DigitoFina
DigitoFina is a web-based financial management system for microfinance institutions, SACCOs, lending companies, savings groups, and investment clubs. It brings client records, loans, savings, investments, teller operations, accounting, and reporting into one platform, with organization-level and branch-level access controls.
Built for real use.
DigitoFina helps financial organizations manage their daily operations, customer relationships, and financial records through a centralized, modular platform. It supports multiple organizations and branches, with role-based permissions for administrators, managers, loan officers, cashiers, accountants, auditors, and members.
The system includes:
- Client and member management: Registration, personal and business information, KYC records, next of kin, supporting documents, account history, and assigned officers.
- Loan management: Configurable loan products, applications, appraisal, guarantors, collateral, approvals, disbursements, repayment schedules, repayment allocation, arrears, penalties, and officer assignment.
- Savings and accounts: Savings accounts, deposits, withdrawals, transfers, savings goals, group contributions, member shares, and fixed deposits.
- Investment management: Investment plans, investor accounts, contributions, withdrawals, returns, and maturity tracking.
- Teller and cash operations: Drawer opening and closing, cash and non-cash transactions, cash movements, receipts, and end-of-day reconciliation.
- Accounting: Chart of accounts, journal entries, general ledgers, financial statements, and financial postings linked to operational transactions.
- Controls and accountability: Role-based access, organization and branch restrictions, approval workflows, transaction reversals, and audit trails.
- Reporting: Operational, loan portfolio, arrears, savings, investment, and financial reports to support monitoring and management decisions.
- Member self-service: Access to personal savings and loan balances, repayment schedules, and recent transactions.
- Integrations and communication: Mobile money collection and reconciliation capabilities, SMS notifications, and API access for external applications.
Organizations can enable modules according to their needs, from a lending-only business to a broader microfinance operation. DigitoFina’s purpose is to reduce fragmented recordkeeping, improve visibility into financial activity, and maintain traceable records of transactions and staff actions.
Module availability depends on the organization’s configuration and enabled integration