ESKA Microfinance lets you configure a comprehensive portfolio of loan options that helps you quickly match an optimum product with the varying qualifications and risks of your customers.

Whether loans are designed to enable consumer or commercial aims, they can all be adjusted to specify mortgage/collateral eligibility requirements, insurance requirements, documentation requirements, amortization schedule, grace periods, interest/profit calculation rate and any applicable fees and/or taxes. You can also design interest/profit rates according to a flat- or reducing-interest rate, or to comply with Islamic financial guidelines.

Upon having standardized your products’ ranges and specifications, determining the optimum loan for you and your customers becomes a much faster process of simply matching their profiles to the range of loans for which they qualify. ESKA Microfinance features a powerful engine that calculates the customer’s information to provide the customer a final “sale price” and the amount you project to profit throughout the loan’s lifetime.

Enrich your product portfolio.

Classify your product portfolio by standardized specifications, including:

Mortgage/collateral eligibility requirements
Insurance requirements
Documentation requirements
Amortization schedule
Interest/profit rates, fees and taxes.

Adjust interest/profit rates according to

Flat interest
Reducing interest
Islamic guidelines and ethics.

Calculate consolidated consumer prices and net profits for every loan you process.

Top-to-Bottom Loan Classification