Loan & Guarantee Management System
The Daraja Guarantee LGMS is the operational backbone of the platform — covering guarantee administration, loan lifecycle management, risk monitoring, approvals, compliance, and DFI reporting across all six African markets.
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Five operational areas, fully built
Loan origination & disbursement
Originate SME, agricultural, and asset finance loans. Disburse via bank transfer or PawaPay mobile money (TZ/LR).
Guarantee facility management
Issue, track, and manage first-loss and mezzanine guarantee facilities. Monitor utilisation daily.
Repayments & installments
Record repayments, mark installments paid or waived, and view full repayment history per loan.
FX rate management
Record daily FX rates for all six currencies. All amounts stored in local currency with rate at transaction time.
Borrower management
Full borrower lifecycle: KYC, AML screening, demographic data, active loans, impact surveys.
MFI partner management
Onboard, score, and manage MFI partner relationships. View partner ledger and monthly statements.
PAR30 / PAR90 monitoring
Daily portfolio-at-risk snapshots with trend charts. Alerts when PAR breaches configured thresholds.
Covenant monitoring
Automated covenant compliance tracking. Breach flags sent to investment committee when triggered.
Guarantee capacity alerts
Stop-loss alerts when the guarantee pool approaches its capacity limit. Configurable per facility.
Guarantee reconciliation
Reconcile outstanding guarantee exposure against fund balance. Flag discrepancies for review.
AML screening log
Full log of all borrower AML watchlist checks with outcome and timestamp.
Legal case tracking
Record and track legal proceedings against defaulted borrowers through to resolution.
Investment Committee workflow
IC approval flows for guarantee claims and regulatory exports. Minimum 3 members required for quorum. SOD enforced.
Guarantee claims
End-to-end claim management: submitted → under review → IC-approved → paid → recovery recorded.
Loan restructuring approvals
Restructuring requests created by loan officers and approved by country managers or investment committee.
Grievance management
Log, track, and resolve borrower and partner grievances with full audit trail from submission to closure.
SME credit review
Review SME direct applications, run credit assessment, match to MFI partner, and generate approval letter.
Underwriting dashboard
Role-scoped underwriting view for loan officers and country managers — applications awaiting review.
User management
Invite, role-assign, and deactivate users across all 9 roles. Scope by country, MFI, funder, or borrower.
Country & currency setup
Configure countries, currencies, and regulatory frameworks for each operational market.
Approval authority matrix
Configure delegated authority thresholds: which roles can approve which loan sizes and guarantee amounts.
Report scheduling
Configure automated report delivery schedules to funders, MFI partners, and compliance recipients.
Funder management
Manage DFI/funder profiles, capital commitments, facility scopes, and reporting obligations.
System settings
Configure platform-wide defaults: covenant thresholds, stop-loss limits, interest rate bounds, fee structures.
Regulatory export packages
IC-approved export packages for central bank submission (BoT, CBL, CMA Kenya). Full approval chain logged.
Funder impact reports
Automated PDF impact reports for DFI counterparties with JSONB snapshot data — immutable at generation time.
Executive summary
Board-level summary: portfolio size, PAR, guarantee utilisation, claims paid, and impact metrics.
Sector & geo exposure
Concentration analysis by sector, geography, and borrower. Flags over-concentration against configured limits.
PAR aging & recovery
PAR aging buckets (30/60/90/180d), recovery rates, and loss-given-default by cohort.
ESG / green finance
Green-eligible borrower and loan tracking for climate finance DFI reporting requirements.
Access control
Nine roles. One database. Complete isolation.
Row-Level Security is enforced at the Postgres layer — not the application layer. Each role sees only the rows their position requires, regardless of how the application is called.
super_adminFull platform access. User management. System configuration.
investment_committeeApprovals — guarantee claims, regulatory exports, underwriting.
compliance_officerAML log, audit trail, regulatory exports, grievances.
country_managerCountry-scoped loans, borrowers, MFIs, PAR, claims.
loan_officerOriginate loans, disburse, record repayments, impact surveys.
mfi_partner_adminPartner portal — own loans, borrowers, claims, statements.
funder_portalFunder portal — own facility, utilisation, impact reports.
borrowerBorrower portal — own applications, status, loan history.
auditorRead-only access — full audit log, financials, reports.
Compliance architecture
Designed for independent audit
Insert-only audit log
Every financial mutation — loan origination, disbursement, repayment, guarantee claim, status change — is logged with actor, timestamp, and before/after state. No UPDATE or DELETE grants exist on the audit_log table.
Segregation of duties
The loan officer who originates a loan cannot approve the guarantee claim on that loan. Enforced in application code, verified by automated test suite on every deployment, not just stated in policy.
Immutable impact reports
Impact reports sent to DFI funders are stored as JSONB snapshots at generation time. They cannot be edited after issuance — the report the DFI received is always verifiable against the stored snapshot.
Technology
Platform access is role-provisioned
Access to the internal LGMS is granted by your super admin after account creation. If you are a new user, contact your organisation's platform administrator.