Mifos Banking Platform
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+
Countries500+
Institutions$5B+
Loans 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: Revenue, 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 Reporting: Automated submission to credit bureaus
- Anti-Money Laundering (AML): KYC verification, suspicious transaction reporting (STR), threshold monitoring
- Foreign Currency Returns: Multi-currency position reporting, exchange rate compliance
📋 RBZ Reports Generated
| Report | Frequency | Status |
|---|---|---|
| BR1 Balance Sheet | Monthly | ✅ Auto |
| BR2 Income Statement | Monthly | ✅ Auto |
| BS1 Prudential | Quarterly | ✅ Auto |
| BS2 Liquidity | Quarterly | ✅ Auto |
| Large Exposures | Quarterly | ✅ Auto |
| Credit Bureau | Monthly | ✅ Auto |
| AML/STR | As needed | ✅ Auto |
| Foreign Currency | Daily/Monthly | ✅ Auto |
| Deposit Protection | Quarterly | ✅ Auto |
| Annual Audited Accounts | Annual | ✅ Template |
Core Banking Features
💰 Loan Management
Individual and group lending. Flat, declining balance, compound interest. Flexible repayment (daily, weekly, monthly). Collateral management. Loan restructuring. Arrears tracking. Write-off management. Loan provisioning (IFRS 9).
🏦 Savings & Deposits
Savings accounts, current accounts, fixed deposits, recurring deposits. Interest calculation and posting. Minimum balance rules. Dormancy management. Withholding tax on interest (ZIMRA). Deposit 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-currency 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. Client lifecycle tracking.
💳 Payments & Transfers
Internal transfers. RTGS/ZIPIT integration. Bulk disbursements. Standing orders. Salary processing. Mobile money disbursement. Payment gateway integration.
🔒 AML & KYC
Know Your Customer verification. Suspicious Transaction Reports (STR). Cash Transaction Reports (CTR). Sanctions screening. PEP screening. Transaction monitoring. RBZ AML compliance.
📈 Reporting & BI
Pentaho reporting engine. Custom dashboards. Portfolio at Risk (PAR). Operational self-sufficiency. Return on assets. Yield on portfolio. RBZ regulatory reports. Board reports.
🇿🇼 Zimbabwe & SADC Integrations
EcoCash / OneMoney / Innbucks
Loan disbursement to mobile wallets. Repayment collection via mobile money. Real-time transaction confirmation. Bulk disbursement.
RTGS / ZIPIT
Real-time gross settlement integration. ZIPIT instant payments. Bulk salary processing. Inter-bank transfers.
ZIMRA Tax Compliance
Withholding tax on interest (15%). PAYE for staff payroll. NSSA contributions. Quarterly tax returns. Annual tax certificates for depositors.
Credit Bureau Integration
TransUnion, Dun & Bradstreet. Automated credit checks on loan application. Monthly portfolio submission. Negative listing management.
SADC Cross-Border
Cross-border remittances (SA, Botswana, Zambia, Mozambique). Multi-currency settlement. SADC payment system compliance. Diaspora products.
Deposit Protection Corporation
DPC levy calculation. Quarterly returns. Insured deposit reporting. Compliance monitoring.
Who We Serve
Microfinance Institutions
RBZ-licensed MFIs. Group and individual lending. Savings mobilisation. Full regulatory compliance.
SACCOs & Credit Unions
Member management. Share capital. Loan products. Dividend calculation. AGM reporting.
Digital Lenders
Mobile-first lending. Instant credit scoring. Automated disbursement. Digital collections.
Community Banks
Full banking operations. Deposit taking. Lending. Payments. 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
Most Popular- ✅ Loans & savings
- ✅ Mobile banking setup
- ✅ Full RBZ compliance
- ✅ EcoCash integration
- ✅ Training (15 users)
- ✅ 6 months support
- ✅ Custom reports
- ✅ Cloud hosting (1 year)
Enterprise
$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
We prepare a formal PDF quotation during your demo
Ready to Transform Your Financial Institution?
RBZ compliant. Multi-currency. Mobile money integrated. From $5,000.
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