1C-Rarus: Microfinance institution

Software 1C-Rarus: Microfinance institution it is developed on the 1C: Enterprise 8.2 platform. The solution allows to organize all stages of issue and receiving the credits and loans: from the borrower's assessment before repayment of a loan and formation of the regulated and analytical reporting.

On December 19, 2013 the 1C-Rarus company provided a product "1C-Rarus: Microfinance institution" for automation of issue and receiving the credits and loans. The solution is focused on microfinance institutions and the collection companies.

Functionality

• Maintaining base of clients and their biographical particulars. Data validation by a security service.
• The borrower's assessment using the mechanism of the scoring card and compliance to formal and main requirements.
• Preliminary work with the borrower. The calculator of calculation of the diagram by the selected loan parameters.
• Automation of a design of a complete document package of the borrower (questionnaire, loan agreement, guarantees, pledge).
• Automation of work on signing of the contract of issue of a loan: calculation of the payment schedule for different schemes of payments: short-term loans, annuity payments, uniform payments, any options, etc.
• Calculation of percent on the following options: 360 days in a year, 365 days in a year, 366/365 days in a year.
• Execution of supplementary agreements under agreements of the issued loan.
• Maintaining agreement: charge of percent on agreements of loans, penalties.
• Analysis of a status of agreement settlements of borrowers.
• Design of issue of money according to the loan agreement and receiving payments for debt from borrowers.
• Collection accounting. Work with expired agreements, viewing history of agreements. The system of interaction with debtors.
• Formation of SMS notifications and e-mails for clients.
• Reporting: the register of agreements of loans, settlement on loans, return of loans, document flow under the agreement, the report on microfinancial activities, standard accounting reports.
• Data exchange on the issued loans with standard "1C: Enterprise Accounting".

The web interface allows all employees to work in uniform information base. The mail service and a possibility of sending the SMS is built in the program. Automatic unloading of data is provided in "1C: Accounting 8" for formation of postings on accounts of accounting and tax accounting.

2014: Addition to "1C-Rarus: Microfinance institution, edition 1"

The 1C-Rarus company issued in December, 2014 the addition to the program "1C-Rarus: Microfinance institution, edition 1". Development will allow microfinance institutions to communicate with Bureau of credit histories "NBKI" and to make operational decisions on results of assessment of the borrower.

The 1C-Rarus company continues to improve products for automation of work of microfinance institutions. Addition of IFI, edition 1 was available for sale ": Communication with BKI "NBKI".

A system allows to exchange credit stories with bureau of credit histories "NBKI". In the program the possibility of loading of data retrieveds is provided in the scoring card for the subsequent assessment of the borrower. Addition will allow to accelerate decision making process about issue of a loan.

The cost of a product is 12,000 rubles.

"Addition of IFI, edition 1: Communication with BKI "NBKI" is not the independent solution and 1C-Rarus can be used only together with a system ": Microfinance institution, edition 1".

2015

Security "1C-Rarus: The microfinance institution" is provided with hardware protection

The 1C-Rarus company released in March, 2015 a product for microfinance institutions with hardware protection which main advantages - big reliability and independence of failures on the server. The hardware key is executed on USB technology. The outer side of each key contains information on the name of the software product for which it is intended both unique number (s/n) of the security key and its barcode.

Advantage of hardware protection is big reliability. In case of failure on the server it is possible to activate easily protection, having set a distribution kit from a disk and to continue work in the normal mode. Users do not depend on the line of consultations, can use this key on different computers. Program "1C-Rarus: Microfinance institution, edition 1. The main delivery" with hardware protection went on sale in March, 2015, its price - 30,000 rubles.

Communication of microfinance institutions with the system of Scorista

On December 5, 2015 the 1C-Rarus company announced^[1] 1C-Rarus^[2] about start of sales of the module to the program ": Microfinance institution".

The solution allows to organize bidirectional coupling with the system of scoring of Scorista for the analysis and the subsequent assessment of the arriving requests for issue of loans.

The developed module allows the specialist of microfinancial company to carry out quality standard of solvency of the borrower for several seconds.

Development analyzes not only information on the borrower, but also the request, channels of its receiving and parameters of a loan. Such assessment happens to the help of modern mathematical methods of data processing and also information on high debt ratio, urgency, failures in banks, bad credit history of the borrower and to his behavior at return of last credits.

Notes