Solutions
Made for how you do business
Choose your company type when you sign up. You get the screens, words and reports for your kind of business, and your customers get an app to match.
For SACCOs
Run your cooperative the way your bylaws say
Members join, save, buy shares and borrow against them. Committees approve, the board oversees, and at year-end the surplus goes back to members. Prograte keeps all of it in one set of books.
For your staff
- Membership applications, approvals, fees and welfare
- Savings products, fixed deposits, interest runs and withdrawal approvals
- Share register with transfers and the one-third cap
- Loans against savings, member guarantors and committee approval
- Savings groups (VSLA): meetings, group loans and share-out
- Accounting, prudential ratios, regulatory returns and year-end dividends
- Governance: committees, meetings, AGM resolutions
- Dormant accounts, member exits and payroll check-off
For your members
- Balances for savings, shares and loans
- Deposit, repay and buy shares by mobile money
- Apply for a loan and accept guarantor requests
- Statements and share certificate as PDF
- USSD for members without a smartphone
For money lenders
Lend more, chase less
Set up your loan products once, then let officers create loans in the field. Approvals follow your tiers, payouts go by cash or mobile money, and the system tells you who is late before it's a problem.
For your staff
- Loan products with flat or reducing interest and any repayment frequency
- Approval tiers by amount, maker-checker on every loan
- Collateral with photos and papers, and guarantors
- Disburse by cash, MTN, Airtel or bank
- Repayments, payoff quotes, restructuring and write-offs
- PAR, risk classification and provisioning
- Credit bureau checks and reporting
- Capital, wallet and branch cash
For your customers
- Loan balance and next instalment
- Repay or pay off from their phone
- Apply for a new loan online
- Notifications before each due date
For credit sales
Sell on credit without the paperwork
Phones, motorbikes, solar, appliances: list the products, agree the down payment and plan, deliver, and collect the instalments by mobile money. Documents are released when the last shilling arrives.
For your staff
- Catalog with cash price, markup and stock
- Down payments and instalment plans per product
- Approval, delivery and document release
- Collections and arrears per sale
- Write-offs and payoff discounts
- Sales reports by product and branch
For your customers
- Browse the catalog and request a product
- Pay the down payment and instalments by mobile money
- See what's left on each purchase
- Pay off early
Not sure which fits?
Tell us how you work and we'll show you on a call.