Reporting Module in Mifos

The Mifos Reporting module provides a robust set of operational, financial, and regulatory reports that enable financial institutions to analyze performance, control risks, monitor the loan portfolio, and comply with accounting and regulatory requirements. This functionality is key to strategic decision-making and day-to-day organizational management.

1. Loan Reports

Loan reports allow detailed monitoring of the credit portfolio, customer repayment behavior, and overall risk exposure.

1.1 Active Loan Status and Monitoring

• Active Loans Summary: Summary of all active loans, including outstanding principal, interest, and fees.
• Active Loans in Bad Standing: Active loans in poor standing, grouped by branch.
• Active Loans by Disbursal Date: List of active loans based on disbursement date.
• Active Loans in Last Installment: Active loans that are currently in their final installment.
• Active Loans in Last Installment Summary: Summary of loans in the last installment by branch.
• Active Loans Passed Final Maturity: Loans that have passed their final maturity date.
• Active Loans Passed Final Maturity Summary: Consolidated summary of overdue loans.

1.2 Delinquency and Aging Analysis

• Aging Detail: Detailed delinquency aging by client.
• Aging Summary (By Days): Delinquency summary categorized by days past due.
• Aging Summary (By Week): Delinquency summary categorized by weeks past due.

1.3 Projections and Cash Flow

• Expected Cash Flow: Expected cash flow comparing inflows and outflows.
• Expected Payments by Date: Expected payments organized by date.

1.4 Loans in Process

• Loans Awaiting Disbursal: Approved loans pending disbursement.
• Loans Awaiting Disbursal Summary: Monthly summary of loans pending disbursement.
• Loans Pending Approval: Loans currently pending approval.

1.5 Repayment Behavior and Risk

• Loans Paid Before Maturity (Detail): Detailed view of loans repaid before maturity.
• Loans Paid Before Maturity (Summary): Summary of loans prepaid before maturity.
• Portfolio at Risk (PAR): Portfolio at Risk report using standard calculation formulas.
• Portfolio at Risk by Branch: Portfolio at Risk grouped by branch.
• Rescheduled Loans: Rescheduled or restructured loans.
• Written-Off Loans: Written-off loans.

1.6 Loan Transactions

• Loan Transactions Report: Detailed report of all loan-related transactions.

2. Client Reports

These reports allow analysis of the client base and their relationship with financial products.

• Client Listing: Complete list of clients with details of their loan accounts.
• Client Summary: Client summary by branch, including number of accounts and status.

3. Savings Reports

Savings reports enable monitoring of the status and behavior of savings accounts.

• Client Savings Summary: Summary of savings accounts by client.
• Dormant Savings Accounts: Identification of inactive or dormant savings accounts.

4. Funds Reports

These reports facilitate control over funds disbursed by the institution.

• Funds Disbursed: Funds disbursed during a specific period.
• Funds Disbursed by Office: Funds disbursed grouped by branch.

5. Accounting Reports

The reporting module includes essential financial reports for accounting and regulatory compliance.

• Income Statement: Income statement.
• Balance Sheet: Balance sheet.
• Trial Balance: Trial balance.
• Journal Entries: Journal entries or general ledger.

6. Organization Reports

These reports are focused on internal operational control.

• Teller Cash Management: Cash management and control by teller.

7. XBRL Reports

Mifos supports regulatory compliance reporting under the XBRL standard:

• XBRL Reports: Regulatory reports for supervisory authorities and control agencies.

This module makes Mifos a powerful platform for financial analysis, portfolio control, risk management, and regulatory compliance, supporting both daily operations and strategic planning.