Loan origination, approval workflows, disbursement, repayment tracking and savings accounts — for microfinance institutions managing hundreds of active clients, not a handful.
Loan origination to repayment, run from one platform
Manage a full client portfolio, approvals and repayment tracking in one dashboard.
See portfolio-at-risk and disbursement reports for their branch in real time.
Track their loan balance, repayment schedule and savings in one place.
Pull audit-ready reports instead of reconstructing them from spreadsheets.
Cobis gives every branch the same live view of the portfolio: who applied, what was approved, what was disbursed and what is overdue today.
Because origination, repayment and savings live on the same client record, a loan officer opens one profile and sees the client's complete relationship with the institution.
Built around how a microfinance institution actually operates — from the first loan application to the final repayment, with savings accounts handled alongside.
Digital loan applications, credit scoring inputs and a configurable approval workflow — no more paper application forms stacking up.
Track disbursed amounts, repayment schedules and overdue balances per client, with automatic status updates as payments come in.
Clients' savings accounts managed alongside their loan accounts, giving loan officers a complete financial picture per client.
Each loan officer sees their full client portfolio — active loans, repayment status and at-risk accounts — in one dashboard.
Portfolio-at-risk, disbursement and collection reports generated directly from live data, not a manual month-end spreadsheet exercise.
Branch staff, loan officers and management each see only what their role needs, with every transaction logged for compliance.
Most tools handle disbursement or repayment tracking, not both well. Cobis follows a loan from application through to final repayment, with savings handled alongside.
One client record
Loan and savings accounts live on the same client profile, so loan officers see the full financial picture.
Built for real loan books
Designed for institutions managing hundreds of active clients, not a demo with a handful of sample records.
Audit-ready by default
Every transaction is logged with role-based access, so compliance reporting doesn't require a separate reconciliation exercise.
Telecoms, regulators, insurers, hospitals and schools run on software we designed, built and still maintain.
We migrate your existing client, loan and repayment records, then configure Cobis around the way your institution actually approves and disburses — not the other way around — with on-site training for every role and a support line your staff can call.
Common questions from microfinance institutions considering a move off spreadsheets.
Yes, we handle migrating existing client, loan and repayment records as part of onboarding, so you're not starting from zero.
Still have questions about Cobis? We'll answer them directly.
We'll walk you through how Cobis handles origination, repayment and savings together — talk to our team about your institution.