1. Overview

The Loan Reports category is the central hub for analyzing your entire loan portfolio. These reports provide essential tools for tracking financial performance, managing risk, monitoring daily operations, and auditing the complete lifecycle of a loan, from application to final settlement.

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2. Available Reports

The following reports are available in the Loans section.

Report Name	Description	Documentation
Active Loan Outstanding Breakdown	Shows a detailed breakdown of the components (capital, interest, fees) that make up the outstanding balance for all active loans	Active Loan Outstanding Breakdown
Age Analysis (Instalment Based)	A crucial risk report that categorizes overdue instalments into time brackets (e.g., 30, 60, 90+ days) to assess portfolio health	Age Analysis (Instalment Based)
Age Analysis (Instalment Based) - Enhanced	An advanced version of the Age Analysis regarding speed of processing.	Age Analysis (Instalment Based)
Bad Debt Written Off Report	Lists all loans that have been written off as bad debt within a specified period, essential for financial reporting	Bad Debt Written Off Report
Credit Life Remittance	A report used to calculate and detail the credit life insurance premiums due for remittance to the insurance provider (Zambia)	Credit Life Remittance
Detailed Loan and Payment Report	Based on the Detailed Loan report with a breakdown of payment for variable charges loans.	Detailed Loan and Payment Report
Detailed Loan Report	Provides a comprehensive, detailed view of all information for selected loans	Detailed Loan Report
Detailed Loan Report - Enhanced	An advanced version of the detailed loan report regarding speed of processing.	Detailed Loan Report
Detailed Loan Report - Combined	A variation of the Detailed Loan Report that may merge data from multiple entities for a more holistic view.	Detailed Loan Report
Follow Up V2 Report	An operational report for collections or client service, listing accounts that require a follow-up action based on specific criteria. V2 is an advanced version regarding speed of processing.	Follow Up Report
Follow Up Report - Combined	A consolidated version of the Follow Up report, potentially combining different entities in one group.	Follow Up Report
Future Instalments Paid Report	Identifies loans where clients have paid one or more instalments in advance of their scheduled due dates.	Future Instalments Paid Report
In Default Fees and Interest Report	Details the specific penalty fees and interest amounts that have accrued on loans currently in a default status.	In Default Fees and Interest Report
Instalment Detail Daily Analysis	Provides a daily summary of instalment-related activities, such as payments due, received, and missed.	Instalment Detail Daily Analysis
Loan Asset Report	A financial report that values the total loan book as an asset on the balance sheet, typically showing principal balances.	Loan Asset Report
Loan Expected Income Report	Forecasts the expected income from interest and fees over a future period based on the current active loan book.	Loan Expected Income Report
Loan Future Outstanding Fees Report	Details the contractual fees that are scheduled to be charged to loans in the future.	Loan Future Outstanding Fees Report
Loan Hand Over Report	Lists all loan accounts that have been handed over to an external party, such as a debt collector or legal firm.	Loan Hand Over Report
Loan Instalment Detail Report	Provides a detailed breakdown of each individual instalment for selected loans, showing amounts due, paid, and outstanding.	Loan Instalment Detail Report
Loan Outstanding Balances Report	A summary report listing the total outstanding balance for all or a selection of loans.	Loan Outstanding Balances Report
Loan Status On Application Report	Tracks the status of loan applications as they move through the various stages of the approval workflow.	Loan Status On Application Report
Loans Paid Report	Generates a list of all loans that have been fully paid up and settled within a specified period.	Loans Paid Report
Loans Per Hour Report	An operational report for managers that tracks the number of loans disbursed or processed per hour to measure productivity	Loans Per Hour Report
Maxcollect Loan Audit Report	Audits loan data related to the Maxcollect payment collection system to ensure data integrity and identify discrepancies	Maxcollect Loan Audit Report
Maxcollect Loan Audit Report - Enhanced	An advanced version of the Maxcollect Loan Audit with improved processing speed.	Maxcollect Loan Audit Report
Monthly Reconciliation Report	A key accounting report used to reconcile the loan sub-ledger with the general ledger on a monthly basis.	Monthly Reconciliation Report
Non-Performing Loans Report	Lists all loans that are classified as "non-performing" based on predefined business rules (e.g., being more than 90 days in arrears)	Non-Performing Loans Report
Overdue Loans by Month Report	Categorizes overdue loans based on the month their first payment was missed, which helps in tracking default trends over time.	Overdue Loans by Month Report
Payment to Client Report	Lists all payments made to clients, such as loan disbursements, refunds, or change given.	Payment to Client Report
Payments to 3rd Party Report	Lists all payments made to third parties on behalf of a client, such as to vehicle dealerships or other creditors.	Payments to 3rd Party Report
Possible Prescription Loans Report	A critical legal compliance report that identifies loans at risk of becoming prescribed (legally unenforceable due to the passage of time).	Possible Prescription Loans Report
Receipt Detail Report	Provides a detailed, line-by-line list of all individual receipts processed within a selected period.	Receipt Detail Report
Rescheduled Instalment Detail Report	Details all loan instalments that have been rescheduled, showing the original and new due dates for auditing purposes.	Rescheduled Instalment Detail Report
TechnoMetrix Loan OTP Audit Report	An audit report for One-Time Pins (OTPs) used in the loan process via the TechnoMetrix integration.	TechnoMetrix Loan OTP Audit Report
TechnoMetrix Loan OTP Report	A standard report on OTP usage and delivery status for loans processed with the TechnoMetrix integration.	TechnoMetrix Loan OTP Report
Opportunity Variance Report	The report allows microlenders to analyze whether a borrower was undersold.	Opportunity Variance Report