Can Fedha handle different loan product types?

Yes. Fedha supports unlimited loan products — individual loans, group lending, salary advances, agricultural loans, SME loans, and more. Each product can have its own interest rate, fee structure, repayment schedule, and approval workflow.

Does it integrate with mobile money?

Fedha integrates with MTN Mobile Money and Airtel Money for both disbursements and repayments. Clients can receive loan disbursements directly to their mobile wallets and make repayments via mobile money — reducing cash handling and improving collection rates.

What about data security and privacy?

All data is encrypted at rest and in transit. Role-based access control ensures staff only see data relevant to their role. System logs every access event. Cloud deployments use enterprise-grade security with regular penetration testing.

How long does implementation take?

Typical implementation takes 4-8 weeks depending on your portfolio size and data migration complexity. Basic setup can be ready in 2 weeks. Data migration from existing systems typically adds 1-2 weeks. Training runs in parallel.

Can we start with just loan management and add savings later?

Absolutely. Fedha is modular — you can start with loan management and add savings, client management, or reporting modules as your needs grow. The system is designed for phased deployment without data migration or reconfiguration.

Core Banking for MFIs & SACCOs

FINANCE.
WITHOUT THE ERRORS.

Fedha Microfinance replaces vulnerable spreadsheets with a secure, automated core banking system. Built specifically for Ugandan MFIs and SACCOs.

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Platform Capabilities

A Complete Financial Engine.

From client onboarding to BOU reporting, Fedha handles the entire lifecycle of loans and savings.

Core Operations

End-to-End Loan Management

Automated interest calculations, reducing balance schedules, and penalty tracking. Eliminate spreadsheet errors entirely.

Digital loan management dashboard showing portfolio health

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Compliance

Digital KYC & Client Profiles

Store ID documents, collateral records, and credit scores in a unified secure cloud vault.

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Deposits

Savings & Fixed Deposits

Manage regular savings, group VSLAs, and fixed deposit interest accrual automatically.

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Integration

Mobile Money Integrated

Process disbursements and collect repayments directly via MTN MoMo and Airtel Money.

Mobile money disbursement and collection

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Regulatory

Automated BOU Reporting

Pre-built Bank of Uganda templates generate regulatory returns instantly. Never miss a submission deadline or fail a data audit.

Automated regulatory reporting and analytics dashboard

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Built for Compliance & Scale

Secure your portfolio data while eliminating manual calculation errors.

Zero

Calculation Errors

System handles complex reducing balance and penalty maths.

BOU

Compliant

Generates regulatory reports in Bank of Uganda formats.

100%

Audit Trailed

Every transaction, edit, and access event is logged.

API

Mobile Ready

MTN and Airtel integrations for cashless operations.

Zero Spreadsheet Risk

Automated Loan Portfolios

Spreadsheet-based loan tracking inevitably leads to miscalculated interest, missed repayments, and inaccurate balances. A single formula error can compound across hundreds of accounts. Fedha completely eliminates this risk.

System generates precise repayment schedules (reducing balance or flat rate)
Configurable grace periods and automatic penalty application
Handle loan rescheduling, top-ups, and restructuring with full audit history
Automated credit scoring based on repayment behavior and collateral

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Regulatory Compliance

BOU Reporting in Minutes

Bank of Uganda reporting requirements, AML regulations, and data protection laws demand accurate, timely submissions. Manual processes make compliance a constant scramble — risking penalties. Fedha auto-populates data from transaction records into BOU-compliant formats.

Pre-built templates for all BOU monthly returns and quarterly statements
Real-time monitoring of transaction patterns for AML compliance
Immutable audit logs: every edit is logged with timestamp and user ID
GDPR-compliant data handling and secure cloud document storage

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Bank of Uganda automated reporting templates

Clarity & Answers

Frequently Asked Questions

The Spreadsheet Threat

Running an MFI on Excel is a ticking time bomb. A single copied formula error can compound across hundreds of accounts, and without an audit trail, malicious edits by rogue staff are virtually impossible to trace until the money is gone.

Phased Rollout

You don't have to launch everything at once. We recommend migrating loan tracking first, establishing stability, and then rolling out savings and mobile money integrations in subsequent phases.

Our Approach

We Don't Just Supply Equipment

We engineer technology to work together — from initial assessment through deployment and ongoing support.

Assess

We audit your current environment, risks, and requirements.

→

Design

We engineer a solution architecture tailored to your needs.

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Supply

We source and deliver the right hardware and software.

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Install

Our engineers deploy the system with minimal disruption.

→

Configure

We optimize settings, policies, and integrations.

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Integrate

We connect everything to work as one unified system.

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Support

Ongoing maintenance, monitoring, and local helpdesk.

Secure Your Portfolio

Ready to See Fedha in Action?

Schedule a tailored demo to see how Fedha handles your specific loan products, interest calculations, and BOU reporting requirements.

Request Demo Call +256 786 394 913

FINANCE.
WITHOUT THE ERRORS.