Loan applications
Keep each member request, purpose, requested amount, duration, and repayment frequency in a structured loan record.
Member loan management for savings groups
Loan management software for a clear application-to-repayment record
Organize loan applications, approvals, recorded disbursements, repayment schedules, repayments, balances, and loan history in the same platform as your group's member and contribution records.
Free plan available. No card required to start.
Keep the loan lifecycle connected to the member record
PamojaHub keeps the request, decision, repayment schedule, repayment history, and current loan state connected instead of duplicating them across separate files.
Review and approval workflow
Move applications through submitted, review, approval, rejection, cancellation, and active-loan stages with role-based permissions.
Repayment schedules
Generate installment schedules when an approved loan is recorded as disbursed, with due periods kept alongside the loan record.
Repayment recording
Record repayments against outstanding installments and preserve repayment history without maintaining a separate spreadsheet.
Balances and history
Review outstanding balances, repayment activity, and loan status from the same system used for the rest of the group's records.
Audit trail and reversals
Important loan actions connect to audit history, and authorized finance managers can reverse a recorded repayment when correction is required.
A controlled workflow
Move from application to repayment without losing the history
Each loan stays one record through its lifecycle, while repayment installments and recorded repayments remain linked to that loan for review and correction.
- 1
Create and submit the application
Record the member's requested amount, duration, repayment frequency, and purpose.
- 2
Review and decide
Authorized finance managers can review, approve, reject, or cancel according to the group's permissions and loan policy.
- 3
Record disbursement and generate the schedule
When an approved loan is recorded as disbursed, PamojaHub creates the repayment installments and activates the loan record.
- 4
Record repayments and monitor the balance
Repayments are allocated across outstanding installments and the loan completes automatically once all installments are fully paid.
Manage loan records without becoming the lender or custodian
PamojaHub records your group's loan activity. It does not lend the money, transfer loan funds, take custody of group funds, or store raw card details.
Borrowers can view their own loan details while authorized finance managers can manage the group's loan records.
Ordinary members do not receive access to another member's confidential loan details.
Group administrators control supported loan-policy settings such as limits, savings requirements, repayment periods, and flat-interest settings.
Loan disbursement and repayment records connect to the group's existing transaction and audit history.
Loan management FAQs
Common questions about managing member loans with PamojaHub.
What is loan management software for a savings group?
Loan management software gives a savings or community group one place to organize member loan applications, approvals, repayment schedules, repayments, balances, and loan history instead of managing those records across separate spreadsheets and notebooks.
Can PamojaHub manage the full member loan lifecycle?
Yes. PamojaHub supports applications, submission, review, approval or rejection, recorded disbursement, active repayment tracking, completion, cancellation, and manual default marking for authorized group officers.
Does PamojaHub lend money or transfer loan funds?
No. PamojaHub is management software. It records the group's loan activity but does not lend group funds, take custody of those funds, or transfer money to borrowers.
Can a group set its own loan policy?
Yes. Group administrators can configure supported loan-policy settings such as loan limits, savings requirements, repayment period bounds, repayment frequency, and the implemented flat-interest settings.
Can members see other members' private loan details?
No. A borrower can view their own loan details, while authorized finance managers can view the group's loans. Ordinary members do not receive access to another member's confidential loan details.
Keep every member loan in one clear record
Start with PamojaHub's Free plan and manage loans alongside contributions, members, meetings, voting, and reports.