1
Microfinance institutions
Move field applications, credit checks, approvals and collections off paper and onto one loan record.
Digital Lending Platform for Microfinance Institutions, SACCOs and Banks in Ethiopia
For microfinance institutions, SACCOs and banks in Ethiopia that want to take, score, approve, disburse and collect loans digitally. DreamTech builds lending software. We do not lend money.
- Loan Origination
- Credit Scoring
- Repayment Tracking
Implementation overview: the Microfinance Digital Loan Platform, from field application to final repayment.
Field
Mobile loan applications
Rules
Configurable credit scoring
Telebirr
Disbursement and collection
Yours
Data and deployment
Who it is for
The platform is for licensed lenders and their staff. DreamTech builds and supports lending software. We do not lend money, hold borrower funds or make credit decisions. If you need a loan, contact a lender directly.
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SACCOs and cooperatives
Give members a clear loan process, with rules, guarantors and repayments managers can review.
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Banks
Add a digital lending channel next to your current core banking system without replacing it.
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Fintech teams
Build a branded loan product on a loan ledger that keeps every loan accounted for.
Modules
Each module can go into the first release or be added later. The signed proposal lists the modules in scope.
01
Loan Origination
- Branch and field applications
- Borrower and guarantor details
- Document capture
- Application status tracking
02
Credit Scoring
- Configurable scoring rules
- Eligibility checks
- Decision inputs kept on file
- Manual review step
03
Approval Workflow
- Approval levels and limits
- Maker-checker approval
- Reject or return with a reason
- Approval history
04
Disbursement
- Telebirr disbursement
- Bank account transfer
- Disbursement records
- Repayment schedule on approval
05
Repayment Tracking
- Installment schedules
- Paid, due and overdue status
- Partial and early repayments
- Telebirr and bank collections
06
Collections & Follow-up
- Overdue lists by officer
- SMS reminders
- Penalty rules
- Follow-up notes
07
Loan Products
- Interest and fee settings
- Terms and installment frequency
- Individual and group loans
- Micro-loan products
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Portfolio Reports & Controls
- Portfolio dashboard
- Arrears and portfolio quality
- Role-based access
- Audit trail
Works with your core banking or ours
The lending platform handles the loan journey: application, scoring, approval, disbursement and repayment. Your core banking system keeps the accounts and the general ledger.
If you already run a core banking system, we connect to it through its API or another agreed integration method. Approved loans, disbursements and repayments post to your core, so balances match. We review your core system's integration options during scoping.
If you do not have a core banking system, or want to replace it, DreamTech Core Banking covers members, savings, loans, tellers, branches and the general ledger. The lending platform then works on the same records.
Keep your current core
We connect through the API or integration method your core supports. Loan and repayment entries post to your ledger.
Use DreamTech Core Banking
Members, savings, loans, tellers, branches and the general ledger in one system, with lending on the same records.
Deployment and data ownership
You choose where the platform runs. Your institution keeps ownership of its institutional and borrower data under the project agreement.
Deployment can be set up under infrastructure and accounts your organization controls. Security controls are confirmed against your risk, infrastructure and compliance requirements.
On-premise
Run the platform on servers your institution controls, on your internal network.
Private cloud
Use controlled cloud infrastructure with defined network and access rules.
Hybrid
Keep main operations in one environment and place backup or recovery elsewhere.
Controls in every deployment
- Role-based access by branch and job
- Maker-checker approval for selected actions
- Audit trail of loan, approval and configuration changes
- Automated, encrypted backups and recovery testing
Pricing model in ETB
We have not published a fixed price for the lending platform. We quote in ETB after a short scoping call, once we know your loan products, users, channels and integrations.
The proposal gives one price for the agreed scope, paid by milestones. A monthly support SLA is optional. It starts only after acceptance and handover, and only if you choose it.
Provider fees, such as SMS or payment charges, are set by those providers.
What affects the quote
- Number of loan products and approval levels
- Branch, field and online channels
- Integration with your core banking system
- Telebirr, bank and SMS integrations
- Data migration from your current system
- Hosting: on-premise, private cloud or hybrid
Case study
Microfinance Digital Loan Platform
This project shows how DreamTech moves field lending onto a mobile app connected to a central loan system. It covers the loan lifecycle from application and credit assessment through approval, disbursement and repayment, with portfolio reports for management.
The project page is an implementation overview. It names no institution and makes no claims about approval speed or repayment performance.
Built with Flutter, Laravel, MySQL, Firebase and Docker.
What the project covers
- Field-agent mobile app for client registration, applications and documents
- Credit assessment against rules the institution defines
- Approval levels set by the institution, then disbursement with a repayment schedule
- Scheduled, paid and overdue installments for every loan
- Follow-up lists for each field officer
- Portfolio dashboard drawn from live loan records
Timeline
Development and customization take 40 days. Work starts after requirements, scope approval, the agreement, your inputs and kickoff are complete. The signed proposal records the start, acceptance and handover dates.
- 1
Scoping and credit policy review
We review your loan products, eligibility rules, documents, approval limits and reports, then agree the first-release scope.
- 2
Configuration
Loan products, scoring rules, approval levels, roles and branches are set up.
- 3
Integration
We connect the core banking, Telebirr, bank and SMS services that are in scope.
- 4
Pilot and acceptance
A first group of officers uses the platform on real applications. Your team tests the agreed workflows and reports.
- 5
Training and go-live
Each role is trained, migrated data is checked and the platform goes live.
Telebirr access, bank integrations and regulatory permissions follow the provider's or regulator's own timeline. They can move the launch date even when the software is ready.
FAQ
No. DreamTech is a software company. We build and support lending software for lenders. We do not issue loans, hold borrower funds or make credit decisions.
See the loan journey from application to repayment.
Book a demo and we will walk through origination, scoring, approval, disbursement and repayment, and answer questions about your setup.