monitoring
- Foreign Währung Returns: Multi-Währung position reporting, exchange rate compliance
📋 RBZ Reports Generated
| Bericht | Frequency | Estado |
|---|---|---|
| BR1 Saldo Sheet | Monatlich | ✅ Auto |
| BR2 Income Statement | Monatlich | ✅ Auto |
| BS1 Prudential | Trimestral | ✅ Auto |
| BS2 Liquidity | Trimestral | ✅ Auto |
| Large Exposures | Trimestral | ✅ Auto |
| Credit Bureau | Monatlich | ✅ Auto |
| AML/STR | As needed | ✅ Auto |
| Foreign Währung | Täglich/Monatlich | ✅ Auto |
| Einlage Protection | Trimestral | ✅ Auto |
| Jährlich Audited Accounts | Jährlich | ✅ Template |
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.
🇿🇼 Zimbabwe & SADC Integrations
EcoCash / OneMoney / Innbucks
Kredit disbursement to mobile wallets. Repayment collection via mobile money. Echtzeit transaction confirmation. Bulk disbursement.
RTGS / ZIPIT
Echtzeit gross settlement integration. ZIPIT instant payments. Bulk salary processing. Inter-bank transfers.
ZIMRA Tax Konformität
Withholding tax on interest (15%). PAYE for staff payroll. NSSA contributions. Trimestral tax returns. Jährlich tax certificates for depositors.
Credit Bureau Integración
TransUnion, Dun & Bradstreet. Automated credit checks on loan application. Monthly portfolio submission. Negative listing management.
SADC Cross-Border
Grenzüberschreitend remittances (SA, Botswana, Zambia, Mozambique). Multi-Währung settlement. SADC payment system compliance. Diaspora products.
Einlage Protection Corporation
DPC levy calculation. Quarterly returns. Insured deposit reporting. Konformität monitoring.
Wen Wir Bedienen
Mikrofinanzinstitute
RBZ-licensed MFIs. Group and individual lending. Sparen mobilisation. Full regulatory compliance.
SACCOs & Credit Unions
Member management. Share capital. Kredit products. Dividend calculation. AGM reporting.
Digital Lenders
Mobil-first lending. Instant credit scoring. Automatizado disbursement. Digital collections.
Gemeinschaftsbanken
Full banking operations. Einlage taking. Lending. Zahlungen. Treasury. Branch network.
💰 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
Ready to Transform Your Finanziell Institution?
RBZ compliant. Multi-Währung. Mobile money integrated. Ab $5,000.
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