Symba Microbanking is our flagship cloud-based savings and loan portfolio management system, purpose-built for microfinance institutions (MFIs) and savings and credit cooperatives (SACCOs).
Symba Microbanking is powered by Apache Fineract, a battle-tested, open-source core banking platform trusted by microfinance institutions worldwide. Our implementation adds modern authentication, a purpose-built frontend, and tight integration with the entire Symba platform.
Onboard clients individually or in groups. Capture all relevant client information, track group memberships, and manage the full client lifecycle from a single interface.
Define unlimited loan products with configurable interest rates, calculation methods, repayment schedules, grace periods, and currency settings. Supports flat, declining-balance, and other interest calculation methods.
Automatically generate repayment schedules for clients and collection schedules for loan officers. Share schedules directly with clients so they always know when payments are due.
Configure disbursement fees, overdue penalties, and ad-hoc charges. Charges are tracked transparently per loan account and reflected in repayment schedules.
Manage savings and deposit accounts alongside loan portfolios. Track balances, deposits, and withdrawals for individual clients and groups.
Access detailed metrics per loan account and across your entire portfolio. Generate reports for management, auditors, and regulators. Track portfolio-at-risk, repayment rates, and other key indicators.
Symba Microbanking integrates natively with Symba Payments, enabling automatic loan disbursements and repayment collections via mobile money — directly from the microbanking interface. No manual reconciliation required.
Symba Microbanking is transparently priced at € 0.25 per active savings or loan account per month. You are only charged for active accounts — not for clients, users, or any other metric. Symba Payments is included at no extra cost for all disbursement and collection transactions.