22/06/2026
🚀 Is your Microfinance still running on spreadsheets or outdated software?
Meet Chumasoft — The Complete Loan Management System Built for Modern Lenders.
Whether you run a microfinance institution, SACCO, or lending company, Chumasoft gives you everything you need to
manage your loan portfolio with confidence — from first application to final repayment.
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⚙️ CORE FEATURES
👥 Customer Management
✅ Onboard Individual, Group, and Business clients with full KYC workflows
✅ Multi-level customer approval process with document uploads
✅ Customer self-service portal for applications and payments
💰 Loan Lifecycle Management
✅ Full lifecycle: Application → Approval → Disbursement → Repayment → Closure
✅ Multi-level loan approval workflows
✅ Automatic repayment schedule generation (reducing balance & straight-line)
✅ Daily interest accrual with catch-up capability
⚠️ Risk & Collections
✅ Arrears tracking and overdue flagging
✅ Automated penalty calculation
✅ Portfolio at Risk (PAR) reporting
✅ Loan classification per regulatory standards
✅ Write-off management and recovery tracking
✅ Provision movement reporting
📊 Accounting Integration
✅ Full double-entry General Ledger built in
✅ Journal entries, trial balance, balance sheet, income statement
✅ GL mappings configurable to your chart of accounts
✅ Fiscal period management
📈 Reporting Suite
✅ 15+ reports: PAR, collections, disbursements, arrears, revenue, CRB, loan aging, portfolio summary and more
✅ Export to Excel and PDF
🎯 CRM
✅ Lead pipeline management
✅ Loan officer follow-up tracking
✅ Convert leads directly to loan applications
🔒 Security & Compliance
✅ Role-based access control with granular privileges
✅ Branch-level access restrictions
✅ Two-factor authentication
✅ Full audit trail on all actions
🛠️ Additional Tools
✅ Collateral management
✅ Document management with folder permissions
✅ SMS & email notifications
✅ AI-powered chat assistant
✅ Calendar & holiday management
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📱 CUSTOMER SELF-SERVICE PORTAL
Your customers don't need to visit a branch to do business with you.
Chumasoft includes a dedicated customer mobile app and web portal that puts your clients in control:
✅ Apply for loans online from anywhere, anytime
✅ View loan balances, repayment schedules, and transaction history
✅ Make loan repayments directly through the portal
✅ Receive real-time notifications on loan status and due dates
✅ Upload required documents from their phone
💬 Less queuing. Less paperwork. Happier customers.
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💬 WHATSAPP BOT
Your customers can check their loan balance, get repayment schedules, and receive instant updates — all through
WhatsApp. No app download needed. Works on any smartphone.
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📟 USSD MENU
No smartphone? No internet? No problem.
Customers can access their loan information and make payments via USSD — works on every mobile phone across any
network.
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📲 MOBILE MONEY INTEGRATION
Chumasoft integrates directly with Malawi's leading mobile money platforms:
✅ TNM Mpamba — accept repayments and disburse loans via Mpamba
✅ Airtel Money — seamless collections and disbursements through Airtel Money
Customers repay from their phone without visiting a branch. Payments reflect instantly in the system, updating loan
balances and repayment schedules automatically.
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🔧 BUILT FOR FLEXIBILITY
Every lender is different — Chumasoft is built to match you, not the other way around.
✅ Configure any number of loan products with your own interest rates, repayment frequencies, periods, and charge
structures
✅ Define complex charging rules — upfront fees, processing charges, insurance, penalties — all tied to specific
products
✅ Set approval thresholds so different loan amounts require different levels of authorization
✅ Override interest rates, frequencies, and methods per loan where your product allows it
✅ Multi-branch support — run one system across all your branches with branch-level reporting and access control
✅ Custom GL mappings — connect Chumasoft to your existing chart of accounts
✅ Privilege groups — define exactly what each staff role can see and do
From a simple salary advance product to complex group lending with tiered charges and multi-level approvals —
Chumasoft handles it all.
💡 Already customised for institutions across Malawi — we can customise for your Microfinance too.
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🎁 Try it FREE for 14 days — no credit card needed.
👉 Register for your free demo: https://chumasoft.com/get-started
🌐 Learn more: https://chumasoft.com
📧 [email protected]
📞 +265 99 253 5274
Chumasoft — Lending, Simplified.
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