A unique blend of features that distinguish our solutions from others
Smart Financial Suite
Tablet App




Loaning System
The loaning System is one of the core components of the Smart FS and mainly manages the Loan Applications etc. Module-level core features are given below:
- Centralized Application
- Globally Accessibility
- Ready Analysis on a day to day bases
- GPS Tracking of Clients between Branches
- Web-Based Solution – Run over the Internet
- Centralized Technical Support as well as End User Support
Data Import Utility
Smart FS provides a flexible tool to smoothly migrate every single bit of historical data; account balances, tax balances, etc. to the new system with optimum reconciliation.




Borrower’s Application
A comprehensive data capturing at loan application level with ease of use:
- Client Rating
- Geographical Location
- Post Loan Utilization
- Unique Client Database
- Old & New NIC/National ID Card Detail
- Personnel & Business Information
- Form Printing and Managing Form Fee
Branchless Banking
Customers can now get their payments or submit their installments anytime anywhere:
- Process for Branch less Disbursement
- Process for Recovery Integration with UBL Omni, Easy Paisa & Mobi-Cash
- Integration Settings
- Auto Disbursement & Recovery Voucher Posting
- Bulk Recovery Import Module
- Disbursement through Branchless Banking
- XPIN Management
- XPIN Upload
- XPIN Operation Status
- Rejection List
- Guarantor List




Financial System
Financial System (FIS) module is one of the many modules of the Smart FS and mainly manages the complete financial activities like chart of account (a complete list of all G/L accounts), details of banks, cheque management including cheque book listing and necessary details according to the business partners. Module level core features are given below:
- Centralized Application
- Ready Analysis on day to day bases
- Branch Level Accounting with User Rights
- Integrated with Loaning System
- Cost Centers Analysis
Data Verification
Credit worthiness is the key to make sure borrower’s will payback accordingly. System provide a smart way to get the credit history of a customer from centralized credit buerue.
- Generate Data Check Reports in their format for Import
- Default Add Report
- Positive Add Reports
- Positive Update Report
- Default Update Report




Poverty Score Card
Poverty Score Card results determin the need to approve the loans:
- Client House Hold, Family Head & Roaster & Other Info
- Poverty Score Calculation
- Multiple Reports
- Individual Poverty Scorecard
- Summary of Response
- Poverty Scorecard Summary (List)
- Poverty Scorecard Range wise
- Summary
- Missing Poverty Scorecard Information
- PPAF Intervention wise Poverty Scorecard Summary
Pre & Post Loan Utilization
A meaningfull utilization of loans results in a constructive social development. Smart FS is providing several ways to monitor and control the loans utilization.
- Pre-Loan Purpose
- Need Assessment and Utilization Details
- Post Loan Utilization
- Verification and Comparison




SMS Informer
Smart FS brings much more convenience and time-saving through various rich features. SMS Informer is one of them and provides:
- Auto SMS Generation System
- Recovery & Overdue Reminders
- Recovery Received Confirmation SMS
- Case Approval, Rejection SMS
- Disbursement SMS
- Daily SMS to Employees of Pending/Overdue Clients
- Daily SMS to
- SMS Logs
GPS Client Tracking
Your connection with the customers is highly important and knowing where they are now is very helpful to serve them better. GPS Tracker helps to find your customers in a nearby location in the field:
- Update Client GPS Coordinates
- View Address/location at Map
- Easy Mobile Entry




Human Resources Management System
Human Resource & Payroll Management System (HRMS) mainly manages the Human Resources related data and information like Recruitment (Job Post Requisitions & Posts, Job Candidates Data Collection & Screening & Shortlisting, Candidates Evaluation & Testing, and Interviews & Selection), Employee Profiling, Time Sheet (Working Hours, Worksheet, Work Shifts, Leaves, and Holidays) and related Reports, etc.
Business Intelligence
Business Intelligence Dashboard mainly presents the management and departmental level graphical analysis. Management can assess the important analysis and notifications at the dashboard with the option to drill down to the details concerning user rights.




Reports
Smart FS Reporting Module provides you the comprehensive reporting of the complete Microfinancing Process such as; loans, borrowers, payments, aging, irregularities, HR & payroll, contract closure and financial statements overall, etc.
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