1. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Micro Financer Standard Edition From. Elitser IT Solutions India Pvt. Ltd. #303, Aditya Trade Center Ameerpet, Hyderabad – 38. 91-40-23753232, 23751828 Email: contact@elitser.comcontact@elitser.com

2. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Member Information Configuration Loans Savings Financial Accounting Reports MIS Reports Post Dated Cheques (PDC) Security Processes Financial Budget Fund Planning Installation Search Help Consolidation Module PDA and Other Devices Loan Processing Data Porting Micro Financer Overview

3. www.elitser.com Elitser IT Solutions India Pvt. Ltd. CLIENT INFORMATION INVESTIGATIONS LOAN APPRAISAL LOAN APPROVAL LOAN DISBURSEMENT REPAYMENTS LOAN LEDGERS LOAN HISTORY REPORTS FINANCIAL REPORTS OPERATING REPORTS SUPERVISORY REPORTS MANAGEMENT REPORTS EXTERNAL REPORTS Overview of Micro Financer Standard Edition LOAN CLOSURE GENERAL RECEIPTS GENERAL PAYMENTS GL CONFIGURATION RODUCTCONFIG. SECURITY BUSINESS RULES RECTIFICATION ENTRIES INTEREST CALCULATIONS DEPOSITS WITHDRAWALS LEDGERS

4. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Member Information Detailed Member information is captured through Member Information screens. Member provides his personal details at the time of registration with NGO. Assets, Investigation details will be obtained and entered by Field Officers during their personal visit to member house when the member applies a loan. Investigation Details: Socio Economic Indicators House Hold Members Housing Details Credit History Savings History Background Checking Court Case Details Identification Details Employment Details Proof of Payment Assets: Personal Assets Real Assets Business Assets Poultry/Live Stock

5. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Loan Processing module takes care of capturing details of Cash flow, Credit Scoring of a loan applicant and gives maximum loan amount eligible as an input to the loan recommendation process. The following steps summarizes the Loan Processing Module activity. Loan Processing: 1.Cash Flow 2.Credit Scoring 3.Loan Recommendation Loan Processing

6. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Cash Flow Analysis Cash flow : To assess the borrowers capacity to repay and determine the loan amount based on the borrowers Household & Business income/ expenses. Cash Flow Adjustment Factor(CFAF): Is a percentage over borrowers net income to arrive at repayment capacity. Debt Capacity Analysis: Repayment capacity of the borrower as per Daily/Weekly/Monthly cash flow. Maximum Loan Amount: Borrowers repayment capacity times No of Installments.

7. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Credit Scoring The Credit-Scoring measures the Maximum Loan Amount and relative risk of each borrower based on Cash Flow Information and various criteria like Borrowers Profile, Business Profile, Assets and Liabilities, Credit History and Savings History Points: Each profile is allotted some points(User Configurable). Weightage : Each profile is allotted some Weightage (User Configurable). Weighted Score: Points X Weightage Cash Flow Adjustment Factor(CFAF): Is a user configurable percentage based on the total points scored by the borrower. Maximum Loan Amount: Monthly cash flow from Cash Flow Data x Cash Flow Adjustment Factor(CFAF) and multiplies it by number of installments to arrive at maximum loan amount. Risk Classification: Risk classification is arrived based on the total points scored and the weighted score.

8. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Loan Recommendation Cash Flow Analysis:The Cash Flow Analysis tab information is automatically filled up from the data entered in Cash Flow Analysis. Appraisal of Collaterals : The information under the Appraisal of Collaterals tab shows assets which are flagged as collateral. Loan Assessment : Data picked up from credit scoring, personal details and old loan accounts history of the borrower. Loan Approval: Loan Sanction details including the amount and terms of loans and the purpose.

9. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Loans module handles total life cycle of Micro Credit activity. Starting from products to the repayments and closure of loans. The following steps summarizes the Loan Module activity. Micro Credit Activity: 1.Loan Products Definition 2.Service Charges Definition 3.Loan Account Creation 4.Loan Disbursement 5.Loan Repayment 6.Re-Scheduling Loan 7.Pre-Closure Loan Module

10. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Loan Products Loan Product CreationLoan Repayment Schedule

11. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Savings module handles total life cycle of Savings activity. Starting from products to the deposits and withdrawal of savings. The following steps summarizes the Savings Module activity. Savings Activity: Savings Products Definition Service Charges Definition Savings Account Creation Deposits Withdrawals Interest Calculations/Postings Ledgers Savings Module

12. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Savings DepositsWithdrawals

13. www.elitser.com Elitser IT Solutions India Pvt. Ltd. FA- Reports 1.Trial Balance 2.Trial Balance T- Format 3.Trial Balance Between Dates 4.Balance Sheet 5.Income & Expenditure 6.Day Books 7.General Ledger 8.Receipts & Payments 9.Receipts Scroll 10.Payments Scroll 11.Voucher Printing Note: All above reports can be generated As on Date/Between Dates/Comparative

14. www.elitser.com Elitser IT Solutions India Pvt. Ltd. MIS Reports 1.Member Personal Details 2.Means Test 3.Member Cash Flow 4.Member Credit Scoring 5.Loan Recommendation 6.Loan Repayment Schedule 7.Loan Ledger 8.Savings Ledger 9.Demand Note 10.Collection Due Report 11.Performance Ratio 12.Drop Out List 13.Product Performance Report MIS - Operating Reports 1.Summary of Loan Releases 2.Active Clients Served Per Area Coverage 3.Over All MF Program Status Report (PSR) 4.Schedule of Loan portfolio and Accommodations MIS - Funder Reports

15. www.elitser.com Elitser IT Solutions India Pvt. Ltd. MIS-Management Reports 1.Listing of Loans 2.Savings Listing 3.Delinquency Report 4.Portfolio At Risk(PAR) 5.PAR by Ageing and Business Activity 6.PAR by Loan Amount and Business Activity 7.Loan Profile by Gender 8.Interest Collected by MF Unit 9.Performance by AO (Field Officer) 10.Demand Statement 11.Ageing by Member 12.Savings Defaulters Statement 13.Schedule of Micro Finance Loans 14.Client Status Report 15.Monthly Report 16.Unit Monthly Summary 17.AO Monthly Summary 18.Daily Collection Sheet 19.Monthly Beginning Balance Savings & Loans Per Group 20.Monthly Beginning Balance Savings & Loans Per AO 21.Pass Book 22.Monthly Report on Loans 23.Monthly Report on Savings 24.Loan Disbursement Master roll 25.Loan Application 26.Cash Book Payment Side 27.Cash Book Receipts Side

16. www.elitser.com Elitser IT Solutions India Pvt. Ltd. This module helps the organization to plan their funds flow based on certain parameters. Fund planning can be planned either Group Wise or Unit Wise. Fund Planning: 1.Projections 2.Projections Vs Actuals 3.Surplus/Deficit Fund Planning

17. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Other Features Security – Role & Rights Manager Security – User Manager Configuration: GL Configuration Parameters Configuration Audit Trial Configuration User Defined Label Captions

18. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Integration of Other Devices DEVICEINTERFACE Off Line Mode Member Details Loan/Savings Acc Details Demand Information MFSEApplication Synchronize with Device Upload Data to Device Extract Data from Device Display Demand Details Record Collections Issue of Receipts Synchronize with Server Upload Data to Server Hand Held Devices Online Mode Off Line Mode Request Demand Info. From Sever(If Online)

19. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Export Data Configuration Daily Transactions Periodic Reporting Export Data to HO Folders (Branch Office) Data Transfer (CD/Floppy/Internet) Import Data from Branch Folders Consolidated Reports Generation Import Data Configuration (Head Office) Repetitive Activity One Time Activity Export/Import Overview

20. www.elitser.com Elitser IT Solutions India Pvt. Ltd. Data Porting For further details contact@elitser.com