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- Micro-finance System
- Data model
The tables behind Micro-finance System
Micro-finance System ships with 15 tables, grouped here by the feature that uses them. Every record your team works with lives in one of them, and you can add fields and tables in Proto.
- Tables
- 15
- Features
- 6
- Change it
- Add fields and tables in Proto
How the model is organised
Borrower and access records
Organizations, Borrowers, team members and Users identify the entity, borrower and people in the process.
Lending decisions
Loan applications links the borrower and owner; review decisions, record attachments and application evidence retain the basis and outcome.
Provider and collections
Group collection runs, loan accounts and Disbursements connect reviewed work to provider and account identities.
Servicing and audit
Repayments, repayment schedules and operation receipts preserve provider events, positions and action effects. Exchange rates holds effective currency references.
Every table, by feature
- Borrower and organization records5
- Loan application preparation6
- Independent credit review6
- Provider and account records6
- Group collection runs6
- Repayment and evidence review7
- Organizations
Banking organizations whose treasury operations are run in this app.
- Borrowers
Borrowers and their eligibility position, compared before a loan application is raised.
Linked to Organizations - Team members
Preparers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations - Users
Users
Linked to Users - Loan applications
Loan applications moving through authorization, submission and confirmation.
Linked to Organizations, Team members, Borrowers
- Loan applications
Loan applications moving through authorization, submission and confirmation.
Linked to Organizations, Team members, Borrowers - Borrowers
Borrowers and their eligibility position, compared before a loan application is raised.
Linked to Organizations - Organizations
Banking organizations whose treasury operations are run in this app.
- Team members
Preparers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations - Record attachments
Supporting documents attached to a banking instruction.
Linked to Loan applications, Team members - Application evidence
Provider evidence supporting a loan application revision, with validity and verification.
Linked to Loan applications
- Loan applications
Loan applications moving through authorization, submission and confirmation.
Linked to Organizations, Team members, Borrowers - Review decisions
Independent approver decisions recorded against a frozen application revision.
Linked to Loan applications, Team members - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Loan applications - Application evidence
Provider evidence supporting a loan application revision, with validity and verification.
Linked to Loan applications - Record attachments
Supporting documents attached to a banking instruction.
Linked to Loan applications, Team members - Team members
Preparers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations
- Loan applications
Loan applications moving through authorization, submission and confirmation.
Linked to Organizations, Team members, Borrowers - Application evidence
Provider evidence supporting a loan application revision, with validity and verification.
Linked to Loan applications - Loan accounts
Loan accounts opened from approved applications, with their provider identity and status.
Linked to Borrowers - Disbursements
Individual amounts moved against a loan application and its loan account.
Linked to Loan applications, Loan accounts - Exchange rates
Read-only effective exchange rates for this app.
- Borrowers
Borrowers and their eligibility position, compared before a loan application is raised.
Linked to Organizations
- Group collection runs
Group collection runs submitted for review and completed against verified collection evidence.
Linked to Loan applications, Organizations - Loan applications
Loan applications moving through authorization, submission and confirmation.
Linked to Organizations, Team members, Borrowers - Review decisions
Independent approver decisions recorded against a frozen application revision.
Linked to Loan applications, Team members - Application evidence
Provider evidence supporting a loan application revision, with validity and verification.
Linked to Loan applications - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Loan applications - Organizations
Banking organizations whose treasury operations are run in this app.
- Repayments
Provider repayment events recorded against a loan account, matched to the originating loan application.
Linked to Loan accounts, Loan applications - Repayment schedules
Dated provider positions for a loan account, used to reconcile recorded movements.
Linked to Loan accounts - Loan accounts
Loan accounts opened from approved applications, with their provider identity and status.
Linked to Borrowers - Loan applications
Loan applications moving through authorization, submission and confirmation.
Linked to Organizations, Team members, Borrowers - Disbursements
Individual amounts moved against a loan application and its loan account.
Linked to Loan applications, Loan accounts - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Loan applications - Application evidence
Provider evidence supporting a loan application revision, with validity and verification.
Linked to Loan applications
Keys and references
An application points to its Organization, Owner and Counterparty. Review decisions, record attachments, application evidence and operation receipts point back to the application through Parent. A collection run also points to its application and organization. A loan account points to its borrower; repayment schedules and repayments point to the loan account. Disbursements connect both the account and application. Keep provider event, instruction, snapshot and external account identities intact when importing records so repeated messages can be recognized.
Migration order
- Establish Organizations, Users and team members, then load Borrowers with their organization references.
- Load loan applications with owner and borrower references; attach supporting records and historic decisions with their source revisions.
- Load loan accounts and the provider identities used by Disbursements and group collection runs.
- Load Repayments, repayment schedules and operation receipts after their account and application references can resolve.
- Review exchange rates and reconcile a representative application from borrower through provider evidence.
Set up Micro-finance System your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.