Dear All,
One of our client having requriments on this areas. Pls give us your support
on this.
Overview
The FAO-GTZ MicroBanking System for Windows (MBWin) is banking software
designed and developed to support financial intermediaries ranging from
small to large.
To cater for this wide range of users, the system is highly scaleable in
terms of software
and hardware platforms and modular in terms of applications and
functionality.
The MBWin has modules for Current Accounts, Savings Accounts, Time Deposits,
Share Accounts and Loan Accounts that interface with the back-end General
Ledger
(GL) module thereby enabling a robust integrated system. It has a
centralized contact
information file (CIF), which contains an array of comprehensive information
about the
customers, members, groups, guarantors, signatories and other persons or
entities
either directly or indirectly related to a customer account.
The system provides a classic user-friendly Windows menu structure as well
as a set of
speed buttons for the most common functions.
The built-in reports are based on the requirements of different financial
organizations,
central banks or other supervisory institutions, donors and other external
organizations.
It is also possible to integrate user-written reports to meet the specific
requirements of
individual organizations or countries.
A product generator allows the user to setup and specify products without
the need of
re-programming source code.
A data capture or data conversion program ("Take-on System") is provided as
well. It is
used to migrate manual records into the computer.
A translation utility is available to translate MBWin to other languages.
Languages
currently available are Arabic, English, French, Indonesian (2 versions –
Indonesian and
East Timor), Laotian, Latvian, Russian, Spanish, Tamil and Thai. The
translation to Dari
is under preparation.
A branch replication utility is provided to seamlessly and quickly set-up
the MBWin
system in a new branch, using an existing or pre-configured branch database.
An intra-office electronic message system is built-in for remote approval of
exception
transactions.
Recent enhancements include the automatic re-classification of
non-performing loans
by various non-performing categories in the general ledger, the automatic
posting of
provisions for non-performing loans and the maintenance of various CGAP
performance
ratios.
Technology and Architecture
MBWin is written in the Borland Delphi@ programming tool in the front-end
and using
the Microsoft SQL Server Database@ at the back-end. It runs either on
Microsoft
Windows XP/2000Pro for stand-alone platform or in a network environment
utilizing
Microsoft Windows 2000 or 2003 Server.
MBWin is a multi-tier client/server system with the following components:
• Client software for data input, running on the workstation
• Application servers for processing, running on an application server
• The SQL-Database, running on a database server.
The system is highly scaleable. All components can be run in local and
remote
networking systems. In the case of small organizations, all three components
may be
run on one single computer under Windows 2000 (or higher). For medium size
institutions, the application server and the database server can be run
combined, on
one physical server under Windows 2000 or 2003. Large organizations would
run the
application server and the database server on two or more separate servers
whereby
the application server runs under Windows 2000 or 2003.
Very small organizations, such as village or community-based organizations
with less
than 100 members, can be serviced by a third party service provider without
the need
for purchasing their individual license or hardware, at a minimal cost.
Scalability also applies to the database platform. The entry-level Microsoft
SQL Server
database is the MSDE 2000 (Microsoft SQL Server 2000 Desktop Engine) or MS
SQL
Server 2005 Express Edition for stand-alone users or small branches with up
to five
workstations. It can be upgraded to the more powerful Microsoft SQL Server
2000 or
MS SQL Server 2005 for larger networks and branch networks. MSDE 2000 or MS
SQL Server 2005 Express Edition is freely distributed with the system.
MBWin System Features
• Supports both front-office interactive and back-office batch modes of
transaction
processing;
• Real time transaction processing, with automatic update of the
respective general
ledger accounts at end-of-day;
• Batch transaction types include (a) Mixed Accounts, (b) Inward Cheque
Clearing,
(c) Customer Account Debit List, (d) Customer Account Credit List, (e)
Fund
Transfer between Customer Accounts, and (f) General Ledger Journal.
• "Mixed Accounts" batch transaction type allows posting of transactions
across
customer accounts and General Ledger accounts, from within one batch.
• Integrated customer, savings, current account, time deposit, loan
accounts, share
accounts and general ledger application modules
• Standing Order facility for automatic regular fund transfer between
savings, share
accounts, current and GL accounts.
• User selectable automatic or manual clearing of cheque deposits.
• Generation of automatic journals for transactions between two customer
accounts
and between customer and GL accounts. This allows, for example for
automatic
recovery of loan installments from a savings or current account.
• Central customer file provides instant access to all accounts held by one
customer.
• Customer records accessible through any of that customer's account numbers
and, vice versa, account records accessible via the customer record.
• Enforced sequencing of beginning and end-of-period operations prevents
operator
errors.
• Enforced balancing of a teller's cash, cheques and vouchers on-hand with
computer entries maintains full cash control. One GL Cash and one GL
Cheque
account for each authorized teller.
• User modifiable transaction codes for use in client statements and
reports.
• Multiple addresses per client. This allows direct mailing to the business
or to the
home address or other address of the client, as well as temporary mailing
addresses.
• On-screen signatures and photos. Handling of multiple signatories with
user-
defined signatory rules.
• Many-to-many relationships between customers and accounts.
• Extended customer account relations (e.g. co-owner, signatories, loan
guarantors,
etc.)
• Customer-relation management allows maintenance of relations between
customers and allows analysis of the banking organization's exposure to
groups of
borrowers or conglomerates of companies.
• Support for various types of microfinance products and methodologies,
including
extensive support for various group methodologies (see "Microfinance Group
Features" below).
• Choice from a wide array of customer account number formats. If desired,
the
customer identification number (CID) can be used as the core part of the
account
number.
• The system applies the concept of User/Teller Roles rather than levels.
Created
roles are assigned with appropriate system functionalities. Users/tellers
are then
given the one or more roles to provide them access to the menu options
they need.
• Concurrent Multiple Language Support (CMLS). This allows the use of up to
three
different languages simultaneously for tellers, customers and for the
reports.
• Built-in report writer which allows users to create their own reports.
• Automatic opening of savings and/or share accounts for newly opened
customer.
• Opening of savings, share and loan accounts by template.
• Authorization of exception transactions is performed remotely within the
local area
network.
• Supports the following financial field formats: American (9,999,999.99)
European
(9.999.999,99), Indian "lakh format" (99,99,999.99). Number of decimal
places
may be zero, two or three. A total of 18 digits, including decimals, is
supported for
financial fields.
• Supports American (mmddyyyy), British (ddmmyyyy) or international date
format
(yyyymmdd), with the choice of slash (/), dash (-), or period (.) as
separator.
• Maintains the product-wise history of changes in interest rates.
Accepts other over-the-counter financial transactions such as utility
bills payment,
manager's cheque purchase, field staff reimbursements, etc.
• Maintains chequebooks inventory for financial products with cheque
facility.
• "Quick Access" feature that allows direct customer account access without
going
through the menu hierarchy.
• Extra features such as passbook cover layout designer, certificate of
deposit
designer, balance sheet and income statement designer, built-in
calculator,
transaction slip and transaction slip designer.
--
Thilini Sasanka Kalansuriya
Key Accounts Manager,
Fossmart (Pvt) Ltd,
163/1, Dutugemunu Street,
Kohuwala,
Sri Lanka.
http://www.fossmart.net
Tel: +94-114-962-600
Fax: +94-112-823 429
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