Crystal

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LOAN PERFORMER
The Number One in Micro-Finance
Crystal Clear Software Ltd.
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Company Profile

• A Uganda-based Company, founded in 1998
• Specialized in Software for Micro-Finance

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Companys Strategy

• Make a Micro-Finance Product that is
• Flexible
• User-Friendly
• Customisable
• Affordable
• LOAN PERFORMER

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Loan Performer Installed Base

• Loan Performer installed in 42 MFIs 31 in
  Africa 6 in Eastern Europe 2 in Europe
  2 in the Caribbean 1 in Asia
• Over 80 installed sites.

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Why Loan Performer under (Visual) Foxpro?

• MS Foxpro has the fastest database in the world.

Windows

• The Euro-Tunnel Project was done with a Foxpro
  database.
• No additional licenses required.
• Visual Foxpro has a first-class object-oriented
  development environment targeted towards database
  access.

Most commonly used Graphical User interface OS
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Loan Performer Modules

• General Ledger
• All Financial Statements
• Budgeting
• Export to Other Accounting Packages

• Client Module
• Individual Clients
• Businesses
• Groups
• Group Members

• Savings Module
• Free Deposits
• Loan Guarantee Deposits
• Compulsory Savings

• Loan Portfolio Module
• Flat Rate Declining Balance
• Works with ANY Repayment Schedule
• Tracking of Group Accounts
• as well as Accounts of Group Membe

Foxfire Report Generator
Database Encryption
7
Loan Performer Modules
General Features

• Windows 95/98/2000 compatible.
• For centralized or de-centralized administrations
• Min. Requirements 16/32 MB Ram, 800x600 screen
  resolution, A4 printer.
• Supports individual lending as well as group
  lending with either tracking of group loans at
  group level or at group member level.
• Automatic Booking of Transactions to the General
  Ledger.
• User definable menu-items and handles 7 user
  levels.
• First class Windows Help system.
• More than 120 standard reports, many as
  recommended by CGAP.
• Export of reports to PDF file format, XLS and DBF
  format.
• Export to 3rd party Accounting packages.
• FoxFix database protection.

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Loan Performer Modules
Client Module

• Handles Individuals, Groups, Group Members and
  Businesses
• User-definable Fields to Classify Clients
• Mail-Merge Facilities for Loan Application,
  Disbursement and Notification Letters for Arrears
• Clients can be black-listed.

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Loan Performer Modules
Savings Module

• Max. No. of Accts 100,000 / class (ind, grp,
  business) and / branch.
• Free Deposits, Loan Guarantee Deposits and
  Compulsory Savings.
• Transaction are automatically booked into the GL.
• Automatic Interest Calculation, set up to 2
  decimals.
• The interest period is flexible (maximum 1 year).
• User can define min. interest balances.
• Interest can be calculated either on daily
  balances or on monthly minimum balances.
• Interest can be added automatically to the
  accounts.
• Charges/Rewards can be added to/deducted from the
  accounts.

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Loan Performer Modules
Loans Module 1/3

• Max. capacity 1 million loans per branch.
• Includes application, payment of commissions,
  approval, disbursement, repayment, rescheduling
  and write off.
• Handles several loan funds with tracking of fund
  utilization.
• Transaction automatically booked into the LPF G.
  Ledger.
• Supported installment periods daily,
  (bi-)weekly, (half-)monthly, bi-monthly,
  quarterly, four-monthly, semi-annual, annual.

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Loan Performer Modules
Loans Module 2/3

• Interest can be set up to 2 decimals.
• Interest Up-front supported.
• Supports Flat Rate, Declining Balance.
• Links with Loan Guarantee or Compulsory Savings.
• Supports repayments from savings accounts.
• Penalties on a loan by loan basis or
  automatically.
• Non-working days and weekends.

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Loan Performer Modules
Loans Module 3/3

• User-Definable Fields to Classify Loans.
• User-Definable warning letters (Period and
  Contents).
• Calculation of Loan Provision with update of GL.
• Write off on a loan by loan basis or
  automatically.
• Reports on dues and past-dues, repayment rates,
  aged arrears and port folio at risk.
• Break down of performance per branch, loan type,
  geographical area and credit officer.

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Loan Performer Modules
General Ledger

• Creation of Chart of Accounts in addition to
  System Accounts.
• Accounts have 6 digits. Analysis according to
  product and donor.
• User can define accounts for automatic bookings
  from sub-ledgers.
• Manual entries in addition to automatic entries.
• Supports budgets.
• Export to 3rd party accounting packages with
  mapping of accounts.
• Reports on Budget Tracking, Break Down Reports,
  Profit per Period Reports, Trial Balance, PL
  Statements and Balance Sheets.
• Balance Sheet is completely user definable.

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Loan Performer Modules
Data-Encryption

• Data Access only possible with Loan Performer

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Loan Performer Modules
Foxfire Report Generator

• Create your own reports.
• Data-dictionary available.
• User-friendly interface.

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Loan Performer Modules

• General Ledger
• All Financial Statements
• Budgeting
• Export to Other Accounting Packages

• Client Module
• Individual Clients
• Businesses
• Groups
• Group Members

• Savings Module
• Free Deposits
• Loan Guarantee Deposits
• Compulsory Savings

• Loan Portfolio Module
• Flat Rate Declining Balance
• Works with ANY Repayment Schedule
• Tracking of Group Accounts
• as well as Accounts of Group Membe

Foxfire Report Generator
Database Encryption
17
Marketing Policy

• Licenses per Branch, cheap for small
  organizations
• Annual Fees for Free Updates and Support
• Free bug-fixes
• Try it out before you buy

• Distribution via web www.loanperformer.com
• Local support via Representatives
• Email list for LPF Users http//groups.yahoo.com/
  group/loanperformer

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Pricing

• Single user, one office license US 400 plus US
  200 annual fees.
• Single user, 2 to 5 offices US 360 per license
  per office plus US 144 (40 of license) as annual
  fees.
• Single user, 6 to 10 offices US 320 per license
  per office plus US 128 (40 of license) as annual
  fees.
• More than 10 offices US 280 per license per
  office plus US 112 (40 of license) as annual
  fees.
• Five user, one office license US 800 plus US 320
  annual fees
• Demo version US 25 plus US 40 for shipment.
• Consultancy/programming US 325/day, training US
  150/day.

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WANT TO KNOW MORE?

• CGAP Review
• WEBSITE www.loanperformer.com
• Download or buy the CD
• Crystal Clear Software Ltd.
• PO Box 7463 Kampala, Uganda
• Email info_at_loanperformer.com