2009 Software Reviews

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1 Contact information of the person who fills the questionnaire: Name Budhabhatti Kamal Position CEO address Phone number Since when are you working with this institution? 10 years COMPANY PROFILE Contact Details URL Postal address Post Office Box 13628, Riverside Drive, Nairobi, Kenya and Craft Silicon House, 9th A Main, Indiranagar, India Country Kenya, India Region Africa, India Fax number Sales representative Rakshit Bolar Technical manager Banjamin Kahungo Established since 2000 Status Limited Private Limited Company Main shareholders (with % of shares) Turnover and Results last 3 financial years Company's turnover Average 5 Million US$ Million US$ Expected 2009 Turnover linked to microfinance activity 90% of our business comes from Micro Finance activity Company's net profit 1.8 Million US$ ( 2008 ) Profit link to microfinance activity 90% of our business comes from Micro Finance activity Staff Whole company staff About 250 Core Banking / Microfinance Systems Staff We have a common product source for Core Banking and Micro Finance Sales & marketing CBS staff 3 Implementation & training CBS staff 65 Technical support CBS staff 85 Product development CBS staff 90 Management & administration CBS staff 5 Other 2 Page 1 of 18

2 Other softwares / services that your company provides Softwares None Services None Has your company set up partnerships for the microfinance market? with Microfinance Institutions? NO None with Resellers? Yes with Consulting companies? NO None with NGO's? NO None with other type of institutions? NO None Main evolutions since 3 years Developed Micro Finance Electronic Switch, which caters for POS and Mobile solutions Trends for next 3 years SOFTWARE OVERVIEW BANKERS REALM Software versions Date of 1st release 2000 Number of releases 7 Latest version number 3.0 Number of installations latest version (nb of MFI) 130 Number of installations previous version 40 Date of last released version Oct-08 Date of next release (if already planned) Mar-09 Average release frequency 6 to 8 months Patches and updates integration tool yes FTP server for patches download yes Type of institutions targeted Commercial Banks Yes Microfinance Banks Yes Community Banks (limited service area) Yes Finance Companies Yes Cooperatives and Credit Unions Yes Non-profit Organizations Yes Others NO No Page 2 of 18

3 Market references Number of operating clients in 2006/2007/ /90/150 Number of operating microfinance clients in 2006/2007/ /78/120 Lowest and highest number of branches within MFI clients 1 Branch / 250 Branches Average number of branches per client Lowest and highest nb of accounts handled within MFI clients 1000 Number of microfinance clients by country (2008) Number of ongoing installations by country Number of clients in 2006/2007/2008 by type Commercial_Banks 35 Microfinance_Banks 41 Community_Banks (limited service area) 31 Finance_Companies 7 Cooperatives_and/or_Credit Unions 3 Non_profit_Organizations 1 Savings_and_Credit_Associations Other 5 Commercial offices (including resellers) Number of commercial offices 4 Location of commercial offices Kenya, India, Nigeria, Ghana Support center (including resellers) Number of support centers 7 Location of support centers Kenya and India Support center staff (number of people) 121 Hotline Support in which languages English, French Technical documentation available Yes User documentation available Yes User club existence NO No Main evolutions since 3 years Trends for next 3 years Forecast features under development for the software Further innovation in pipeline for microfinance market Branchless Banking and Mobile Technology Outsourcing Targeted new clients for next 3 years Page 3 of 18

4 According to you, who are your (3 main) competitors as microfinance software editor? Current competitors Emerge, Equinoux, T24, Flexcube, Finnacle Estimated future competitors The five major strengths of your software Flexiblity, Ease of use, Supplier-Customer Relationship FUNCTIONAL COVERAGE Client Information Management Client data such as name, marital status, age, gender, address (home and Opening customer account in the field now possible with business cards work) and activity scanners (small device) connected to mobile phone. Group clients data such as name, status, members (nb / list), leader, creation date, meeting date Village data such as name, location, status, groups (nb / list), leader, registration date Facilities to check client behavior - i.e. credit and deposit status and history (either from external or internal sources) Historical data on clients (including deleted, canceled, rejected and closed loans) Able to track clients at different stages of the process (prospect, active, blocked) Unique identifier of client as a parameter (internal number, Mnemonic, ID card, ) Physical identifier of client (picture, signature, finger print ) Identifies potential duplicates (i.e.. double entry of clients) Tracks potential clients information Black list Follow-up of relationships between clients Possibility to print a client identification sheet Loan management Integrated with accounting system Number of products allowed Permits the addition and modification of loan products Lending methodologies Individual clients Solidarity groups with individual loans Solidarity groups with group loans Village banks with individual loans Village banks with group loans Methodologies of interest calculation available Page 4 of 18

5 Flat Declining balance Fixed rates Discounted from the loan NO Floating/Variable rate Daily interest calculation (with weekly or monthly installments) on principal outstanding Other (user defined) NO Special products Leasing Mortgage Warrantage NO Line of credit Other Historic data on products Forced deposits (linked to deposit monitoring) with ability to block access to forced savings (where appropriate) Forced deposits linked to instalment schedule as a separate option. Collateral (cash and non-cash) tracking Guarantor tracking and number of guarantors per loan Loan simulation including production of installments schedule Payment Types Term loans with constant payments Term loans with constant principal Irregular payments (set by the user) Balloon schedule (interest only instalments and principal at the end) Possibility to choose order of repayment between Penalties, Interest and Capital Other (user defined) Payment frequencies Daily Weekly Biweekly Every 4 weeks Monthly Page 5 of 18

6 Bimonthly Quarterly (every 3 months) Bullet loan (single repayment) Other (user defined) Payment year supported 365 days 360 days (30 days/month) 336 days (4 weeks/month) 52 weeks Other (user defined) Grace periods Late payment grace period Installments schedule grace with interest Installments schedule grace without interest Delinquency management facilities (handling of on-time, early, late, partial, and extra payments) and calculation methodology Additional types of payments Commissions and fees (Please specify at what stage of the loan cycle those fees may be charged) Penalty fees for late payments (Please specify if the user may suspends these fees) Credit insurance Group insurance fees Other (user defined) Repayment methods Cash Check Standing order (auto debit) Money order Current account transfer ATM Card POS devices Mobile banking "8583" switch to integrate data coming from mobile device. Implemented in Kenya already ("djami boda"). Input data in POS device or mobile phone linked to printer to deliver proof of operations. "8583" switch to integrate data coming from mobile device. Implemented in Kenya already ("djami boda"). Input data in POS device or mobile phone linked to printer to deliver proof of operations. Page 6 of 18

7 List the different steps of the loan cycle (application, appraisal,approval, disbursement, payment) Approval workflow system, manual Closing a loan (on-time and early), manual Back dating of transactions on loan accounts Loan rescheduling : follow-up and separation from other loans Expected repayment amount proposed by default by the system Unexpected amount possible (underpayment, overpayment,more than loan balance) Batch processing for disbursement lists / collection sheets Taxes management on loan products Loan accounts numbering (random, user defined, system generated) Parameter driven Provide a list of standart documents with example (contracts, repayment schedules, account statement) Deposits management Integrated with accounting system Types of deposit accounts Saving account Current account Overdraft account Term deposit Planned saving Group saving Other (user defined) Interests on deposits calculations Time weighted method Minimum daily balance Minimum monthly balance Minimum quarterly balance Average daily balance Average monthly balance Other (user defined) Interests payment frequency (Daily, Weekly, Monthly, Quaterly ) Voluntary deposits First saving with loan installments Page 7 of 18

8 Compulsory saving collection before loan disbursement Term deposit simultation Deposits and withdrawal methods Cash Check Transfer Batch transfer (ex : salary of the employees) ATM Card POS devices Mobile banking PDA Other Can be integrated to any external mode Tax withholding functionality Dormant accounts management, blocking or warning when a transaction is posted Closing with balance transfer Option for jointly held accounts Hard copies management (passbook, checks, account statements) Back dating of events recording Limited to last interest application Teller management Create a new teller Open Till Close Till Cash overage and shortage management Transfer cash from vault to a till Transfer cash from till to vault Transfer cash from one till to another Transfer cash from HO to Branch office Transfer cash from Branch office to HO Cash to cash transfer by or to client Cash receipts printing (deal slips) End of day cash position Bill counting accessory Continuous cash position Transfer Page 8 of 18

9 Interbranch transacting Interbranch funds transfer for clients (local) Interbank funds transfer for clients (local) International funds transfer for clients Accounting Chart of accounts management Adheres to GAAP and/or IAS provisions Supports Anglo-Saxon accounting standards (describe) Need more details Supports French accounting standards (describe) Interest procedures are user defined and parameter driven. Possible modifications to meet local legal requirements (central bank, supervisory regulations) or business requirements On-line or batch ledger updates (tills, credits, deposits) Automated calculation and posting for partial or late payments (including interests) Categorizing current vs. delinquent loans Accrual vs. cash Existence of accounts to handle interest and principal due but not received separate from accrued Software ceases to accrue interest on late loans (automatically or on demand) Cost accounting Asset management Budget management NO Treasury management Pay-roll management Payroll and Human Resource Accounting interface Export to external accounting packages? (specify which) Sage. Users can define export formats Import from external accounting packages? (specify which) End of period process (day, month, year) and approximate timing for 5.000, , , clients registered in system 10, 10, 20, 30 Mins respectively. Generation of financial statements (provide list) Many including Balance Sheet, PL, Cash flow Generation of aging categories reporting (aging of loans) Share Management Membership share management Share buying Share selling Share valuation Page 9 of 18

10 Dividends calculation Flexibility Consolidation / Possible network configurations Single PC Decentralised Decentralised with consolidation tool Centralised on line Centralised on line with off-line option Other Online - Offline Replicaiton Technical Deploiement of software Stand-alone Client/Server ASP Web Interface Multi-Tier Delayed posting Tracking flexibility Tracks clients at different levels (individual, group, village, branch, region, institution Track current and historical client portfolio of loan officer / supervisor Multiple branches or regions Mechanisms for separating information on an office basis Presentation of financial or statistical information by branch or region Ability to neutralize inter-branches transactions Multi institutions Maximum number of accounts handled by software Maintenance of indicator lists for selected data (like region list) Is there any field that can be modified or added by user? Multiple languages Technical documentation and user guides languages Languages available within software Can support languages on a user basis All messages are in the language of choice The software was tested by HP Labs for upto 50 Million Customers ( Loans and Savings ) and 2000 Branches, and found to be operating sucessfully. Language is user defined. English and French English and French Page 10 of 18

11 All screen information is presented in language of choice Multiple language support requires recoding (language is hardcode) or is intrinsic to the system (language is parameterized) Statements can be in different languages? If yes, possibility to allocate a language to a client? Ability to handle non roman scripts Multiple currencies Supports local currencies and foreign currencies Supports loan / deposits accounts and teller transactions in different currencies Supports foreign exchange exposure calculation facilities Handles maintenance of value accounts and other inflationary risk mitigation functions Possibility to add a currency Daily exchange rates entry Displayed in 2 currencies? Position Management Rounding Rounding per currency to fit cash constraints (5, 10, 50, 100, ), possibility to set it up by product Rounding of installment amounts (Principal + interests) Guaranty Deposits and funds Guaranty funds Death insurance Garanty fund deducted from loan amount prior to disbursement or on disbursement date Garanty fund paid before disbursement Garanty fund paid with installments Provision Calculation set by ageing rules and product type Calculation modes (total outstanding, past dues only,...) Provision automatically calculated at disbursement Reporting Existing operational reports Existing financial reports Existing management reports Language is parateramised Language can be connected to a client Revaluation Page 11 of 18

12 Regulatory authority reporting (Central Bank) configurable Though any time we go to a new country, we have to design them for the client CGAP Key Performance Indicators Many of them User defined reports Possibility to perform trend analysis / comparisons (i.e. this month vs last month, payment performance analysis...) Export utility (Word, Excel, other format, ) Customized statistics Using User defined reports Additional functionalities Payment cards additional module This is sold seperately, under the product name BREFT ( Bankers Realm EFT Modules ) Check management Payment services (bills, utility management) Money exchange service Credit scoring additional module Customer relationship management HR administration Batch transfer functionality Other products and services Fixed Assets, Inventory, AR / AP, Reconcialation EASE OF CONFIGURATION Configurator exists Parameterization steps Calendar (holidays / working days) Configuration printing NO Configuration interface/ergonomy Possibility to replicate the configuration from one system to another But with our tools, which are not generally available to our users SECURITY Audit Audit methodology Unique teller identification number Traceability of products parametrization Traceability of connections - loggings Traceability of transactions Identification Users profiles (roles and privileges) Page 12 of 18

13 Activate / deactivate a user Technology used Accountability by transaction by consultation data collected in log file Backup management Using an external tool Internal tool: specify whether manual or automatic Automatic recovery tool Data protection on database between remote stations on external floppies and backup cartridges TECHNICAL ARCHITECTURE Server requirements Operating system Minimal configuration for , , clients Optimal configuration for , , clients Size of server application for , , clients Network requirements Describe the usual configuration Protocol Database requirements Supported native databases ODBC, JDBC NO NO Microsoft Technologies, Web Services Automatically takes backup before performing important functions like End of day, etc Database Operating System - Windows, Linux, Unix. Middle Tier - Windows Servers, Front End - Windows XP/Vista TCP/IP Microsoft SQL Server / Oracle Workstation Operating system Windows XP/Vista ( or a standard Browser based clients ) Minimal configuration Optimal configuration Size of client application Existing interface Excel, Word, text formats (TXT, CSV) Client Server ( 2.5 MB ),.NET Version - none Yes Page 13 of 18

14 Other Software Programming language Microsoft Technologies and.net Open source NO Other integrated tools PLANNING, TRAINING AND BUDGET System implementation Implementation methodology Describe how you build capacity at your client to replicate implementation of one branch to other branches by itself Installation & training partners (please indicate installation and training languages where appropriate) Average implementation time (from contract signature to service launch) Quickest implementation Longest implementation Guarantee period Installation CD ROM available Yes Software update procedure Training User training If yes, how long? Who? Cost System administrator training If yes, how long? Who? Cost Training local IT specialist If yes, how long? Who? Cost Cost of programmer man-days for customization System pricing We train and follow TOT ( Trainers of Trainers ). Customers build capicity to rollout to the branches. Training Language ( English, French or sometimes Local if possible ) Depends on the size and complexicity of the client. From 15 Days to 3 Months 10 Days 1 Year Training is part of License fees. However customer bears the per day cost of our Engineers License (basis, range cost) License expiry Annual maintenance fee (basis, range, % license) Cost per transaction (basis, range) Assistance included in the initial license cost Average cost of installation, with standard training included (% license) NO 15,000 US$ to 2 Million US$ License Fees. ASP Model pricing is different 12 to 18%. ASP Model pricing is different If on ASP Model, about half a US$ per customer / per year Training, Consultation Page 14 of 18

15 Additional modules (not included in the standard software) - List features COMMENTS, NOTES Questions Comments Page 15 of 18

16 Please check Annex to RFI: CEO's Pricing Cases version Bankers Realm PRICING CASES Craft Silicon Description of the MFI situations Number of clients Number of users Products Number of branches % Urban / % Rural Price in $ Case 1 100, Loan + Deposit + Transfer 50 50/50 155,000 Case 2 40, Group Loan + Individual Loan 20 20/80 55,000 Case 3 15, Individual loan and deposit 10 80/20 20,000 Comments We have an ASP model for smaller MFI where we charge per account OR per transaction OR size of portfolio Case 1 Contains two tables: steps outline with comments & recommendations and finally pricing outline STEPS OUTLINE Specifications, installation, parameterization and configuration Duration in month 1 Workload in men-month on the vendor side Workload in men-month on the client side Comments / Recommendation PRICING OUTLINE product / service Core module License Price in $ Testing / User Acceptance tests Additional modules Pilot phase Database license 5,000 Training Interface module + Delivery included Channel First branch roll-out 1 Implementation Fees and included Expenses Full roll-out 3 Training Cost included Help Desk, assistance included in Maintenance 15% of license yes the initial license cost (yearly price) costs TOTAL 10000$ Our costs are per day at TOTAL 155, ,000 Comments General comments We have an Enterprise licenses which allows the MFI to use software for unlimited users and branches. Also as the number of branches grow, the cost reduces. Page 16 of 18

17 Please check Annex to RFI: CEO's Pricing Cases version Bankers Realm PRICING CASES Craft Silicon Case 2 Contains two tables: steps outline with comments & recommendations and finally pricing outline STEPS OUTLINE Specifications, installation, parameterization and configuration Duration in month 1 Workload in men-month on the vendor side Workload in men-month on the client side Comments / Recommendation PRICING OUTLINE product / service Core module License Price in $ Testing / User Acceptance tests 1 Additional modules Pilot phase Database license 5,000 Training Interface module + Delivery included Channel First branch roll-out 1 Implementation Fees and included Expenses Full roll-out 2 Training Cost included Help Desk, assistance included in the initial license cost Maintenance (yearly price) 15% of license costs TOTAL Our costs are per day at TOTAL 55,000 50,000 Comments General comments Page 17 of 18

18 Please check Annex to RFI: CEO's Pricing Cases version Bankers Realm PRICING CASES Craft Silicon Case 3 Contains two tables: steps outline with comments & recommendations and finally pricing outline STEPS OUTLINE Specifications, installation, parameterization and configuration Duration in month 1 Workload in men-month on the vendor side Workload in men-month on the client side Comments / Recommendation PRICING OUTLINE product / service Core module License Price in $ Testing / User Acceptance tests 1 Additional modules Pilot phase Database license 5,000 Training Interface module + Delivery included Channel First branch roll-out 1 Implementation Fees and included Expenses Full roll-out 1 Training Cost included Help Desk, assistance included in the initial license cost Maintenance (yearly price) 18% of license costs TOTAL Our costs are per day at TOTAL 20,000 15,000 Comments General comments Page 18 of 18

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