Sri Lanka's purpose-built microfinance software — Kredible by Konekt

End-to-end loan lifecycle management — from digital application and credit assessment through approval, disbursement, repayment scheduling, and closure. Configure loan products with flexible interest methods (flat, reducing balance, rule of 78), grace periods, penalties, and early settlement rules. All actions are logged with user timestamps for full auditability.

Built for Grameen-model and solidarity group lending used widely across Sri Lankan MFIs and cooperative societies. Kredible manages group formation, member eligibility, cycle-based disbursement, joint liability rules, and group meeting schedules. Field officers can process group repayments in a single transaction rather than recording each member separately.

A dedicated gold lending module that handles item intake (weight, purity, description), valuation against configurable gold rates, pledge ticket generation, interest accrual, renewal, part-payment, and auction triggering on default. Supports multiple gold rate zones across branches and integrates with your branch teller system for disbursement and redemption.

Real-time collection dashboards give branch managers and credit officers visibility into daily due amounts, collected amounts, outstanding arrears, and portfolio at risk — by branch, officer, or product. Automated overdue alerts, SMS reminders to borrowers, and escalation workflows reduce the time between missed payment and follow-up action.

The Kredible Field App works offline. Officers collect repayments, record new applications, capture KYC documents, and issue digital receipts without needing mobile data. All transactions sync automatically when connectivity is restored. Built for Android devices common in Sri Lankan field operations.