Jitegemea Credit Scheme
MFI: Jitegemea Credit Scheme
Mifos Specialist: Adept Systems
Jitegemea is a small MFI located in Nairobi, Kenya. They're now currently serving approximately 14,000 clients across 17 branches. They chose to deploy Mifos for the flexibility and security it would provide as they expanded their services to the rural districts. They worked closely with Adept Systems to automate their manual Excel-based operations and integrate with their Pastel accounting system.
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Deployment Overview
Jitegemea was one of the first Mifos customers as part of our original lighthouse customer program. Their implementation was lead by local Mifos Specialist, Adept Systems. Bart Berning from the Grameen Foundation was also on the ground to ensure the project moved along smoothly.
| Estimated Start Date | Actual Start Date | Status |
|---|---|---|
| In Production | ||
| Estimated End Date | Actual End Date | |
| Nov 2007 |
Pre-Deployment Analysis
Lessons Learned:
Overall adoption across staff of Mifos was slower than desired. A key lesson learned was to make Mifos an organization-wide priority rather than just an IT one.
Overview of Existing Processes:
Downloadable Content: Gap Analysis Survey, Policy Manual
Configuration
Lessons Learned:
Downloadable Content: Configuration Inputs
Accounting
Adept Systems built a report to support the integration of Mifos with Jitegemea's accounting software, Pastel. Please read below to see how transaction data was exported from Mifos to be imported into Pastel.
Infrastructure
Server details for Jitegemea (single-branch setup)
Current
| Hardware/Processor | Hp Elite 7100 MT Intel Core i3 2.9GHz |
|---|---|
| Operating System | Windows 7 Professional 64 bit |
| Hard Drive | 600GB |
| RAM | 6GB |
Previous
| Hardware/Processor | IBM ThinkCentre MT-M 8326-76G 3.4GHz |
|---|---|
| Operating System | Windows 2003 Server w/ 10-user License |
| Hard Drive | 80GB |
| RAM |
2GB |
Reporting
Jitegemea uses the following reports in their operations:
| Report | Description | Format |
|---|---|---|
| Loan Status Report | Snapshot report of Loan Status and Savings for all clients, loan amount, amount due, amount paid, amount prepaid, amount ovedue, loan balance without interest, loan balance with interest, quantitative repayment, qualitative repayment, portfolio at risk both percentage and actual balance at risk, number of groups, number of clients, number of clients with active loans and number of new clients | Jasper |
| Loan Officer Loan Status Summary Report | Snapshot report of Loan Status and savings Summary for Loan Officer. | Jasper |
| Overall Loan Status Summary | Snapshot report of loan status and savings summary for the whole organization. | Jasper |
| Collection Sheet Report | Displays installments and amount due on the meeting day. | Jasper |
| Client Principal Report | Generates exports for principal paid for clients. | Jasper |
| Client Interest Report | Generates exports for interest paid for clients. | Jasper |
| Client Savings Report | Generates exports for savings paid for clients. | Jasper |
| Group Principal Report | Generates exports for total principal paid for groups. | Jasper |
| Group Interest Report | Generates exports for total interest paid for groups. | Jasper |
| Growth Oriented Enterprise Reports | Order the loan status Report by Loan Amount | Jasper |
| Disbursement Report | shows a list of all loans disbursed. | Jasper |
| Group Meeting Report | Lists the names of all active groups in the system displaying the meeting day of the week, time, loan officer assigned and venue of the group. | Jasper |
| Gender Report | Snapshot of loan status report showing performance by gender. | Jasper |
| Report by Product | Jasper | |
| Collection Sheet Report | BIRT | |
| Loan Status Report | BIRT | |
| Loans by Gender Report | BIRT | |
| Withdrawals Report | MySQL Browser Scripts | |
| Fees Report | MySQL Browser Scripts |
Data Migration
Jitegemea chose to manually migrate the historical balances from their portfolio that were recorded in Excel. This ended up being very time consuming, creating delays for the overall project.
Key lessons learned included:
- Migrating only current opening balances (historical data proved to be too much)
- Hiring more data entry staff earlier on in the deployment process.
- Better knowledge of Mifos constraints and processes - less adjustments needed later on.
The attachment below outline Jitegemea's Data Migration Plan
Downloadable Content: Jitegemea Data Migration Plan (.doc)
Training
Overall adoption of Mifos by staff occurred more slowly than expected. Key advice to improve the pace of adoption included:
- Train Credit Officers and all the employees earlier on in the process
- Involve Operations department from the onset
- Making automation and Mifos deployment an organizational priority and not just an IT or MIS priority.
UAT & Rollout
Mifos was rolled out across one branch at Jitegemea. Recently new branches have been opened. Due to the high costs of connectivity. Jitegemea maintains runs these branches "off-line". New loan applications and collection sheets from the off-line branches are couriered to the head office where they are input. A copy of the database is brought to each of these remote branches bi-weekly so that staff can monitor their loan portfolio.
Post-Deployment Planning
Jitegemea is engaged with Adept Systems on an annual support agreement providing on-site support maintaining their server, updating reports, and applying Mifos upgrades.
