Opening your secure workspace
Confirming your session and restoring your last page…
Active portfolio₦
₦00 active loansOpening your private records…
Live portfolio
What needs your attention today
Collected • 30 days✓
₦0Posted customer paymentsArrears!
₦00 overdue instalmentsActive customers♙
0Cloud customer recordsCollections
Due now and next
✓No collections dueUpcoming and overdue instalments will appear here.
Activity
Recent receipts
↗No payments postedYour latest receipts will appear here.
Stage 15 • Daily operations
Daily Operations Command Centre
Work the highest-priority exceptions across collections, approvals, pilots, cash close, KYC and liquidity from one controlled queue.
Open actions0
Critical / high0
Overdue exposure₦0
Approvals waiting0
Cash-close items0
KYC alerts0
Liquidity warnings0
No critical exceptions
The command queue is clear at the selected date.
Prioritised work queue
Exceptions requiring action
Open the source workspace to complete the action. Read-only roles can review but cannot post changes.| Priority | Exception | Branch | Exposure / variance | Age / due | Owner | Action |
|---|
Stage 16 • Automated control
Alerts & Escalation Centre
Assign operational exceptions, monitor response deadlines and retain acknowledgement and resolution evidence in one auditable workflow.
Active alerts0
Critical0
Escalated0
Response overdue0
Assigned to me0
Resolved / cleared0
All response deadlines are under control
Alerts are refreshed from the live Command Centre exception sources.
Assigned exception workflow
Alert register
Level 1 means the response deadline has passed. Level 2 means the management escalation deadline has passed.| Level | Alert | Branch | Assigned to | Response deadline | Exposure | Status | Action |
|---|
Response policy
Escalation rules
Owner and administrators can change service levels and default responsibility.| Alert type | Respond within | Escalate after | Default role |
|---|
Permanent evidence
Recent alert activity
Acknowledgements, assignments, resolutions and policy changes are retained in the audit trail.Stage 17 • Planning & accountability
Targets, Budgets & Variance Control
Set monthly branch plans, compare live results with targets and identify adverse variances before month-end.
Branches planned0 / 0
Target coverage0%
Metrics achieved0
Metrics at risk0
Collections vs target₦0 / ₦0
Cost vs budget₦0 / ₦0
Monthly plan is under control
Set branch targets to begin automatic variance monitoring.
Branch accountability
Actual versus target scorecard
Collections, disbursements, memo interest and overdue recovery should meet target. Operating cost and PAR 30 should remain within their ceilings.| Branch | Collections | Disbursements | Memo interest | Operating cost | Overdue recovery | PAR 30 | Overall |
|---|
Planning evidence
Recent target activity
Target creation and changes remain in the audit trail with the responsible user and branch.Management intelligence
Executive performance & cash-flow forecast
Monitor profitability, portfolio quality, branch performance and the expected cash position for the next 13 weeks.
Period collections₦
₦00.0% collection efficiencyMemo interest%
₦0Reporting record; not added to cashOperating cost↘
₦0Posted expenses in selected periodNet income≋
₦0Memo interest less operating costGross portfolio◫
₦0₦0 disbursed across 0 loansPAR 3030
0.0%₦0 overdueActual cash position⇄
₦0Reconciled checkpoints plus movementsForecast week 13→
₦0Projected closing cashSix-month direction
Collections, interest, costs and disbursements
Memo interest remains a management reporting record and does not increase total cash collection.Branch profitability
Executive branch scorecard
| Branch | Loans / Disbursed | Collections | Capital repayment | Efficiency | Memo interest | Operating cost | Net income | Portfolio | PAR 30 | Overdue |
|---|
Forward liquidity
13-week cash-flow forecast
Scheduled capital repayments drive forecast inflow. Default penalties are excluded; the selected portion of existing overdue capital is included in week 1.| Week | Period | Scheduled collections | Overdue recovery | Total inflow | Projected cost | Planned disbursement | Total outflow | Net cash flow | Closing cash | Memo interest |
|---|
Forecast interpretation: projected memo interest is shown only as a reporting record equal to 10% of forecast collections. It is not added to total inflow, so scheduled capital collections remain fully retained.
Organisation structure
Branches and sub-units
Create operating locations and assign customers so activity is reported in the right place.
Branches0
Sub-units0
Assigned customers0
Unassigned customers0
Operating locations
Branch register
| Code | Branch | Location | Sub-units | Customers | Status |
|---|
Teams and areas
Sub-unit register
| Branch | Code | Sub-unit | Location | Status |
|---|
Borrower register
Customers
Maintain borrower, business and guarantor details in one place.
| Customer | Branch / Sub-unit | Business | Contact | Loans | Active principal | Status |
|---|
Stage 11 • Customer due diligence
KYC & document management
Prepare identity checks, verify supporting documents and control when a customer is cleared for another loan.
Loan-ready customers✓
00% of active customersAwaiting review⌕
0Submitted for management decisionIncomplete records!
0Missing checks, approval or documentsDocument alerts▣
0No expiry alertsLoan-release control is in warning modeIncomplete KYC is reported, but it does not yet block a new loan.
Identity numbers are masked in registers and exports. Uploaded files accept PDF, JPG or PNG up to 5 MB.Customer clearance
KYC readiness register
Completion measures identity details, four verification checks and the documents required by policy.| Customer | Branch / Unit | Completion | Identity | Verification checks | Documents | Risk | KYC status | Action |
|---|
Secure document register
Customer documents
Verification history and expiry dates remain attached to the customer record.| Document | Customer | Branch | Type | Issue / Expiry | File | Status | Verification | Action |
|---|
Loan register
Loans and schedules
Track every facility from disbursement through full clearance.
Open loans0
Outstanding₦0
Overdue facilities0
Fully cleared0
| Loan / Customer | Model | Principal | Paid | Outstanding | Next due | Status |
|---|
Bulk repayment desk
Daily collections
Work through every repayment due, then handle unpaid balances in one place.
Customers in queue0
Expected repayment₦0
Outstanding shown₦0
Realised on date₦0
Cash realised
Branch collection split for selected date
Capital repayment remains the full amount collected. Memo interest is an additional 10% reporting record and is not added to the collection total.| Branch | Capital repayment | Memo interest | Penalty | Total collection |
|---|
Interest-only facilities • Capital verification
Principal Control
Record temporary principal returns and reimbursements. Staff submissions require Owner approval. Owner-entered movements post directly. Interest schedules are unchanged.
Principal currently held₦0
Reimbursements overdue (2 days)0
Interest-only loans0
Principal custody tracker
Reimbursement target: two calendar days after collection. Overdue is advisory; funds are never released automatically.| Customer / Loan | Original principal | Held by company | With customer | Overdue interest | Hold age | Alert |
|---|---|---|---|---|---|---|
| Loading… | ||||||
Stage 12 • Digital field collection
Collector Field Desk
Work today’s assigned route, post exact repayments, record visits and keep entries safe through a weak connection.
Checking connection0 entries waiting
01
Set your working contextChoose a date, location and collector to load the route
Customers on route⌖
0₦0 due or overdueField-posted today₦
₦00 completed entriesCollection target◎
₦0₦0 varianceDevice queue↻
0Stored on this device until syncedSafe field workflowEach tap receives a unique operation ID. A reconnect or repeated sync can return the same receipt, but cannot post the same entry twice.
02
Collection routeReview outstanding amounts and record field outcomes
Assigned daily route
Repayments due and overdue
Fully paid always posts the exact amount currently due. Use Partly paid for a smaller amount; Not paid creates a recovery record.03
Management oversightProgress, collection approvals and operational records
Supervisor view
Collector progress
Field-posted receipts and follow-up entries for the selected date.| Collector / Branch | Route | Route due | Target | Field collected | Variance | Paid / Partial | Not paid | Promises |
|---|
Owner-only control
Payments and Principal awaiting Owner confirmation
Payments from Record Payment, Collections, Liquidation and Principal Control are not posted until the Owner approves. Review each individually.| Submission | Entered by | Customer / Loan | Amount | Payment date | Status | |
|---|---|---|---|---|---|---|
| Loading… | ||||||
0 selected
Owner / authorised admin
Collector payment approval queue
Tick only the submissions you want to approve. Unticked submissions stay pending. Rejections require a reason.| Customer / Loan | Collector | Amount | Date | |
|---|---|---|---|---|
| Loading… | ||||
0 selected
This device
Pending synchronisation
Temporary entries remain only on this signed-in device until the Field Desk is open with a connection.Synced evidence
Recent field activity
Cash collection
Payment register
Post receipts and allocate each amount to the oldest unpaid instalment.
| Receipt | Date | Customer | Loan | Method | Amount |
|---|
Daily control desk
Cashbook & reconciliation
Bring collections and expenses together, then confirm each branch balance by payment channel.
Money in₦0
Money out₦0
Net movement₦0
Reconciliation variance₦0
Daily close
Branch reconciliation
Opening balances carry forward from the latest actual close. Enter the actual cash or account balance counted at day end.Period register
Cashbook transactions
| Date | Branch / Unit | Channel | Source / Ref | Description | Money in | Money out | Running balance |
|---|
Stage 10 • Finance control
Accounting & financial statements
Turn approved loan, collection, expense and write-off records into balanced journals and management accounts.
Cash & bank₦
₦0Cumulative ledger balanceGross loansL
₦0₦0 net of allowanceLoss allowance≋
₦0Expected credit-loss provisionPeriod net income↗
₦00 journal entriesPerformance
Profit or loss
Position
Financial position
Liquidity
Cash-flow summary
Control account
Trial balance
Cumulative balances up to the selected end date. Total debits must always equal total credits.| Code | Account | Type | Debit | Credit |
|---|
Double-entry register
Journal entries
Automatic journals come from operational source records; manual journals require balanced debit and credit lines.| Date | Journal / Source | Branch | Description | Debit | Credit | Details / Control |
|---|
Posting guide
Chart of accounts
| Code | Account | Class |
|---|
Period control
Closed months
Closed months reject new loans, collections, expenses, cashbook movements and journals.| Month | Closed by | Note | Control |
|---|
Portfolio quality
Credit risk & PAR
See which principal balances are exposed, how long repayments have been overdue, and where follow-up is needed.
Gross loan portfolio₦
₦00 open loansPAR 11
0.0%₦0 exposedPAR 3030
0.0%₦0 exposedAt-risk borrowers!
0₦0 overdueRisk ladder
Portfolio at risk
Ageing profile
Principal by oldest missed due date
Six-month direction
Delinquency trend
Month-end PAR percentages use the payment history available at each date.Branch comparison
Portfolio quality by branch
| Branch | Gross portfolio | PAR 1 | PAR 30 | Overdue amount | At-risk customers | Open loans |
|---|
Action list
Customer risk watchlist
| Customer / Loan | Branch / Unit | Risk status | Days past due | Missed | Principal exposed | Overdue due | Total outstanding | Phone |
|---|
How PAR is calculated: if a loan has at least one unpaid instalment past its due date, its entire outstanding principal enters the relevant PAR bucket. Penalties are excluded from the portfolio denominator, but remain included in overdue amounts.
Credit-risk glossaryPlain-language meaning of the terms used on this page＋
The total principal still unpaid on all open loans. It excludes penalties and the separate memo-interest record.
The percentage of outstanding principal linked to loans with an overdue instalment. It measures how much capital is exposed to repayment risk.
PAR 1 covers loans at least 1 day overdue; PAR 7 covers 7 days or more; PAR 30 covers 30 days or more. PAR 30 indicates more serious default risk.
A loan with a repayment delay serious enough to require follow-up. On this dashboard, “At risk” means the oldest unpaid instalment is 8–30 days overdue.
The number of days since the oldest unpaid instalment became due. It determines the loan’s ageing and risk category.
A repayment that was not fully paid by its due date. A delinquent loan is therefore an overdue loan.
A month-by-month view showing whether PAR 1 and PAR 30 are rising or falling. Rising percentages mean repayment quality is worsening.
A grouping based on the oldest unpaid due date: current, 1–7, 8–30, 31–60, 61–90 or 91+ days.
The entire unpaid principal of a loan that has entered a PAR category—not only the missed instalment.
The instalments already due but unpaid, including any applicable default penalty. This differs from the full principal exposed.
The customer follow-up list, ranked by delay and overdue amount, so collection action can begin with the highest-risk cases.
A loan with no instalment past its due date. Future scheduled repayments may still remain outstanding.
Credit-loss management
Provisions, write-offs & recoveries
Estimate expected credit losses on outstanding principal and maintain a controlled record of approved write-offs and later recoveries.
Gross portfolio₦
₦00 open loansRequired provision≋
₦00.0% portfolio coverageNet portfolio✓
₦0After expected credit lossWrite-off recoveries↺
₦0₦0 written off this yearAllowance calculation
Provision by ageing band
Rates apply only to unpaid principal. Penalties and memo interest are excluded.Branch exposure
Provision summary by branch
| Branch | Loans | Gross portfolio | PAR 30 | Provision | Coverage | Net portfolio | Write-offs YTD | Recovered |
|---|
Loan-level allowance
Exposure and required provision
| Customer / Loan | Branch | Ageing | Days past due | Principal exposure | Rate | Required provision | Write-off control |
|---|
Accounting interpretation: required provision is the estimated loss allowance against outstanding principal. It reduces the net carrying value for reporting, but it does not change the customer’s repayment schedule or cash collection.
Controlled loss register
Write-offs and subsequent recoveries
| Write-off | Date | Customer / Loan | Branch | Principal | Penalty | Total | Recovered | Unrecovered | Status / Action |
|---|
Control: only an owner or administrator can post a write-off or record a recovery. Every action is retained in the audit trail; recoveries also enter the cashbook automatically.
Responsible lending
Customer credit decisions
Use repayment behaviour, completed loans and current exposure to recommend the next prudent loan limit.
Average score◎
00 customers assessedEligible now✓
0₦0 recommended capacityGood or excellent↑
0Customers with positive repayment strengthHigh risk!
0Manual review; no automated limitTransparent 100-point model
What builds the score
The recommendation supports judgement; it does not replace customer verification or affordability checks.Decision register
Scores and recommended limits
A customer with any open loan is ineligible for another facility until the balance is completely cleared.| Customer / Branch | Score | Grade | On-time rate | Completed loans | Max days late | Current outstanding | Recommended now | Decision |
|---|
Limit rule: a new customer starts at the editable starter limit. Good customers may grow by the policy rate; excellent customers may grow further. Watch customers receive no increase, while high-risk or uncleared customers receive no automated new-loan limit.
Collections performance
Recovery management
Assign customers, measure every collector and keep overdue follow-up moving to the next action.
Collection efficiency%
0.0%₦0 collected from ₦0 duePeriod collections₦
₦0₦0 assigned targetArrears recovered↺
₦00 active recovery casesBroken promises!
00 follow-ups dueCollector scorecard
Target, collections and recovery performance
Efficiency compares collections realised during the selected period with scheduled repayments due in that period. Arrears recovered identifies amounts received after their original due date.| Collector / Branch | Customers | Target | Amount due | Collected | Efficiency | Arrears recovered | Missed amount | Risk cases |
|---|
Daily recovery desk
Overdue customer action queue
The stage is suggested from days past due. Log every call, visit, guarantor contact, demand notice and promise to pay.| Customer / Loan | Collector | Stage | Days overdue | Overdue amount | Total outstanding | Last action | Next action / Promise | Action |
|---|
Follow-up evidence
Recent recovery actions
| Date | Customer / Loan | Collector | Action | Outcome | Next action | Promise | Status |
|---|
Recovery sequence:1–3 days: grace follow-up4–7 days: field visit8–14 days: demand and guarantor contact15+ days: escalated lawful recovery
Customer communications
SMS & WhatsApp reminder centre
Prepare personalised repayment messages, open the customer’s messaging app and retain a controlled communication history.
Reminder queue✉
00 repayments due within 3 daysDue today✓
0Scheduled repayments requiring contactOverdue reminders!
0₦0 outstandingRecorded today↗
00 prepared and awaiting confirmationCommunication evidence
Prepared and sent message history
| Date / Message no. | Customer / Loan | Channel | Type | Recipient | Message | Status | Action |
|---|
Data protection
Backup, restore & export centre
Protect the complete operational database and produce management-ready Excel-compatible or PDF reports.
Central report export
Excel-compatible workbook and PDF
Select a dataset and reporting period. Branch users remain limited to their assigned branch.DatasetChoose a report
Period—
Records0
Full database copy
Download operational backup
Exports customers, loans, schedules, payments, branches, users, approvals, audit history, expenses, recovery and communications in one restorable JSON file.
CompleteAll operational tablesPortableValidated JSON formatControlledOwner or administrator
Owner-only recovery
Validate and restore backup
Choose a Market Care backup for validation. Nothing changes until the owner types the exact confirmation and starts the restore.
No backup selected.
Safe restore sequence:1. Select backup2. Validate format and owner account3. Review table and record counts4. Type RESTORE MARKET CARE5. Replace database
Final stage • Controlled go-live
Branch testing & go-live approval
Complete the 12 evidence checks for staff access, field collections, offline continuity, receipts, supervision and owner sign-off before live use.
Branch pilots0
Average readiness0%
Awaiting test0
Testing0
Needs attention0
Ready for use0
Open issues0
Finalisation ruleA branch becomes ready only after the manager and collector complete real workflow tests, all serious issues are resolved, and the owner records final approval.
◉Loading pilot readiness…
Staff access & internal control
Access, approvals & audit trail
Onboard staff safely, restrict each person by role and branch, review access regularly and preserve accountability.
Signed-in role—
Active users0
Pending invitations0
Suspended0
Access reviews due0
Pending approvals0
Role-based staff access
User register & onboarding
Creating a user generates a temporary password and sends the invitation automatically.| User | Role / Branch | Approval limit | Onboarding | Last access | Policy | Access review | Actions |
|---|
Security evidence
Recent access history
Provisioning, invitations, first access, policy acceptance, profile changes, suspensions and reviews are retained here.| Date & time | Staff user | Event | Description | Branch | Performed by |
|---|
Maker–checker desk
Approval queue
Loans, expenses and other cash movements above a branch manager’s approval limit wait here. A maker cannot approve their own request.| Request | Type / Description | Branch | Amount | Raised by | Date | Status | Review |
|---|
Permanent activity record
Audit trail
Ordinary users cannot change or delete these entries.| Date & time | User | Role | Action | Module | Description | Branch | Amount | Approval ref |
|---|
Cost control
Expense ledger
Post branch expenses and review them by class over any selected period.
Total cost₦0
Entries0
Largest class—
Selected period—
Classwise analysis
Expense summary
Posted transactions
Expense register
| Date | Expense no. | Branch / Unit | Class | Description | Method | Amount |
|---|
Management reporting
Collections and profitability
Reconcile daily receipts, then compare monthly interest revenue with branch operating costs.
Realised collection summary
Capital repayment, memo interest and penalty
| Date realised | Branch | Capital repayment | Memo interest | Penalty | Total collected |
|---|
Summary revenue versus cost
Monthly branch net income
Monthly interest uses the separate memo-interest record. Capital repayment and total cash collected remain unchanged.Planning laboratory
Compare, simulate and export
Run a private scenario without creating a live customer or loan record.
Scenario schedule
Sample Customer
| No. | Due date | Day | Expected | Grace deadline | Penalty | Adjusted due | Balance |
|---|