Multi Credit Money Lending System User Guide

User Sign in

• User sign in with your User ID and Password

To register new customer profile

• Fill in user particulars
• Personal - Select Gender, Race, Area, Company Category and Employer from available selection list
• Fill in the same for Company, Spouse tabs
• Image Photo - Tag photo by clicking the browse button to retrieve photo from your local PC
• Loan Record - For user to view the existing loan from customer
• Referer Information - Unlimited fill in the references, click Add/Edit button to add or save changes of reference detail
• Save - to save entire record

To register new customer profile

• Loan Code - Auto generated after the loan record save
• Customer Code - Select the existing customer code
• Loan Date - Date of taking the loan
• Loan Type - Select MONTH, DAILY or WEEK
• Loan amount - Loan amount is the amount which customer apply
• Interest Rate % - Interest rate base on Loan Type
• Loan Term - The loan tenure base on Loan Type
• Late Charge Type - Select either % or $
• Late Charge - Late Charge will be count on daily basis from next due date onward at during payment
• First Payment, Installment Amt & Last Payment Amt - It will be auto calculated, but user still can make amendment on it
• Capital - This is the actual amount the customer taking on hand
• Deposit & Process Fee - A remark for any amount deduct from customer loan amount
• Offer Days - The number of days that will be deduct from late charge during payment
• Next Call - It auto update from Follow Up screen when user fill in the next follow up call
• Alternate Code - User definable own loan code, it can be retrieve at Customer Profile, Loan & Payment screen
• Guarantor - User to fill in guarantor detail
• Misc - Memo is the remark for the loan record
• Get Know - Is a survey from where of the advertisement customer came from
• Salesman ID - Predefine salesman ID for the commission to be paid
• Introducer - A remark from which introducer for this loan with commission to be paid
• Passbook Retail - A remark to know this loan have passbook retail with the bank, acc, ATM detail
• Payment Record - To show loan balance, total payment, loan schedule and payment record
• Agreement Detail - The detail will be printed on schedule J

Payment

• Payment ID - Auto generate after payment record save
• Loan Code - Select from existing loan code
• Customer detail and loan detail will be auto display
• Payment Date - The actual customer payment date
• Schedule - Auto display the last payment schedule
• Payment Amt - The amount receive from customer, it would deduct from loan balance
• Drag Interest - Will be auto calculated from month to month
• Drag Interest Paid - The actual customer payment
• Late Interest - Auto calculated based on late charge setting at loan record
• Late Interest Paid - The actual customer payment
• Other Charges - Any other payment other than payment or  interest paid
• Discount Amount - For Payment discount or early settlement discount
• Bank, Cheque No - Remark bank detail for every payment
• Collection Type - Select from predefinable collection type eg CASH, CHEQUE, ATM etc ...
• Memo - Payment remark
• Salesman ID - Predefine salesman ID for the collection commission to be paid
• Payment History - All history payment for the loan

Report

• User selectable Date range, Code range and other selectable filtering option
• Print - To be viewer on screen before it print
• Report Screen - Click printer button to further print to printer, click export button to export report to pdf, excel etc ..