Enterprise Financial Operating System

The Executive Back-Office provides full governance, credit underwriting, portfolio risk metrics, regulatory configuration, and institutional controls.

1. Portfolio Intelligence & Risk Desk

Located directly on the Administrative Dashboard (/dashboard), this desk tracks institutional solvency in real-time:

• Gross Disbursed Capital: Cumulative loan principal released across all branches.
• Total Collections: Real-time sum of repaid principal, interest, and late fees.
• Portfolio at Risk (PAR > 30 Days): The critical microfinance health ratio calculated as (Principal in Arrears > 30d / Total Active Principal) * 100. Flagged in danger red when exceeding regulatory thresholds.
• Member Liquidity Pool: Aggregate savings held across regular, fixed, and emergency accounts.

2. Institutional Profile & One-Click Templates

Under System Settings → FinCore Modules & Profile, administrators can select the active organization structure:

3. Loan Approval & Repayment Schedule Generation

When a loan application is submitted, the credit officer navigates to Loans → Loan Applications:

1. Review member KYC, credit source, and savings balance.
2. Click Approve. FinCore will validate starting loan ID, deduct initial application/processing fees, generate the periodic installment schedule, and disburse principal to the member's savings account.

4. SACCO Share Capital & Dividend Distribution

Navigate to SACCO Shares → Share Products. Define nominal share values (e.g. 50,000 UGX/share). Members can purchase shares directly debited from their savings accounts. At end of financial year, use Dividends to input a surplus dividend pool; FinCore automatically calculates and credits dividends pro-rata based on member shareholdings.

Operations staff (Branch Tellers, Field Loan Officers, KYC Verifiers) have streamlined role-based permissions designed for daily counter and field execution.

1. Member Onboarding & KYC Compliance

Navigate to Members → Add New Member:

• Enter Full Name, National Identification Number (NIN / National ID), Mobile Phone Number, and Physical Address.
• Upload KYC documents (scanned National ID copy, passport photo, proof of residency).
• On submit, FinCore automatically provisions primary savings accounts using configured defaults.

2. Cash Desk Deposits & Withdrawals

• Deposit: Navigate to Transactions → New Deposit. Select member account, enter cash amount, and confirm payment method (Cash / Bank / Mobile Money). A double-entry credit is posted to the savings ledger.
• Withdrawal: Select member account and enter withdrawal amount. FinCore performs an automated balance check to guarantee available funds (preventing unauthorized overdrafts).

3. Loan Application Intake

Tellers can submit loan applications on behalf of walk-in members under Loans → New Application. The system automatically computes estimated repayment schedules and checks guarantor requirements before placing the file into the committee approval queue.

Members enjoy a modern, responsive digital banking portal accessible from desktop, tablet, or smartphone.

1. Digital Wallet Breakdown

On the Customer Dashboard (/dashboard), members see their true financial position:

2. Instant Wallet Transfers

• Own Account Transfer: Move funds seamlessly between personal savings and target accounts.
• Other Member Transfer: Transfer funds instantly to peer members using their account number, with real-time balance checks and recipient verification.

3. Quick Loan Application & Self-Service Repayment

• Apply: Members click Apply New Loan, select a loan product (e.g. Quick 30-Day Emergency Micro-Loan), and view exact installment terms.
• Repayment: In My Loans, members can click Pay Now to pay individual installments or full balances directly deducted from their savings balance.

Use any of the following accounts to test the live demo system:

For licensed enterprise deployments on Hostinger, cPanel, or dedicated VPS servers, authorized clients receive private repository access directly from TFAST Digital Agency (https://tfastdigital.com/).

1. Accessing the Live Web Demo

Any client or evaluator can test the live platform without downloading any files:
• Interactive Web Login: https://fincore.tfastdigital.com/login
• New Member Registration: https://fincore.tfastdigital.com/register
• Pre-configured test accounts (Admin, Staff, Customer) are available on the login page for instant 1-click access.

2. Production Hosting & Server Requirements

1. Web Server: Nginx or Apache (with mod_rewrite enabled).
2. PHP Runtime: PHP 8.2 – 8.4 with BCMath, Ctype, cURL, DOM, Fileinfo, JSON, Mbstring, OpenSSL, PCRE, PDO, Tokenizer, XML extensions.
3. Database: MySQL 8.0+ or MariaDB 10.5+ with InnoDB support.
4. Document Root: Set document root to the public/ folder or use the included zero-configuration front controller for public_html.

Step 3: Database Creation & Import

1. In cPanel, open MySQL Databases and create a new database (e.g. tfast_fincore_demo).
2. Create a database user and assign ALL PRIVILEGES to the database.
3. Open phpMyAdmin, select your new database, and click Import.
4. Choose the provided database SQL file: database_backup/demo_database.sql (or database_backup/fincore_database.sql) and click Go.

Step 4: Configure Environment (.env)

Edit the .env file in your root folder with your live credentials:

Step 5: Set Directory Permissions

Ensure the web server has write access to the caching and storage directories:

Step 6: Live Verification

Navigate to your domain in any browser:
https://demo.tfastdigital.com/login
The demo login buttons will appear immediately, allowing clients and visitors to test the platform.