NCR standard

NCR standard

Managing a Client's Budget

Navigation: Client Administration > Search for existing Client > Highlight the client > Edit Client button > Budget.

This guide explains the main functions available on the client's "Budget" screen, which displays a summary of all budgets created for that client.

Before You Begin: Prerequisites

User Permissions: To view or edit budgets on this page, your user profile must be assigned the Change Client Budget to the role by a System Administrator. Additional resources to be activated on the user:
- Client Budget Expenses
- Add Client Budget Expenses
- Add Client Budget Notes

Understanding the Budget List

The main part of this screen displays a list of the client's saved budgets. The table below explains the information shown in each column.

Column Name	Description
Description	The unique name or description you gave to the budget (e.g., "January 2025 Salary").
Available	A checkmark indicates if the budget is active and available for use in affordability calculations.
Budget Date	The date the budget was created or last updated.
Amount Available	The final calculated amount the client has available for new loan instalments based on this budget .

Available Actions

After selecting a specific budget from the list by clicking on it, you can use the following buttons to manage it.

Button	Function
Edit Budget	Click this to modify the high-level details of the selected budget, such as its description or date.
Budget Items	Click this to view, add, or edit the individual income and expense line items within the selected budget. This is where you build the detailed affordability assessment.
Print Budget Form	Click this to generate and print a budget form, which can be given to the client to complete or sign.
Close	Click this to exit the Budget screen and return to the main client profile screen.

Guidelines

Affordability Assessment (South African Credit Providers): Remember that a compliant affordability assessment must accurately reflect the client's financial position. Ensure you include all applicable items, such as:

Gross income
Statutory deductions (e.g., tax, UIF)
Necessary Living Expenses (using NCR Table 1 as a minimum baseline)
All existing payment commitments (as found on a credit report)
A Discretionary Income Buffer (typically 10% for unsecured credit)

Understanding the Budget Items List

The main part of this screen displays a list of all the individual line items that have been added to the selected budget.

Column Name	Description
Description	The name of the specific income or expense item (e.g., "Salary," "Rent," "Groceries").
Type	Indicates if the item is an Income, anExpense, or Obsolete .
Amount	The monetary value allocated to that specific item.

Available Actions

The following buttons are available on this screen to manage the budget items.

Button	Function
Add a New Item	Click this to open a new screen where you can add a new income or expense item to the budget.
Edit Item	First, highlight an existing item from the list, then click this button to modify its description or amount.
Print Budget	Click this to generate a full, printable report of the completed budget with all its line items.
Close / Back	Click either of these buttons to exit the "Budget Items" screen and return to the previous client budget page.

Understanding the Calculations

The amount Available for the Instalment is calculated as: (Gross Income) - (Minimum Expenses) - (Statutory Deductions) - (Existing Debt Repayments).

MAXMONEY Developed by MYCOMAX MICROFINANCE SOLUTIONS. Novamesh 18/06/2026