14/05/2026
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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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 can 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.
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Get In Touch
Ready to see Chumasoft in action? Contact us today for a free demo.
📧 [email protected]
📞 +265 992 535 274
Chumasoft — Lending, Simplified.
