EVERYTHING IN ONE PLACE
Twelve modules. One lending system.
From the first application to the final repayment, Akoma covers the entire loan lifecycle — with security, roles and an audit trail built in from day one.
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Dashboard
Live KPIs across your whole portfolio — disbursed, collected, outstanding and overdue, computed the moment a repayment lands.
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Borrower Management
Full KYC profiles with Ghana Card, employment and guarantor details — plus every linked loan and repayment.
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Loan Products
Configure flat or reducing-balance products with your own rates, fees, durations and penalty rules.
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Applications
Capture requests against products with purpose, duration and supporting notes, ready for review.
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Approval Workflow
Officer-to-admin review with approve, reject-with-reason and reviewer + timestamp on every decision.
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Disbursement
Generate the loan account number and full repayment schedule automatically on release — cash, bank or mobile money.
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Repayment Schedules
Amortised installments with principal, interest and running balance on every line, for daily, weekly or monthly terms.
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Repayments
Record payments that auto-allocate to the oldest unpaid installment first, with partial and early-payoff support.
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Penalties & Overdue
Grace-period-aware penalties (fixed or %), auto-flagged the moment an installment falls due — no manual chasing.
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Reports & CSV
Portfolio, disbursement, repayment, borrower-statement and staff-activity reports — all one-click CSV exports.
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Roles & Access
Admin, Loan Officer, Accountant and Viewer roles — permissions enforced on the backend, not just hidden in the UI.
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Audit Trail
Every login, approval, disbursement, edit and PII reveal logged with user, time and IP address.
SECURITY & COMPLIANCE
Borrower data, protected by design.
The most sensitive borrower fields — Ghana Card, guarantor details, address and more — are encrypted at rest. Access is role-gated, masked by default and revealed only through an audited action, aligned with Ghana's Data Protection Act, 2012 (Act 843).
- ✓AES-256 encryption of sensitive fields at rest
- ✓Masked IDs with audited reveal-on-demand
- ✓Bcrypt-hashed passwords & JWT sessions
WORKS IN THE FIELD
Runs online, keeps going offline.
Akoma installs as a progressive web app for officers working in patchy-connectivity areas. Record repayments offline and they sync automatically — with idempotency keys that make double-posting impossible.
- ✓Installable PWA with offline app shell
- ✓Offline repayment queue with auto-sync
- ✓Cached data cleared on sign-out