Stop running your portfolio from spreadsheets
Unguka360 is loan management and core banking software built for Rwanda’s non-deposit-taking microfinance institutions, SACCOs, and cooperatives — loan origination, KYC, delinquency tracking, BNR regulatory reporting, and CRB submission, in one system.
Built for Rwanda’s licensed lenders
The platform
One system, not five spreadsheets
Origination, KYC, collections, accounting, HR, and regulatory reporting — built around how Rwandan non-deposit-taking institutions actually operate, not bolted on after.
Loan origination & management
- Score, approve, and disburse every loan product.
- Track full repayment schedules automatically.
BNR & CRB regulatory reporting
- Quarterly NDFSP reporting templates, built from live data.
- CRB submission without a separate spreadsheet.
KYC & delinquency
- Verify clients before disbursement.
- Track overdue balances with BNR risk classification.
Accounting, tax & reconciliation
- Keep your books and apply loan taxes.
- Reconcile bank statements against your ledger.
HR & multi-branch
- Payroll and staff records for every branch.
- Role-based access so each user sees only what they need.
Ask your portfolio a question. Get a straight answer.
Unguka360’s AI assistant understands BNR compliance, loan operations, and your organization’s live data — so your team gets a clear next step, not a support ticket.
- Trained on your organization's own portfolio, not generic advice.
- Walks staff through month-end closing, journal fixes, and disbursement steps.
- Answers BNR and CRB compliance questions in plain language.
Regulatory-first, not regulatory-bolted-on
Built around Rwanda’s regulatory reality
Compliance with the National Bank of Rwanda (BNR) and the Credit Reference Bureau (CRB) isn’t an add-on — it’s built into how loans, portfolios, and reports work.
BNR-aligned reporting
Quarterly NDFSP (non-deposit-taking financial service provider) reporting templates, built to match what the National Bank of Rwanda expects.
CRB reporting
Submit borrower credit data to Rwanda’s Credit Reference Bureau directly from your loan records.
Full audit trail
Every approval, disbursement, and edit is logged — ready for internal audit, board review, or a regulator’s request.
The workflow
From application to repayment, one workflow
Apply & score
Capture the application and run it through your scoring rules.
KYC & approve
Verify the client, route for committee or MD approval.
Disburse & track
Release funds and track the repayment schedule automatically.
Collect & report
Record payments, manage delinquency, and report to BNR and CRB.
FAQ
Frequently asked questions
What is a non-deposit-taking microfinance institution in Rwanda?
A non-deposit-taking microfinance institution (MFI) is a financial service provider licensed by the National Bank of Rwanda (BNR) to originate and manage loans without taking customer deposits. Unguka360 is built specifically for this category, alongside SACCOs and lending cooperatives operating in Rwanda.
Is Unguka360 aligned with BNR reporting requirements?
Yes. Unguka360 generates the quarterly regulatory reporting templates non-deposit-taking financial service providers submit to the National Bank of Rwanda, and classifies your loan portfolio by risk bucket (Watch through Loss) as BNR expects.
Does Unguka360 support CRB reporting?
Yes. Borrower and loan data can be prepared and submitted to Rwanda’s Credit Reference Bureau (CRB) directly from your loan records, without maintaining a separate spreadsheet.
Can Unguka360 manage multiple branches and staff roles?
Yes. One organization can run any number of branches, with role-based access so loan officers, branch managers, finance staff, and the managing director each see only what their role requires.
Is Unguka360 a loan management system (LMS)?
Yes. Unguka360 is a loan management system — also called loan management software, or an LMS — covering origination, approval, disbursement, repayment, delinquency, and recovery. In Kinyarwanda it is a sisitemu y’inguzanyo: a system for gucunga inguzanyo across every branch of your institution.
How much does Unguka360 cost?
Pricing is quoted per institution, based on your branch count, user count, and active loan volume, so we give a figure against your actual numbers rather than publishing one price for every lender. The walkthrough and the quote are both free — call or email to arrange one.
Is our lending data secure and auditable?
Every disbursement, approval, edit, and repayment is written to an audit trail tied to the user who made it, so your institution can answer any internal or regulatory question about what happened and who authorized it.
Let’s look at your portfolio together
Talk to us about how Unguka360 fits your institution — loan management, BNR & CRB reporting, and back-office operations, all in one place.
Book a call0783 902 554 · 0733 770 003 · info@unguka360.com