PERFEXBANK is a Complete Microfinance Solution provides a fully integrated application that addresses the entire life-cycle of lending process from origination, servicing and collection & recovery. The system focuses on improving efficiency of the microfinance operations by using technology. It facilitates in creating income-generating opportunities for small scale entrepreneurs and provides need communication with efficient access to information and resources. The system is built on a modular principle and gives the flexibility to adapt to specific needs of any Microfinance Institution. The solution also supports the requirements of Self Help Groups (SHGs).
The solution provides Straight Through Process (STP) and is based on SOA architecture that enables the front end application and automate mid and back office process dealing with accounting, reporting, compliant collections etc. the system provides complete flexibility in term of defining hierarchy and parameters.
Key Functional Features includes:
- Multi-Currency, Multi-Lingual Solution.
- Event driven transaction processing environment with real-time update.
- Automate underwriting.
- Web Based System with user-friendly front-ends.
- Flexible Product definition and Parameters.
- Addresses all types of microlending requirements.
- Deployable in a branches with Hybrid Environment.
- Provision for offline processing.
- Multi-Channel interface (Front Office, Back Office, Mobile Office, Internet, Mobile Phone).
- Consist the core modules for complete life-cycle of Microfonance.
- Limits, charges, fees and penalties management.
- Integrated with Accounting system.
- Centralize Customer Information System (CCIS).
- Support with MySQL, MS SQL 2008 (Compatible with Khmer Unicode), Oracle 11g.