The FAO-GIZ MicroBanking System

Overview

The FAO-GIZ MicroBanking System for Windows (MBWin) is banking software designed and developed to support financial intermediaries ranging from small to large. To cater for this wide range of users, the system is highly scalable in terms of software and hardware platforms and modular in terms of applications and functionality.

The MBWin has modules for Current Accounts, Savings Accounts, Time Deposits, Share Accounts, Loan Accounts, Lease Accounts, Multicurrency, Foreign Exchange, ATM transactions, Multibranch Operations and Fingerprint Capture that interface with the back-end General Ledger (GL) module thereby enabling a robust integrated system. It has a centralized contact information file (CIF), which contains an array of comprehensive information about the customers, members, groups, guarantors, signatories and other persons or entities either directly or indirectly related to a customer account.

The system provides a classic user-friendly Windows menu structure as well as a set of speed buttons for the most common functions.

The built-in reports are based on the requirements of different financial organizations, central banks or other supervisory institutions, donors and other external organizations. It is also possible to integrate user-written reports to meet the specific requirements of individual organizations or countries.

A product generator allows the user to setup and specify products without the need of re-programming source code.

A data capture or data conversion program (“Take-on System”) is provided as well. It is used to migrate manual records into the computer.

A translation utility is available to translate MBWin to other languages. Languages currently available are Arabic, Chinese, English, French, Indonesian (2 versions – Indonesian and East Timor), Korean, Laotian, Latvian, Russian, Spanish, Tamil, Thai and Dari.

A branch replication utility is provided to seamlessly and quickly set-up the MBWin system in a new branch, using an existing or pre-configured branch database. Archival and Purging utility allows for archival of old historic data into a separate database and purging of these data from the operations database. An intra-office electronic message system is built-in for remote approval of exception transactions. Recent enhancements include the automatic re-classification of non-performing loans by various non-performing categories in the general ledger, the automatic posting of

provisions for non-performing loans and the maintenance of various CGAP performance ratios, support for loan collaterals and automatic archival of any periodic reports.

Technology and Architecture

MBWin is written in the Borland Delphi@ programming tool in the front-end and using the Microsoft SQL Server Database@ at the back-end. It runs either on Microsoft Windows XP/Vista/7/8/10 for stand-alone platform or in a network environment utilizing Microsoft Windows 2008, 2012 or 2016 Server.

MBWin is a multi-tier client/server system with the following components:

• Client software for data input, running on the workstation • Application servers for processing, running on an application server • The SQL-Database, running on a database server.

The system is highly scalable. All components can be run in local and remote networking systems. In the case of small organizations, all three components may be run on one single computer under Windows XP (or higher). For medium size institutions, the application server and the database server can be run combined, on one physical server under Windows 2008, 2012 or 2016. Large organizations would run the application server and the database server on two or more separate servers whereby the application server runs under Windows Server. Very small organizations, such as village or community-based organizations with less than 100 members, can be serviced by a third party service provider without the need for purchasing their individual license or hardware, at a minimal cost.

Scalability also applies to the database platform. The entry-level Microsoft SQL Server database is the MS SQL Server 2008R2, 2012, 2014 or 2016 Express Edition for stand-alone users or small branches with up to five workstations. It can be upgraded to the more powerful MS SQL Server Workgroup, Standard or Enterprise editions for larger networks and branch networks. MS SQL Server Express Edition is freely distributed with the system.

MBWin System Features

• Supports both front-office interactive and back-office batch modes of transaction processing;

• Real time transaction processing, with automatic update of the respective general ledger accounts at end-of-day;

• Batch transaction types include (a) Mixed Accounts, (b) Inward Cheque Clearing, (c) Customer Account Debit List, (d) Customer Account Credit List, (e) Fund Transfer between Customer Accounts, and (f) General Ledger Journal.

• "Mixed Accounts" batch transaction type allows posting of transactions across customer accounts and General Ledger accounts, from within one batch.

• Integrated customer, savings, current account, time deposit, loan accounts, share accounts and general ledger application modules

• Standing Order facility for automatic regular fund transfer between savings, share accounts, current and GL accounts.

• User selectable automatic or manual clearing of cheque deposits. • Generation of automatic journals for transactions between two customer accounts

and between customer and GL accounts. This allows, for example for automatic recovery of loan installments from a savings or current account.

• Central customer file provides instant access to all accounts held by one customer. • Customer records accessible through any of that customer's account numbers

and, vice versa, account records accessible via the customer record. • Enforced sequencing of beginning and end-of-period operations prevents operator

errors. • Enforced balancing of a teller's cash, cheques and vouchers on-hand with

computer entries maintains full cash control. One GL Cash and one GL Cheque account for each authorized teller.

• User modifiable transaction codes for use in client statements and reports. • Multiple addresses per client. This allows direct mailing to the business or to the

home address or other address of the client, as well as temporary mailing addresses.

• On-screen signatures and photos. Handling of multiple signatories with user-defined signatory rules.

• Many-to-many relationships between customers and accounts. • Extended customer account relations (e.g. co-owner, signatories, loan guarantors,

etc.) • Customer-relation management allows maintenance of relations between

customers and allows analysis of the banking organization’s exposure to groups of borrowers or conglomerates of companies.

• Support for various types of microfinance products and methodologies, including extensive support for various group methodologies (see “Microfinance Group Features” below).

• Choice from a wide array of customer account number formats. If desired, the customer identification number (CID) can be used as the core part of the account number.

• The system applies the concept of User/Teller Roles rather than levels. Created roles are assigned with appropriate system functionalities. Users/tellers are then given the one or more roles to provide them access to the menu options they need.

• Concurrent Multiple Language Support (CMLS). This allows the use of up to three different languages simultaneously for tellers, customers and for the reports.

• Built-in report writer which allows users to create their own reports. • Automatic opening of savings and/or share accounts for newly opened customer. • Opening of savings, share and loan accounts by template. • Authorization of exception transactions is performed remotely within the local area

network. • Supports the following financial field formats: American (9,999,999.99) European

(9.999.999,99), Indian "lakh format" (99,99,999.99). Number of decimal places may be zero, two or three. A total of 18 digits, including decimals, is supported for financial fields.

• Supports American (mmddyyyy), British (ddmmyyyy) or international date format (yyyymmdd), with the choice of slash (/), dash (-), or period (.) as separator.

• Maintains the product-wise history of changes in interest rates. • Accepts other over-the-counter financial transactions such as utility bills payment,

manager’s cheque purchase, field staff reimbursements, etc. • Maintains chequebooks inventory for financial products with cheque facility.

• “Quick Access” feature that allows direct customer account access without going through the menu hierarchy.

• Extra features such as passbook cover layout designer, certificate of deposit designer, balance sheet and income statement designer, built-in calculator, transaction slip and transaction slip designer.

• Supports ATM and POS transactions, but some interface modifications might be required depending on the requirements of ATM transaction switch used.

• Automatic archiving and reprinting option for all periodic reports. Possibility to direct the printing to different printers for each particular report.

• EOD Posting Audit Report that allows to relate daily customer transactions to the resulting GL transactions.

Security Access, Data Security & Control Features

• MBWin has a number of built-in security and control features which make it highly suitable for use on stand-alone or local area networks in remote rural sites and in small offices where supervisor control is minimal.

• System access is controlled through a pre-authorized teller access number. Passwords are teller-selectable and changeable and consisting of six to ten alphanumeric characters.

• Record-level data security is achieved through an encryption algorithm that protects sensitive system information against outside manipulation.

• Configurable access control to the various system functions using the “roles” feature which limits a particular user to access only the designated menu options.

• Automatic data-recovery restores data integrity after system crash and informs the operator when a transaction needs to be re-entered.

• Paper audit trail and hardcopy account listings allow for a smooth shift to manual operations in case of prolonged power failure or hardware breakdown.

• Built-in work flow control minimizes the possibility of operator errors and automates major daily, monthly, and annual processes.

• The end-of-day and end-of-month data backup are enforced by the system. • Audit trail, supported by transaction vouchers and hard copy daily transaction and

account listings, records the number and date of the previous transaction. The teller number is recorded with each transaction.

• Audit trail for menu options used by the teller during the working day. • Via FingerPrint module supports Fingerprint Capture and customer verification

based on fingerprints. • Teller access log reports are available to see all the menu options accessed by

particular tellers for any period of time.

Contact Information File (CIF)

• Centralized CIF with protection against the creation of duplicate records. • Contact ID Number (CID) can be either system generated or manually assigned. • Customer orientated with instant access to all the customer's accounts and related

contacts on screen. • The system imposes no limit on the number of savings, current, time deposit,

share accounts or loan accounts per customer.

• Facility to set relationship between contacts through user-defined relationships such as spouse, corporate officer, shareholder, family relationships, or other personal relation.

• CIF records are accessible by (i) CID (ii) National ID number, (iii) Name or part of the name (iv) Any of the customer's accounts.

• Control of age-specific savings products through the customer's date of birth, such as for Senior Citizen and Youth Accounts.

• Maintains historic loan information for each client, which is available for future loan appraisal.

• Comprehensive contact information can be entered in a multi-tab page interface (e.g. for commercial banks) or abbreviated information can be entered quickly through the use of CIF template (e.g. for MFIs).

• Automatic opening of specified savings or share account when a new CIF record is created.

• Accepts personal as well as institutional contact information • Allows up to a maximum of four (4) configurable CIF name fields. • Allows up to a maximum of nine (9) user-defined CIF classification codes. • Handles multiple addresses (home, business, mailing, temporary, others). • Client can choose language preference (in CML configuration).

General Ledger Features

• User defined account format and header account format. GL accounts can have numeric or alpha-numeric account codes of a maximum of nine characters (or 13 characters if separators for numeric format are included).

• Easy account access through direct account code entry for experienced users or selection from pop-up menu for new users.

• Fully integrated and automated update of GL accounts with client transaction posting during end-of-day processing.

• Automatic reclassification of non-performing loans by their respective non-performing GL account.

• Automatic provisioning for non-performing loans as part of the end-of-month process.

• Automatic accrual of loan interest income (if income is accounted for on accrual basis) and deposit interest expenses (always accrued) and withholding tax liabilities.

• Standard reports include daily trial balance, daily listing of GL transactions and daily listing of GL transactions by GL account.

• The GL system can be run as a stand-alone program, which could be used in a head office accounting operation.

• Access to specific routines controlled by user defined teller roles. • User-configured Balance Sheet, Profit and Loss, Weekly Balance Sheet, Six-

column Trial Balance, and essential CGAP specified financial ratios can be generated.

Batch Operations

• Six different types of batches cater for all possible scenarios and maximize convenience and efficiency of operations;

• The Mixed-Account batch allows for transactions between client accounts and GL accounts in one and the same process;

• The Inward Cheque Clearing batch allows for debit of client accounts for cheques issued, validating cheque numbers with cheque books issued and marking-off the cheques in the cheque-registry;

• The Customer Account Debit List allows for quick processing of large number of debits to client accounts;

• The Customer Account Credit List allows for quick processing of large number of credits to client accounts;

• The Transfer Batch caters for transfers between client accounts and is ideal for giro-account type of operations;

• The General Ledger Journal is used for GL transactions; • Import-batch facilities, such as for salary payments or for loan recoveries (for

payroll loans) • The re-usable batch allows manually received monthly payrolls to be processed

efficiently by updating the master-batch with the changes for the month; • The anytime-recovery facility recovers loan repayments from savings or current

accounts any time during the day or at end-of-day so that credits to savings accounts will be automatically passed to the loan account (if the loan is overdue, and the recovery facility is activated).

Saving Account Features

• Automatic generation of journals for (i) Monthly or Quarterly interest transfer from Time Deposit to Savings account (ii) Automatic recoveries from Savings Accounts to repay a loan.

• No limit on the number of accounts per customer. • Automatic update of General Ledger at end-of-day. • Automatic update of General Ledger for interest expense accruals at the end-of-

month. • Controls for (i) Verification of available balance upon withdrawal (ii) Transactions

on dormant account (iii) Maintenance of user defined minimum balance (iv) User defined minimum balance for purpose of interest earning (v) Minimum opening balance for new accounts.

• Products user definable with or without passbook. • Products user definable with or without withdrawals allowed. • Facility for programmed savings with maturity date (contract and recurring savings) • User selectable options for no-book deposits and no-book withdrawals. • Automatic update of "un-posted" transactions in customer's passbook such as

debit/credit memos, no-book deposits and withdrawals, interest credits and withholding tax debits.

• Statement of Account printing upon customer request. • User defined period for dormancy with automatic transfer to dormant status and to

dormant GL account.

• Full support for passbook-less operations. • Full support for ledger-less operations. • Facility to place a Hold on (part of) the balance of an account for a specified period

of time. • Facility to define and control opening of "senior citizen" or "junior" accounts as a

function of the age of the client. • Dual account ownership allows full customer information of both customers for one

account. • Cheques can be issued and used, like current accounts. • Different types of account hold/block/freeze which include balance hold, account

hold, debit hold, credit hold, closing hold. • Option to stop interest calculation for individual accounts. • Unlimited number of cheque deposit types can be defined. • Allows up to five (5) user-defined savings account classification codes. • Interest Schemes:

o Choice of straight daily balance, minimum monthly balance or minimum quarterly balance.

o Optional graduated daily balance, selectable by product. The graduated rate depends on the balance of the account; for this purpose, a maximum of six balance brackets may be specified.

o User selectable monthly, quarterly, bi-annual, or annual automatic interest capitalization at the product level. User can also select not to capitalize at all.

• Withholding tax option with up to nine rates as function of the category of client and separate rates for savings and time deposit products. Withholding tax is automatically debited at the time of capitalization. Products and/or customers may be tax exempt.

• Pay or don’t pay interest on un-cleared cheques. • Separate, user defined, (i) minimum balance maintenance, (ii) minimum balance

for purpose of interest computation (iii) minimum opening deposit. • Choice of treatment of dormant accounts as to whether interest is payable or not. • Choice of current period interest payable/not payable upon account closure.

Share Account Features

• All features and functionalities of Savings Accounts are also available in the Share Accounts module. This application is normally used by cooperative institutions and sometimes referred to as “share capital” or “share contribution” accounts. They can either be classified under liabilities or as capital.

• Ability to produce share capital related reports such as “Patronage Refund” and “Dividend Distribution”.

• Ability to calculate the dividends for distribution at End Of Year and produce a batch for dividend posting.

Current Account Features

• Automatic generation of journals for (i) Monthly or quarterly interest transfer from Time Deposit to Current account (ii) Automatic recoveries from Current Accounts to repay a loan.

• No limit on the number of accounts per customer. • Overdraft facility with unlimited number of overdraft slabs per account, whereby

each slab representing an overdraft level, may carry its own (incremental) interest rate.

• Automatic update of General Ledger at end-of-day with current account transactions for that day.

• Automatic daily GL reclassification of clients accounts on the basis of credit or debit balance (from liability to asset or vice versa).

• Automatic update of General Ledger with debit interest capitalization (interest earned on overdraft accounts) at the end-of-month or quarter or year.

• Controls for (i) Verification of available balance upon withdrawal (ii) Transactions on dormant account (iii) Maintenance of user defined minimum balance for non-overdraft accounts (iv) Minimum opening deposits for new accounts (v) Cheque numbers actually issued and used (vi) stopped cheques.

• Statements of Account are printed daily or weekly or monthly or quarterly or upon customer request.

• User defined dormancy period. • Full support for ledger-less operations. • Dual account ownership allows full customer information of both customers for one

account. • Products user definable with or without passbook. • Automatic transfer of GL account balances from debit to credit and vice versa

depending on overdraft status. • Different types of account hold/block/freeze which include balance hold, account

hold, debit hold, credit hold, closing hold. • Unlimited number of cheque deposit types can be defined. • Allows up to five user-defined current account classification codes. • Interest Schemes:

o Interest rates for overdraft accounts set per account and per overdraft level, effectively allowing an unlimited number of rates per account, depending on the debit balance.

o Choice of 360 or 365 days per year as interest divisor. o User selectable monthly, quarterly, bi-annual or annual interest

capitalization. o Separate maintenance of both debit and credit interest balances. o For credit interest, choice of straight daily balance, minimum monthly

balance or minimum quarterly balance. o Optional graduated daily balance, selectable by product.

Time Deposit Features

• Automatic generation of journals for monthly or quarterly interest transfer to savings, current account, loan or GL pay-order account.

• Unlimited number of accounts per customer. • Automatic update of General Ledger accounts at end-of-day and for interest

accruals at end-of-month. • Control of (i) Pre-termination (ii) Dormancy after maturity (iii) Validation of interest

rates, periods and minimum and maximum amounts per bracket during opening. • Support for pre-numbered certificates-of-deposit (CD). • Optionally re-definable interest rates and contract duration at the time of opening of

the account. • User defined dormancy period, defined as number of month after maturity without

rollover. • Full support for ledger-less operations. • Allows multiple ownership. • Different types of account hold/block/freeze which include balance hold, account

hold, debit hold, credit hold, closing hold. • Allows up to five (5) user-defined time deposit account classification codes • Can specify Rollover until certain expiry date. Account will be renewed until that

date. • Optionally allows additional deposits until the maturity date. • Interest Schemes:

o Per product, interest rate may be a function of the term, the amount or a combination of both. Maximum of eight term brackets and five amount brackets.

o Interest may be paid monthly, quarterly, half-yearly, annually, upon maturity or at any time. Monthly and quarterly interest payments may be credited to a current account, loan or savings account or to a GL pay-order account.

o Upon maturity, the time deposit may be renewed ("rolled-over") with or without interest.

o Interest after maturity (and when not renewed) payable at the savings rate or at any other, specified, rate.

o Interest in case of pre-termination may be specified at (i) savings rate (ii) special rate (iii) time-based rate, depending on the term that was actually completed.

• Withholding tax option with up to nine tax rates as function of the category of client. If applicable, withholding tax is automatically debited. Separate rate schemes for savings and time deposits.

• Products user definable with or without passbook.

Loan Account Features

• Automatic generation of journals for monthly or quarterly interest transfer from Time Deposit and for transfers from a savings or current account for the purpose of loan repayment.

• System imposes no limit on the number of accounts per customer. • No limit on the number of loan products per bank. • Automatic update of General Ledger at end-of-day. • Option for accounting of income on either accrual basis or cash basis for

performing loans.

• Separate option for accounting on cash basis for non performing loans and for penal interest.

• If accrual basis is selected for performing loans, automatic generation of interest accruals and update of the General Ledger income account at the end-of-month.

• Control of o Product dependent loan limits o Opening, approval and disbursement process with supervisor control over

loan approval o Disbursement schedule (date and amount) o Product dependent maximum and minimum loan periods.

• Products definable as single repayment or choice of installment schemes with frequencies of daily, weekly, fortnightly, semimonthly, monthly, bi-monthly, quarterly, four-monthly, six-monthly, annually. In addition, a product may be defined to have an operator specified individual installment schedule which is flexible in terms of both installment dates and principal installment amounts.

• Repayment schedule with grace period, with or without interest during grace period.

• Repayment schedule with alternate installments with interest only and principal + interest.

• Rescheduling facility, with or without interest capitalization, with or without increase in loan amount, with or without change in installment schedule.

• Facility to debit miscellaneous charges as an accrual, separate from the principal balance.

• Option to deduct charges or fees from loan amount disbursed. • Unlimited multiple disbursements from the same account. • Disbursements may be made in cash, by cheque, or in kind. Repayments may be

made in cash, by cheque or by voucher. • Interest capitalization allowed only on an individual account basis for purpose of

rescheduling. • Repayments credited in the following order of priority:

o (i) Charges o (ii) Penal interest o (iii) Normal interest o (iv) Principal.

Optional "Specified Repayments" allow to override this order. • Up to eight user-defined loan classification codes. Each code may be three

characters with a break after the first character for purpose of sub-classification and sub-totaling.

• Up to four user-defined disbursement allocation codes per account, reflecting the use of cash or in-kind disbursements.

• Up to five classifications for non-performing accounts, based on user defined age of the oldest overdue installment.

• Automatic daily reclassification of non-performing loans over the user-defined GL classifications.

• Automatic provisioning for non-performing loans at end-of-month. • Daily report, at beginning-of-day, on installments falling due that day and listing of

all overdue loans. • Facility to generate a mail-merge file with account and customer information for the

purpose of sending billings or reminder letters to borrowers.

• Maintains historic information on closed loans and reports by client. Loan Interest and penal interest schemes.

• Interest and penal rate defined by product and specified at the time of account opening.

• Choice of 360 or 365 days per year as interest divisor. • Per product, installments definable as (i) annuity installments whereby the sum of

principal and interest is constant (ii) fixed principal installments with interest on declining daily balance (iii) fixed principal installments with flat interest on starting balance using either the daily interest or a periodic interest calculation.

• Option for deduction of interest in advance for loans with single repayment, with or without rebate in case of early repayment.

• An option for installment loans to apply repayments strictly following the installment schedule

• Option to add loan guarantors and co-owners • Allows two separate account links for automatic recovery and surplus payments • Support for customer designed loan agreement templates • Late loan reminders printing and archiving • Products user definable with or without passbook. • Supports for collaterals and different types of collateral categories • Reference (Prime) Rate feature that allows to link the interest rate changes in

particular loan products to pre-defined Prime Rates change (Interbank borrowing rate, or Central Bank lending rate etc.)

Lease Account Features

• Automatic generation of journals to transfer from a savings account for the purpose of rental recovery.

• No limit on the number of accounts per customer. • Automatic update of General Ledger at end-of-day. • Control of account opening, approval and release process with separate function

over lease approval. • Repayment schedule without interest during grace period. • Rescheduling facility, with or without change in number of rentals and frequency. • Facility to debit other charges as an accrual, separate from the principal balance. • Option to deduct commission charges from the allocated lease amount. • Lease Release may be made in cash or in kind. • Calculation of Input VAT on lease release. • Automatic balance hold in related customer Savings account according to the

customer contribution amount for lease at lease release. • Up to nine user-defined lease allocation codes for purpose of sub-classification

and sub-totaling. • Up to four user-defined disbursement allocation codes per account, reflecting

different purposes and categories in leasing. • Up to four classifications for non-performing accounts, based on user defined

age of the oldest overdue rental.

• Automatic daily reclassification of non-performing leases over the user-defined GL classifications.

• Daily report, at beginning-of-day, on overdue rentals and listing of all lease account not recovered.

• Maintains historic information on closed leases and reports by client. • Interest, penalty, input VAT, and output VAT rate defined by product and

specified at the time of accounting opening. • Option to add lease guarantors and co-owners. • Allows changing a related savings account for automatic hold and rental

recovery. • Supports for recording property related information. • Supports different type of release for registered and unregistered lease, with or

without commission. • Allows the number of advance rental in rental schedule. • Support repossession of lease account when the property is seized. • Allows reversal of previous rental recovery transaction. • Supports interest rebate for advance rental recovery.

Microfinance Groups Features

• Facility to maintain hierarchy of field officer/staff, up to three group levels, and group members.

• Automatic generation of disbursement and collection sheets. • Batch transactions for group disbursements and collections are automatically

created to allow exception posting, thereby reducing the processing time. • Transaction backdating (within limits) and maintenance of cash balances for

individual field staff provides excellent support for mobile banking and operations in remote areas.

• Loan installment schedules, and disbursements, can be synchronized with Center meeting dates

• Facility to include contract savings deposits in the collection sheet • Various reports can be generated specific to groups implementation • Loans of individual group members can be opened using loan opening template

which significantly reduces data entry • Bulk loan approval feature allows to approve many similar loans in batches in one

screen.

Multicurrency Features

• Multicurrency module caters for customer and GL accounts in multiple different currencies.

• Operations in each currency are handled in a separate MBWin database. Customer information is shared between databases. This allows viewing of all a client’s accounts in the various currencies.

• Six different reports can be printed based on consolidated information on all currencies or using the currency of choice.

• Foreign currency revaluation gains or losses are calculated automatically. They can be posted manually at anytime or automatically at the end-of-month.

• Maintenance of non-monetary items and automatic conversion of these into the base currency at the end-of-day.

ATM Interface Features

• Account enquiries • Withdrawals • Deposits • POS transactions • Transfers • Transaction reversal • Mini-statements • LORO transactions • ATM transaction fee handling • 24 hour per day acceptance and handling of ATM transactions • Support for single branch, separate branch databases in one server or multibranch

database configuration • Issuance of ATM cards and ATM card recordkeeping

Foreign Exchange Module • Supports foreign exchange operations in Multicurrency systems. • Allows entering daily exchange rates and to define allowed teller deviation from the

defined rates • Automatically calculates daily foreign exchange trading gain and loss at EOD

Multibranch (On-line branch) Module

• All Branch data in one central database • Possibility to post most transactions from any branch to any branch accounts • Centralized processing of periodic procedures • Centralized Backup and Log Backup Feature • Consolidated or selected branch reports • Merged or branch-specific products

MBMIS Consolidated Reporting Module

• Allows consolidating/merging the data from different branches, either single branch or multibranch systems, into one single database for the purpose of generation of consolidated or branch-specific reports in the head office

• More than 20 different management and statistical reports and trend graphs available for analysis.

• The reporting part is designed with the upper management in mind and consequently is very easy and intuitive to use.

• Consolidated trial balances with an option to drill down to the level of individual branches.

• Supports reporting in multiple currencies for multicurrency and also single currency systems

• CGAP indicator reports • Supports an unlimited number of user defined balance sheets, profit and loss

statements. • User defined loan provision definitions allows you to compute the provision for

the whole institution.

Recommended System Requirements for MBWin

Hardware:

LOCAL AREA NETWORK Server: Minimum: Intel Core2 1 GHz, 2 GB RAM, 20 GB HDD Recommended: Intel Xeon 1.4 GHz, 4 GB RAM, fast SCSI or SATA HDD Client: Minimum: Pentium 600 MHz, 512 MB RAM, at least 1 GB of free HDD space Recommended: Intel Core2 1 GHz, 2 GB RAM, 1 GB of free HDD space

STAND ALONE Minimum: Intel Core2 1 GHz, 2 GB RAM, 5 GB HDD Recommended: Intel I3 1.4 GHz, 4 GB RAM, 10 GB HDD As with any other software, the higher processor speed, more memory and faster hard disks will speed up the processing of operations. Also, if you plan for many tellers or high amount of daily transactions, the hardware requirements should be adjusted accordingly. PRINTER Reports are printed on standard A4 or Legal size paper using any Windows-compatible printer. Special passbook printers need to be used, if passbook printing facility is to be used.

Operating System:

LOCAL AREA NETWORK Server: Microsoft Windows 2008, 2012 and 2016 Server Client: Microsoft Windows Vista or Windows 7, 8 or 10

STANDALONE Microsoft Windows Vista or Windows 7, 8 or 10 Database: MS SQL Server 2008R2, 2012, 2014 or 2016 Express Edition or Microsoft SQL Server 2008R2, 2012, 2014 or 2016 Standard or Enterprise Edition

MBWin Users as of March 31, 2018

Country # Organization name

Number

of sites

Afghanistan 1 Agricultural Development Fund (ADF) 1

2 ANDKOHI IIFC 1

3 AQCHA IIFC 1

4 BAGHLAN IIFC 1

5 Balkh Agri Credit & Investment Coop 3

6 Balkh Employees IIFC 2

7 BALKH ISLAMIC IFC 1

8 BAMYAN IIFC 1

9 FARYAB ISLAMIC IFC 1

10 HELMAND IIFC 1

11 JAWZJAN IIFC 1

12 KABUL POS 1

13 Kandahar IIFC 1

14 KUNAR IIFC 1

15 Kunduz IIFC 1

16 Kunduz IIFC 1

17 NADALI IIFC 1

18 SAMANGAN IIFC 1

19 SPINBOLDAK IIFC 1

Bhutan 20 RENEW MICROFINANCE PROJECT 1

Cambodia 21 Anco Specialized Bank 1

22 Baytang Credit Organization 2

23 BNKC (Cambodia) Microfinance Institution Plc. 1

24 Cambodian Labor Care PLC 1

25 CAMMA MICROFINANCE LIMITED 1

26 Chamroeun Microfinance Limited (formerly EDM) 13

27 CITY MICROFINANCE PLC 1

28 DGB Specialized Bank Plc (formerly Cam Capital Specialized Bank Plc)

6

29 FAO PADEE Project IGRF 27

30 FARMER FINANCE LTD.(F.F) 1

31 Farmers Development Association 1

32 FASMEC MICROFINANCE 1

33 JAPAN-KHMER FUND FOR DEVELOPMENT 1

34 Khemarak Limited (formerly Funds for Economic Development) 1

35 KK Fund Leasing PLC 1

36 Komping Puoy FWUC (Farmer Water User community) 1

37 Kon Khmer Mongkol Heranhvatho PLC 1

38 MICROFINANCE AMATAK CAPITAL PLC. 1

39 Partnership for Community 1

40 PIPHUP THMEY MICROFINANCE PLC. 1

41 PREAH CHAN FINANCE PLC 1

42 PRINCE FINANCE PLC. 1

43 ROYAL MICROFINANCE PLC 1

44 SAHAKRINPHEAP 1

45 Samrithisak Limited 6

46 SEREY OUDOM MICROFINANCE PLC. 4

47 SONATRA-MICROFINANCE-INSTITUTION-PLC 1

48 Sovann Phoum 1

49 Thaneakea Phum Cambodia (TPC) 17

50 Tomato Specialized Bank 1

51 Vithey Microfinance Plc. (formerly Cambodia Community Building) 10

52 WOORI FINANCE CAMBODIA PLC. (formerly Malis Finance PLC.) 20

China 53 Association for Rural Development of Yilong (ARDY) 1

54 Chande Wuling Shuangxin Small Loan Co Ltd 1

55 Foshan Chancheng Join-Share Micro Credit Co. Ltd. 1

56 Guangzhou City Huadu Wansui Micro-credit Co.,Ltd 1

57 Huizhong MCC 1

58 Rishenglong Micro-credit Company 1

59 Rongfeng Micro-credit Company 1

Honduras 60 ADEPES 1

61 AHSETFIN 1

62 CAFEL 1

63 Cámara de Comercio e Ind. de Choloma 1

64 Cooperativa De Ahorro Y Préstamos - Fundación Covelo 1

65 Covelo 1

66 Credito Educacional Hondureno CREHO 1

67 Fundación Horizontes de Amistad 1

68 INHDEI 1

69 Prisma Microfinance, Inc. 1

70 SICSA 1

Indonesia 71 PD. BPR MUSTAQIM SUKAMAKMUR 13

72 PT. BANK BPR Sabee Muesampee 1

73 PT. BANK PERKREDITAN RAKYAT SYARIAH 1

74 PT. BPR Anugrah Swakerta 1

75 PT. BPR Apta Sejahtera 1

76 PT. BPR DARUL IMARAH JAYA 1

77 PT. BPR Lugano 1

78 PT. BPRS BAITURRAHMAN 1

79 PT. BPRS HAREUKAT 1

Jamaica 80 National People's Co-operative Bank of Jamaica Ltd. 35 Kenya 81 Milango Financial Services Ltd. 1 Korea 82 METROBANK 2

Kyrgyzstan 83 ABN 1

84 Ak Jom Jumgal 1

85 Aravan 1

86 Chet-Baisoorun-M 1

87 Dosbek 1

88 Kairatbol 1

89 Kopilka 777 1

90 Mametysa 1

91 Manzini Invest Credit 1

92 Paritet Kredit 1

93 Tokmok Trust 1

94 Zakovat 1

Laos 95 Alounmai NDTMFI 1

96 Agriculture Extension Fund 1

97 Champa Lao DTMFI 1

98 Champa Patthana NDT MFI 1

99 Champasak MFI 1

100 Dorkkhoun DTMFI (formerly Fonds Cooperatif) 9

101 Ekphathana MFI 13

102 ETL Staffs Saving and Credit Cooperative 1

103 Farmer's Livelihood Development MFI 18

104 Homxab Phatthana NDT MFI 1

105 Hongkeo NDMFI 1

106 Hongsa-Ngeun NDT MFI 1

107 Houngheuangxab MFI 1

108 IFDPMFI 7

109 Khop-Xienghone NDT MFI 1

110 LAT NDTMFI 1

111 Luang Prabang SCU 1

112 NDT-MFI-BDP 1

113 Netibandith NDT MFI 1

114 ONE NDTMFI 1

115 OUDOM EK Microfinance Institution 1

116 Oudomxay Development NDMFI 1

117 Panyaphone NDTMFI 1

118 Patoukham DMFI 1

119 Phaisane Lanxang NDTMFI 1

120 Phaivanh NDTMFI 1

121 PHONEMANY NDTMFI 1

122 PHONEVALY DTMFI 1

123 Phothisan Non-Deposit Taking MFI 1

124 Saleumsouk NDTMFI 1

125 Sasomsab NDMFI 2

126 Sayyaisamphanh DMFI 4

127 SCU Houamchai Phatthana 1

128 SCU Houaseachalerm 1

129 SCU Lao Telecom 1

130 SCU Mittaphap 1

131 SCU Vanmai 1

132 SCUTHAKHEK 1

133 Seno SCU 1

134 Sinhsup Meungnea NDTMFI 1

135 SNP Treasury Microfinance Taking Deposit, Ltd. 1

136 Souphaphone NDTMFI 1

137 Souykan Phathana NDMFI 1

138 Thaveexab NDT MFI 1

139 THAVISOK NDTMFI 1

140 Vandala NDTMFI 1

141 Vanxai Thavixab MFI 1

142 Vilabouli Denkham NDT MFI 1

143 Women Family Development Fund (WFDF) 6

144 Xayniyom NDTMFI 8

145 XOKKHOUNSAB NDTMFI 1

Latvia 146 KKS "Avots 37" 1

147 KKS "Dzelzceļnieks KS" 1

148 KKS ″Līgatnes druva″ 1

149 LABA Kooperatīvā krājaizdevu sabiedrība 1

150 Pūres KKS 1

151 Taurenes KKS 1

152 Zosēnu KKS 1

Malawi 153 Malawi Rural and Youth Enterprise Development Fund (MARYEDF) 4

Mauritius 154 MCB Microfinance Ltd. 1

Myanmar 155 IBK Capital Myanmar 1

156 LOLC Myanmar Microfinance Company Limited 37

157 MDP - Myanmar Development Partners 1

158 Myanmar Agricultural Services 2

159 SATHAPANA LIMITED 18

160 Shinhan Microfinance Co., Ltd 1

161 TU TU FINANCE_WCI MYANMAR 1

162 Woori Finance Myanmar 33

Nepal 163 A One Savings & Credit Co-operative Ltd. 1

164 Adarsha Samuha Saving & Credit Co-operative Limited 1

165 Agriculture Development Saving & Credit Co-op Ltd. 1

166 Ananta Saving & Credit Co-Operative Ltd. 1

167 Annapurna Multiple Co-operative Ltd. 1

168 Araniko Multipurpose Co-operative Society Ltd. 1

169 Artha Bhumi Saving & Credit Co-operative Ltd. 1

170 ATLAS Saving & Credit Co-operative Ltd. 1

171 Auddhogik Saving & Credit Co-operative Ltd. 1

172 Baba Saving & Credit Co-operative Ltd. 1

173 Barahi Multipurpose Co-Operative Ltd. 1

174 Best One Multipurpose Co-operative Ltd. 1

175 Budol Samudayik Saving&Credit Co-op Society Ltd. 1

176 Business Saving & Credit Co-operative Ltd. 1

177 Capital Mobilization Saving & Credit Co-op Ltd. 1

178 Comfort Saving & Credit Co-operative Limited 1

179 Deep Jyoti Saving & Credit Co-operative Ltd. 1

180 Dhaulashree Multipurpose Co-operative Society Ltd. 1

181 Dhuku Piku Saving & Credit Co-operative Ltd. 1

182 Dolphin Multipurpose Cooperative Ltd.(formerly Dolphin Saving & Credit Co-operative Ltd.)

1

183 Dudhakunda Saving & Credit Co-operative Ltd. 1

184 Elite Saving & Credit Co-operative Ltd. 1

185 ENERGETIC WOMEN'S SAVINGS &CREDIT PR 1

186 F-Ten Saving & Credit Co-operative Ltd. 1

187 Gautamshree Multipurpose Co-operative Ltd. 1

188 Growmax Saving & Credit Cooperative Ltd. 1

189 Gyanlaxmi Saving & Credit Cooperative Ltd. 1

190 Hamro Paurakhi Saving & Credit Co-operative Ltd. 1

191 Hello Kanchanjangha Saving & Credit Coop Ltd. 1

192 ILFCO MICROFINANCE BITTIYA SANSTHA LTD. 6

193 Invesco Saving & Credit Co-operative Ltd. 1

194 Jebil's Co-operative Ltd. 1

195 Kaligandaki Saving & Credit Cooperative Ltd. 1

196 Keshar Saving & Credit Co-operative Ltd. 1

197 Kilagha Multipurpose Cooperative Ltd. (formerly Kilagha Saving & Credit Co-operative Ltd.)

1

198 Kirtipur Multipurpose Co-operative Society Ltd. 1

199 Kisan Saving & Credit Co-operative Ltd. 1

200 Lalitpur Finance Ltd. 2

201 Lokeshwor Saving & Credit Cooperative Ltd. 1

202 Mahaboudha Saving & Credit Co-operative Ltd. 1

203 Majdur Shahid Smriti Consumer Co-operative Ltd. 1

204 Makwanpur Saving & Inv. Co-operative Society Ltd. 1

205 Manasalu Multipurpose Co-operative Society Ltd. 1

206 Manka Saving & Credit Co-operative Ltd. 1

207 Mata Baishnabi Saving & Credit Co-operative Ltd. 1

208 Mechi Co-Operative Society Ltd. 1

209 MERO CO-OPERATIVE LTD. 1

210 Munal Savings & Credit Co-operative Limited 1

211 Nabil Bank Limited Retirement Fund 1

212 Nabil Investment Banking Ltd. 1

213 National Co-operative Bank Ltd. 23

214 National Development Co-Operative Society Ltd. 1

215 Naulingeshori Saving & Credit Co-Operative Ltd. 1

216 Nawayug Multipurpose Co-operative Ltd. 1

217 Nayapati Saving & Credit Co-operative Ltd. 2

218 NMB Capital Limited 1

219 North Point Multipurpose Co-operative Ltd. 1

220 OM Shree Ganesh Saving & Credit Co-Operative Ltd. 1

221 Our's Multipurpose Coop Society Ltd 1

222 Pancha Shree Saving & Credit Co-operative Ltd. 1

223 Panchashil Multipurpose Co-operative Ltd. 2

224 Pasa Multipurpose Co-operative Society Ltd. 1

225 Pashupati Savings & Credit Co-operative Ltd. 4

226 Pathivara Siddakali Saving & Credit Co-op. Ltd. 1

227 People's Friends Saving & Credit Co-Operative Ltd. 1

228 PIPAL MULTIPURPOSE CO-OPERATIVE LTD. 1

229 Prashanti Saving & Credit Co-operative Ltd. 1

230 Pratibha Multipurpose Co-operative Ltd. 1

231 Pro-Ed Multipurpose Co-operative Ltd. 1

232 Prominent Saving & Credit Cooperative Ltd. 1

233 Purnakalash Saving & Credit Co-operative Ltd. 1

234 Purwanchal Saving & Credit Co-operative Limited 1

235 Reliable Saving & Credit Co-operative Society Ltd. 1

236 Riddhi Siddhi Multipurpose Cooperative Society Ltd. 1

237 Royal Multipurpose Cooperative Society Ltd. (formerly Royal Cooperative Ltd.)

1

238 Rupa Multipurpose Saving and Credit Co-op Ltd. 1

239 Sagarmatha Finance Limited (formerly Sagarmatha Merchant Banking & Fin Ltd.)

14

240 Sahakali Saving & Credit Co-operative Ltd. 1

241 Sahas Saving & Credit Co-operative Ltd. 1

242 Sahayogi Multipurpose Co-operative Society Ltd. 1

243 Samaya Saving & Credit Co-Operative Ltd. 1

244 Sankata Saving & Credit Co-operative Ltd. 1

245 Sapana Multi-Purpose Society Co-operative Ltd. 1

246 Sara Saving & Credit Co-operative Ltd. 1

247 Scope Saving & Credit Co-operative Society Ltd. 1

248 Shree Laligurans Multipurpose Co-operative Limited 4

249 Shree Mangal Saving and Credit Co-operative Ltd 1

250 Shree Teenmukhe Ganesh Saving & Credit Coop Ltd. 1

251 Shubhalabh Multipurpose Co-Operative Ltd. 1

252 Siddhi Ganesh Saving&credit Co-op Society Ltd. 1

253 SINCERE SAVING & CREDIT CO-OPERATIVE LTD. 1

254 Sorna Multipurpose Co-operative Ltd. 1

255 Srijana Co-operative Ltd. 1

256 Subista Saving & Credit Co-operative Limited 1

257 Suvalaxmi Saving & Credit Co-operative Ltd. 1

258 Swift Saving & Credit Cooperative Ltd 1

259 Swo-Bikash Saving & Credit Co-operative Ltd. 1

260 Synergy Finance Ltd. 13

261 Tarakari Phalafool Saving & Credit Co-Op Soc. Ltd. 1

262 Touchstone Multipurpose Co-operative Ltd. (formerly TOUCHSTONE Saving & Credit Co-operative Ltd.)

1

263 Town Development Fund 1

264 Unique Saving & Credit Co-operative Ltd. 3

265 UNITY SAVING & CREDIT CO-OPERATIVE LTD. 1

266 Welfare Saving and Credit Co-op. 1

267 WOMEN CO-OPERATIVE SOCIETY LTD. 1

Philippines 268 1st MACRO BANK, INC ( A Rural Bank ) 11

269 ADVENTURER'S MULTI-PURPOSE COOP. 1

270 AGDAO MULTI-PURPOSE COOPERATIVE 1

271 AGUSAN DEL SUR CAPITOL EMPLOYEES MPC 1

272 ALABEL GOV. EMPLOYEES MPC 1

273 ALAMADA MULTI-PURPOSE COOPERATIVE 1

274 ALICIA NEIGHBORHOOD MPCoop 1

275 ALL SAINTS' CREDIT COOPERATIVE 1

276 Aloran Integrated Cooperative 3

277 ALORANON MULTI-PURPOSE COOPERATIVE 1

278 AMPAYON MULTI-PURPOSE COOPERATIVE 3

279 ANGONO CREDIT AND DEVELOPMENT COOP. 1

280 BACUAG EMPLOYEES MULTI-PURPOSE COOP. 1

281 BAFAVENTRA MULTI-PURPOSE COOPERATIVE 1

282 Balingasag Government Employees Coop 1

283 Banco Alabang, Inc. ( A Rural Bank) 1

284 Banco Santiago De Libon (BSDL) 11

285 BANGA AGRARIAN REFORM COMMUNITY COOP. 1

286 Bangko Noveleta, Inc., a Rural Bank (formerly Unlad Rural Bank of Noveleta)

1

287 BANK OF HOPE INC. (formerly RURAL BANK OF PLARIDEL, INC.) 1

288 BANSALAN COCONUT FARMERS MFC 1

289 BANSALAN FARMS, VEN, EMP. & TR, INC. 2

290 BARUGAN FOUNDATION, INC. 1

291 Batu Farmers Multi-Purpose Coop. 2

292 BAUG CARP BENEFICIARIES MULTIPURPOSE 9

293 Baybank, Inc. (A Rural Bank) 2

294 BAYSIDE MULTI-PURPOSE COOPERATIVE 3

295 BCS CREDIT COOPERATIVE (Former Bansalan Cooperative Society) 19

296 BCS MULTI-PURPOSE COOPERATIVE 1

297 BISLIG CHAMBERS MULTI-PURPOSE COOP 1

298 BISLIG COMMUNITY & GOV. EMP. MPC 1

299 BOHOL COMMUNITY MULTI-PURPOSE COOP 13

300 BUKIDNON DEVELOPMENT MPC 2

301 BUKIDNON GOVERNMENT EMPLOYEES MPC 4

302 BUKIDNON STATE UNIV. EMPLOYEES MPC 1

303 BUKIDNON TRANSPORT MULTIPURPOSE COOP 4

304 BUKLOD MULTI-PURPOSE COOPERATIVE 1

305 CANDELARIA MULTI-PURPOSE COOPERATIVE 1

306 CANNERY MULTI-PURPOSE COOPERATIVE 1

307 CAPITOL SAVINGS AND LOANS COOP. 1

308 CFCST KILUSANG BAYAN CREDIT COOP. 1

309 CLIMBS EMPLOYEES COOPERATIVE 1

310 COA CARAGA EMPLOYEES MPC 1

311 Coops for Christ Iligan/LanaoDN MPC 1

312 Credit Basics & Innovations Corp. 1

313 CSCI OFFICERS & EMPLOYEES MPC 1

314 CSU Admin. Personnel MPC (formerly NORMISIST ADMIN PERSONNEL COOP DEVT)

1

315 DAVAO ORIENTAL MARKET MPC 2

316 DENR CARAGA AND COMMUNITY MPC 1

317 DIGOS MARKET VENDORS MPC 2

318 DINAS COMMUNITY MULTI-PURPOSE COOP. 1

319 DMPI EMPLOYEES CREDIT COOPERATIVE 1

320 DOH PERSONNEL MPC 1

321 DPHW EMPLOYEES MULTI-PURPOSE COOP 1

322 EL GRANDE MULTI-PURPOSE COOPERATIVE 3

323 FARMERS ALTERNATIVE SELF-RELIANC MPC 1

324 FILVINYL MULTI-PURPOSE COOPERATIVE 1

325 FIRST AGRARIAN REFORM CREDIT COOP. 1

326 FREEPLANTERS MULTI-PURPOSE COOP 1

327 GLAN MULTI-PURPOSE COOPERATIVE 1

328 GOLDEN CARAGA MULTI-PURPOSE COOP. 1

329 GREATER MIDSAYAP AREA MPC 1

330 GUMACA MSK MULTI-PURPOSE COOPERATIVE 1

331 ICPSTE-SAVINGS AND LOANS ASS., INC. 1

332 ICTUS PREMIER COOPERATIVE 16

333 ILIGAN CEMENT MULTI-PURPOSE COOP. 1

334 ILIGAN CITY & MISAMIS ORIENTAL MPC 1

335 ILIGAN CITY EAGLES CREDIT COOP 1

336 ILIGAN CITY GOVERNMENT EMPLOYEES MPC 1

337 ILIGAN DEALERS MULTI-PURPOSE COOP 6

338 INFANTA CREDIT & DEVELOPMENT COOP. 1

339 INTER-OFFICE EMP. & BUS. CREDIT COOP 1

340 JACINTO P.ELPA HIGH SCH. EMPL. MPC 1

341 KAPALONG COOPERATIVE 7

342 KAPAMILYA SAVINGS AND CREDIT COOP 1

343 KATIPUNAN SMALL COCONUT FARMERS MPC 1

344 KAUSWAGAN COMMUNITY MPC 1

345 KAUYAGAN SAVERS MULTI-PURPOSE COOP. 1

346 KIAMBA MICRO ENTREPRENEURS MULTI-PURPOSE COOPERATIVE (formerly KIAMBA MUNICIPAL EMPLOYEES COOP.)

2

347 KOOPERATIBA NG KIBLAWAN 1

348 KUMALARANG EMPLOYEES MPC 1

349 LAKE SEBU COUNTRYSIDE DEVELOPMENT MP 1

350 LAMITAN AGRARIAN REFORM BC 4

351 LAPANDAY MULTI-PURPOSE COOPERATIVE 1

352 LEYTE SOUTH MULTIPURPOSE COOPERATIVE (formerly PNVS MULTI-PURPOSE COOPERATIVE) 8

353 LIBUNGAN NATIONAL EMPLOYEES MPC 1

354 LORENZO TAN MULTI-PURPOSE COOP. 32

355 M.GUIANGA & SIRIB GROWERS & EMP. MPC 2

356 MACO DEVELOPMENT COOPERATIVE 5

357 MAGSIGE MPC 1

358 MAHAYAG FARMERS MULTI-PURPOSE COOP 3

359 MAKILALA MULTI-PURPOSE COOPERATIVE 9

360 MALAPATAN MULTI-PURPOSE COOPERATIVE 1

361 MALAYBALAY CITY EMPLOYEES MPC 1

362 MALAYBALAY CITY WATER DISTRICT EMPC 1

363 MALIMUNO MUNICIPAL EMPLOYEES MPC 1

364 MALINGAO COMMUNITY SERVICES COOP 1

365 MAMBAJAO MULTIPURPOSE COOPERATIVE (formerly MAMBAJAO CREDIT COOPERATIVE)

4

366 MANGAGOY FISHERMEN MULTIPURPOSE COOP 1

367 MANUEL GUIANGA MULTI-PURPOSE COOP. 1

368 MARAGUSAN DOLE BANANA GROWERS MPC 1

369 MARAMAG CREDIT COOPERATIVE 2

370 MARAYO BANK, INC. (A Rural Bank) 4

371 MASS-SPECC COOPERATIVE DEVT CENTER (formerly MASS-SPECC Central Fund)

1

372 MAWAB MULTI-PURPOSE COOPERATIVE 1

373 MEDIATRIX MULTI-PURPOSE COOPERATIVE 16

374 MICRO-ENTREPRENEURS MPC 8

375 MIDSALIP FARMERS MULTI-PURPOSE COOP. 6

376 Mindanao Consolidated Cooperative Bank (MCCB) (formerly Cooperative Bank of Misamis Oriental (CBMO))

17

377 MINDANAO SAVINGS COOPERATIVE 1

378 MISAMIS ORIENTAL PNP EMPLOYEES MPC 1

379 Money Mall Rural Bank, Inc. 3

380 MSU GENSAN MULTI-PURPOSE COOPERATIVE 1

381 MSU SULU MULTI-PURPOSE COOPERATIVE 1

382 MUST EMPLOYEES MULTI-PURPOSE COOP 1

383 MVC Employees Credit Cooperative 1

384 MVSM BANK (A Rural Bank Since 1953), INC. 10

385 NESTLE CDO EMPLOYEES MPC 1

386 NEWS MULTI-PURPOSE COOPERATIVE 2

387 NORALA VENDORS FARMERS COOPERATIVE 1

388 NOTRE DAME MULTI-PURPOSE COOPERATIVE (formerly NDMU DEVELOPMENT COOPERATIVE)

1

389 NOTRE DAME OF JOLO MPC 1

390 ORO COURT EMPLOYEES' COOPERATIVE 1

391 ORO INTEGRATED COOPERATIVE 8

392 ORO SAVINGS AND SHARING COOPERATIVE 6

393 OZAMIS CITY PEOPLE'S MPC 1

394 PAGADIAN CITY GOV'T. EMPLOYEES MPC (formerly GOVERNMENT EMPLOYEES MPC)

1

395 Paglaum Multipurpose Cooperative 14

396 PANTUKAN CHESS CLUB COOPERATIVE 11

397 Partner Rural Bank (Cotabato) Inc. 6

398 People's Micro Finance Cooperative 4

399 Philex Community Credit Cooperative 1

400 PICMW EMPLOYEES MULTI-PURPOSE COOP. 1

401 PIKIT GOV'T EMPL & BUSMN MPC 1

402 PILAR MULTI-PURPOSE COOPERATIVE 1

403 PLEASES COTABATO CREDIT COOPERATIVE 1

404 PNP - BANTEK KASUNAYAN DEV'T. COOP. 1

405 Polomolok Multipurpose Cooperative 2

406 RAMON MAGSAYSAY EMPLOYEES MPC 1

407 RHUDARDA MULTI-PURPOSE COOPERATIVE 3

408 RIZAL CAPITOL MULTI-PURPOSE COOP 1

409 Rural Bank of Abucay (Bataan), Inc. 2

410 Rural Bank of Bato (Leyte), Inc. 1

411 Rural Bank of Compostela(Davao), Inc 3

412 Rural Bank of Dulag (Leyte) Inc. 5

413 Rural Bank of Hilongos (Leyte), Inc. 2

414 Rural Bank of Kapalong (Davao), Inc 1

415 Rural Bank of Lebak (S.K.), Inc. 3

416 Rural Bank of Maasin (So. Leyte) Inc 1

417 Rural Bank of Mahaplag (Leyte), Inc. 1

418 Rural Bank of Manapla (Neg.Occ.), Inc 1

419 Rural Bank of Midsayap, Inc. 2

420 Rural Bank of Pagbilao, Inc. 4

421 Rural Bank of Sagay Inc. 1

422 SAGADA MULTI-PURPOSE COOPERATIVE 2

423 SAMAL ISLAND MULTI-PURPOSE COOP 4

424 Samar Multi-Purpose Cooperative 3

425 San Antonio Multipurpose Cooperative 1

426 SAN FELIPE COOPERATIVE 1

427 San Francisco del Monte Rural Bank 1

428 SAN FRANCISCO GROWTH ENHANCEMENT MPC 12

429 SAN VICENTE MPC 1

430 SCI MULTI-PURPOSE COOPERATIVE 1

431 SEED Center Ltd. 4

432 SELF-RELIANT MULTI-PURPOSE COOP. 1

433 SERVIAM MULTIPURPOSE COOPERATIVE 1

434 SINDANGAN FACOMA COMMUNITY MPC 7

435 SOCORRO EMPOWERED PEOPLE'S COOP. 4

436 SRT DIGOS COOP OF DAVAO DEL SUR 1

437 SRT TACURONG CITY COOP OF SUL. KUD. 2

438 STA. ANA MULTI-PURPOSE COOPERATIVE 1

439 Sta. Catalina Credit Cooperative 23

440 STA. CATALINA MULTI-PURPOSE COOP. 1

441 STO. NIÑO MUNICIPAL ECONOMIC COOP. 1

442 Tacurong City Employees MPC 1

443 TAGALOG COOPERATIVE DEV. CENTER 1

444 T'BOLI INTEGRATED DEVELOPMENT COOP 1

445 TEAM MULTI-PURPOSE COOPERATIVE (formerly SRT NORALA COOPERATIVE OF SOUTH COT.)

2

446 TIBUD SA KATIBAWASAN MPC 2

447 TIMBERMINES MULTI-PURPOSE COOP. 2

448 TORIL COMMUNITY COOPERATIVE 7

449 TREASURELINK COOPERATIVE SOCIETY 6

450 TUBOD PEOPLE'S COOPERATIVE 1

451 UNITED FARMERS AGRARIAN REFORM COOP 1

452 VALENCIA WATER DISTRICT EMP&CON MPC 1

453 ZAMBO. SUR AGRI. COLL. INTEG. COOP 1

454 ZAMBOANGA CITY GOV'T EMPLOYEES MPC 1

455 ZAMBOANGA DEL SUR GOVT.OFF.&EMPL.MPC 2

456 ZAMBOANGA SOCIAL WELFARE DEV. MPC 1

457 ZAMSURGEA COMMUNITY MPC 3

458 ZILLOVIA WOMEN'S MPC 1

Sri Lanka 459 Agro Micro Finance 8

460 Ahasliyadda Sanasa 1

461 Ahugoda Sanasa 1

462 Aragoda Sanasa 1

463 Arthacharya Foundation 7

464 Bamunugedara Sanasa 1

465 Beliatta Urban City Sanasa 1

466 Bimputh Finance PLC (formerly Bimputh Lanka Investment) 17

467 Deewela Medagama Perakum 1

468 Deewela Sanasa 1

469 Diyakithulkanda Sanasa 1

470 Dorawaka Yaddehimulla Sanas 1

471 Egodagama Sanasa 1

472 Galgamuwa Giribawa Union 1

473 Gathara Sanasa 1

474 Habaraduwa Participatory Development Foundation 1

475 Heenwella Hapudeniya Sanasa 1

476 Herathgama Sanasa 1

477 Hirana PTCCS Limited 1

478 Kahatawila Eksath Sanasa 1

479 Kamburupitiya Urban Sanasa 1

480 Kegalle Co-Op Urban Bank 1

481 Ketanwila Sanasa 1

482 Kirimetiyana Sanasa 1

483 Lanka Credit and Business Limited 4

484 Madagalla Sanasa 1

485 Maweli Finance (Pvt) Ltd 3

486 Navagraga Finance (Pvt) Ltd 1

487 Pragathi Sewa Foundation 3

488 Rajanganaya Yaya 6,7 PTCCS 1

489 Rolawa Sanasa 1

490 RSB LENDING LIMITED 1

491 SANASA Development Bank (SDB) 93

492 SAREERAM Micro Finance Services [Guarantee] Limited 1

493 Sawasthiwaththa Suhada PTCC 1

494 Sewa Lanka Community Financial Services Ltd 16

495 Sudeesa Social Enterprise Development Limited 1

496 Udumagama Sanasa Society 1

497 Wayamba Co-Operative Rural Bank Union Ltd 2

498 YMCA Batticaloa 1

Tanzania 499 Opportunity Tanzania Ltd. 2

Thailand 500 World Vision Foundation of Thailand 1

Uganda 501 Agaru SACCO 5

502 Alutkot SACCO 2

503 BARR RURAL DEVELOPMENT SACCO 1

504 Iceme Farmers SACCO Society Ltd. 1

505 Kasaana Ekinoni SACCO 1

506 Kashongi SACCO 1

507 KIBAYA YOUTH DEVELOPMENT SACCO 1

508 Kitgum Savings & Credit Society Ltd. 4

509 Kyangyenyi MR Coop. Finance Ltd. 1

510 Lira integrated schools SACCO 1

511 MAK SPH Cooperative Society Ltd. 1

512 MAMIDECOT 6

513 Moyo Co-op. Sav. & Cr. Society Ltd. 2

514 Mushanga Co-op Savings & Credit Society Ltd 4

515 Nakasongola Rural SACCO 1

516 OMIPA SACCO Ltd. 1

517 Rukoma SACCO 1

518 Shuuku Co-op Saving & Credit Society 4

519 Swisscontact Lira Data Service Center (DSC) 1

520 Tumaini Microfinance Ltd 1

521 UGANDA BANKERS' SACCO 1

Total 1,395

Contact Details

FAO/GIZ MicroBanker Project Food and Agriculture Organization of the United Nations (FAO) Regional Office for Asia and the Pacific

3rd Floor, FAO Annex Building, 202/1 Larn Luang Rd. Klong Mahanak Sub-District Pomprabsattruphai District 10100 Bangkok, Thailand Phone: (+66) 22-820-482 Fax: (+66) 22-820-482 Web: http://www.mbwin.net Email: info@microbanker.org

LICENCE FEES FOR FAO/GIZ MICROBANKING SYSTEM FOR WINDOWS

(as of January 30th, 2017 )

Price in US$ 1. Standard License for Standalone (for single

user) (9)

- MBWin with one application module of choice 1,500 - Additional application modules 250 per module

2. Standard License for LAN (for multiple users) (9)

For first 5 concurrent users: - MBWin with one application module of choice 2,000 - Additional application modules (2) 500 per module

Fingerprint Verification, Foreign Exchange or MBMIS Consolidated Reporting Module

250 per module

Extra 5-user pack 1,000 3. Volume License for Standalone or LAN (9)

a. Base license with one application module of

choice 16,000

b. Each additional application modules (per module, except d) and e))

2,500 per module

c. Site Licenses (per office or branch, up to 5 concurrent users)

- first 50 sites 1,300 per site - next 100 sites 1,000 per site - after 150 sites 700 per site

d. ATM Module 500 per site e. MBMIS Consolidated Reporting Module 250 per site Extra 5-user pack 1,000

4. Service Center licensing model (4) (9)

Base License fee 1,000

Base price per application module 750

Per teller per base module 500

Per teller per application module 200

5. On-line Branch module (5)

Per teller per base module 150 Per teller per application module (applicable for up

to 50 tellers) 50

6. MBMIS module for unlimited sites 15,000

7. Remote hosted licensing per site per annum (6) 300

8. The volume discounts for the modules that are sold separately. Applicable to ATM module, MBMIS module, On-Line Branch module, extra 5-user packs.

30% discount for up to 50 sites 35% discount for 50-150 sites 40% discount for more than 150 sites

9. In addition to above license fees, a support fee is required for the first 12 months of remote support when the first installation in a new organization is made. This entitles the organization to send one participant to the MBWin training course that is conducted periodically at the FAO Regional Office in Bangkok, Thailand.

2,500 per organization

10. Maintenance and Extended Support Fee for the following years (per annum, payable for each in advance)

15-25 % of the current value of the license fees

Modules under Development 11. Internet Banking module. The pricing is based

on the bank customers that are signed up as MBWin WEB module customers, a) Up to 5,000 customers: b) Up to 15,000 customers: c) Up to 50,000 customers: d) More:

2,000 4,000 10,000 15,000

12. Money Transfer module. The pricing is based on

the total number of bank's active customers, a) Up to 15,000 customers: b) Up to 50,000 customers: c) Up to 150,000 customers: d) Up to 500,000 customers e) More than 500,000 customers

2,000 4,000 6,000 8,000

12,000

13. External Transaction Processor (7) a) Up to 15,000 customers: b) Up to 50,000 customers: c) Up to 150,000 customers: d) Up to 500,000 customers: e) More than 500,000 customers:

2,000

4,000 7,000

12,000 20,000

14. Customer Volume Based Licensing

Base license with one application module for every 10,000 active customers up to 250,000

2,000

Base license for every 50,000 customers from 250,000 to 1 million

7,500

Base license for every 100,000 customers from more than 1 million

10,000

Per application module license for every 10,000 customers up to 250,000 (capped at 250,000 for per application module licenses)

500

Notes: 1. The base module of MBWin includes:

(i) General Ledger, (ii) Customer Maintenance, (iii) Configurator (iv) Take-on, translation, migration and branch replication utilities

2. Application modules are: (i) Savings Account, (ii) Current Account, (iii) Time Deposit, (iv) Share Account, (v) Loan Account (vi) Multi Currency (vii) Leasing Module (viii) ATM Module (might require additional customization depending on ATM switch software used).

3. The above fees are applicable as of April 1st, 2014 and can be changed without prior notice.

4. Service center licensing model is applicable for scenarios when one service center is processing transactions of number of small supported organizations and transactions are being entered by the service center staff rather than staff of the relevant organizations.

5. On-line branch module price is applicable to organizations using the system on-line, whereas the data of all branches are kept in one single database. The price of this module is charged on top of the normal MBWin license currently in use.

6. Remote hosted licensing can be used when a number of small cooperatives or groups would like to run the MBWin system from our server in Bangkok and

access it remotely, rather than running it on their own computer. This type of licensing does not carry initial license cost, but only annual cost. In such scenario any configuration, implementation, training costs need to be considered separately. Such license currently allows no more than one concurrent teller per each five cooperatives or groups.

7. External Transaction Processor module– used by organizations that would like to use the transaction posting mechanism for their own developed modules then it shall be available it as a separate module.

8. The above fees do not include the cost of software customization, on-site support and training that may be required for your organization.

9. The license of every teller is limited to maximum of 3,000 active customers, e.g. 5-teller license limits to 15,000 customers. If there are more than 3,000 customers per teller then Customer Volume Based Licensing (14) should be considered instead.

****