Faster decisions. Less paper. A portfolio you can actually see.
Mkopo Flow replaces spreadsheets and manual approvals with one platform built around how microfinance institutions actually operate.
Faster loan processing
Applications arrive scored for affordability and risk, so your officers decide in minutes instead of days.
Disbursement to final payment
Repayments, restructures and top-ups tracked in one place — no spreadsheets to reconcile at month-end.
Live portfolio visibility
See portfolio value, PAR-30 and delinquency in real time, with drill-downs by product, officer and cohort.
Earlier risk signals
Delinquency and arrears flag before a loan goes bad, with enough lead time to act.
BOT reporting from source data
Bank of Tanzania returns, AML/KYC records and a full audit trail generated automatically — not transcribed.
Any branch, no installs
A secure web platform your credit, risk and finance teams reach from any device, anywhere they work.
The same workflow, every loan, from first form to final repayment.
Intake
Applications arrive with borrower, employer and requested terms, structured and ready for review.
Assessment
Affordability, obligations and risk are checked and scored automatically before any decision.
Decision
Officers approve within their limit; larger loans escalate for sign-off, with a full decision trail.
Disbursement
Release approved funds and record them against the borrower's account in a single step.
Servicing
Track repayments, restructures and top-ups, with missed payments flagged the day they happen.
Six modules. One ledger. Nothing to reconcile.
Review & credit scoring
Affordability, obligations and risk on one screen. Approve, adjust or reject with a full decision trail.
Analytics & PAR tracking
Track portfolio value, PAR-30, delinquency and defaults in real time — with drill-downs that show where risk sits.
Loan servicing
Disbursement, repayment, restructure and top-up in one place. Missed payments surface the day they happen.
Regulatory reporting
Portfolio, performance and Bank of Tanzania returns generated from source data — not transcribed from spreadsheets.
Roles & approval limits
Role-based access for admins, managers, officers and finance, with per-role approval limits and escalation paths.
Loan products & rules
Define products, interest, tenure and eligibility once. Every application is scored against the policy in force.
Run the MFI dashboard as a native desktop app.
The full loan management dashboard - packaged for Windows, macOS and Linux. Runs natively without a browser, faster to launch, and available offline.
Download the app
Manage your portfolio from anywhere.
Review applications, approve loans, record collections and monitor portfolio KPIs — all from your phone. Built for MFI officers in the field.
Your whole loan book, in one clear view.
Track disbursements, repayments and portfolio risk in real time, so nothing slips between spreadsheets or gets found too late.
Built to what BOT requires, so your audit is a report — not a scramble.
Mkopo Flow is built to the standards Tanzanian lenders answer to, so audits are a report, not a scramble.
What MFI teams ask before they switch.
How long does onboarding take?
Most institutions are live within a few weeks, including product setup, staff roles and integration configuration.
Can we migrate our existing loans?
Yes. Active loans, balances and repayment schedules can be imported so your whole book lives on one ledger.
Do you support multiple branches?
Role-based access and per-branch visibility let head office and branches work from the same data.
Is staff training included?
Onboarding includes hands-on training for credit, risk and finance teams, plus documentation for new joiners.
Can you integrate with our bank?
Mkopo Flow connects to banks out of the box, with more integrations available on request.
How is our data protected?
Data is encrypted at rest, access is role-based, and every action is captured in an immutable audit log.
Bring your full loan book onto one platform.
See Mkopo Flow with your own products and portfolio.