1. 1 MIFOS INTRODUCTION February, 2010

2. 2 Core Technology  Centralized  Access data in real-time  Web-Based  Access Anywhere  AAA Security  Authentication – Who are you?  Authorization – What can you do?  Auditing – What did you do?  Detailed Roles + Permissions  Loan Officer can only see their accounts  Users limited to seeing data below their assigned office

3. 3 Client Accounts  Supports centers, groups and individuals  Create, edit, approve, decline, close, and move accounts  Track performance  Loan Cycle (Aggregated and per product)  Attendance Record  Delinquent and Total Loan Portfolio  Amount of Last loan… and more  Add notes and surveys, and change meeting schedule  Assign Group and Center Roles  Apply and waive client fees (re-occurring, at account creation or one time)

4. 4 Loan Management  Create, edit, approve, decline, disburse, and close loan accounts  Apply fees before disbursement, during disbursement, during first payment, for every payment or at will during term of the loan. Apply penalties at will.  Apply payments, make adjustments, repay the rest of the loan and forgive interest  Apply Notes  Show Performance History (days in arrears, payment history), running balance, repayment schedule and transaction history  Limit Product Mix

5. 5 Savings Management  Create, edit, approve, decline, and close loan accounts  Make deposits, withdrawals, and adjustments  Add Notes  Show performance history (total deposits, total interest, …), view account activity, and transaction history

6. 6 Bulk Collection Sheet Entry  Pay by Center  Transactions for group and individual loans  Transactions for center, group and individual savings  Repayments  Disbursals  Deposits  Withdrawals  Attendance  Client Charges  Mode of payment  Receipt ID and Date

7. 7 Other Bulk Options  Bulk Approve loans  Create multiple loan accounts – Limited Detail  Select participants  Loan Amount  Defaults to default term length  Purpose of Loan

8. 8 Administration  Reverse and Re-do (reschedule) loans  Holiday Support  Create and manage fees, loan and client products  Manage staff accounts  Manage Office hierarchy  Create and Manage surveys  Manage funders

9. 9 Reporting & Admin Docs  Reporting  On-time, in real time  Control access at all levels of org  Multiple export formats (Excel, Word, PDF, etc)  Admin Docs  Attach a report to loans and savings detail pages, based on status of account Loan – Partial Application, Application Pending Approval, Application Approved, Active in Good Standing, Loan Fully Paid, Written off Loan, Rescheduled Loan, Active in Bad Standing, Canceled, Customer Account Active, Customer Account Inactive Savings – Partial Application, Application Pending Approval, Canceled, Active, Closed, Inactive

10. 10 Other Notes  Centers are auto-approved  Can blacklist clients  Search by first name, last name, and account id  Users can change some of their details  Import Transactions