▪️Loan Performance
Shows how loans are doing—amounts disbursed, repayments, overdue balances, and profits. Helps track trends, spot risks, and see which products perform best.
Loan Portfolio Analysis
This section gives you a summarized performance overview of all loan products over a specific time period
Fields:
Loan Product : The name/type of loan product.
Loans : Total number of loans disbursed for that product during the filtered period.
Disbursed Amount : Total amount disbursed under that loan product.
Paid Principal : How much of the loan principal has been repaid.
Paid Interest : How much interest has been paid by clients.
Principal Arrears : Unpaid principal past the due date.
Interest Arrears : Unpaid interest past the due date.
Penalty Balance : Outstanding penalties (if any).
Principal Balance : Total remaining principal amount not yet paid.
Interest Balance : Total remaining interest amount not yet paid.
Outstanding : Sum of unpaid principal + interest + penalties.
Visualisation
Principal Arrears vs Interest Arrears This chart compares how much overdue amount comes from the principal (the original loan amount) versus the interest (the cost of borrowing). It helps management see whether repayment delays are mostly from clients failing to pay back the borrowed amount or just the interest.
Principal Balance vs Interest Balance vs Penalty Balance This chart shows the current outstanding amounts clients owe, broken down into three parts:
Principal Balance: The remaining loan amount not yet repaid.
Interest Balance: The unpaid interest that has accumulated.
Penalty Balance: Any extra charges added due to late payments.
Delinquency Rates
This report helps institutions monitor loan repayment performance and identify overdue amounts by loan product, branch, or loan officer.
Fields:
Branch : The branch where the loans were issued.
Loan Officer : Name of the loan officer managing the loan.
Loan Types : The loan product name/type.
Disbursed Amount : Total amount disbursed under this loan type within the selected period.
Outstanding Balance : The total amount that is yet to be paid by clients (principal + interest + penalties).
Total Overdue : Total value of overdue amounts (unpaid after due dates).
30–50 Days Overdue : The portion of the overdue balance that has been overdue for between 30 and 50 days.
60–89 Days Overdue : The portion of the overdue balance that has been overdue for between 60–89 days.
90+ Days Overdue : The portion of the overdue balance that has been overdue for 90+ days.
Visualisation:
30–59 Days Overdue vs 60–89 Days Overdue vs 90+ Days Overdue This chart shows how many loans are overdue and groups them by the number of days late. It helps track how repayment delays are aging — from short-term overdue to long-term default risk.
Delinquency Rate (%) Plots the delinquency rate over time, with the Y-axis showing the percentage of overdue loans and the X-axis showing the date. This helps monitor trends in repayment behavior and overall portfolio health.
Loan Repayment Trends
This report provides valuable insights into borrower behavior and loan performance over time. This module is essential for tracking repayment efficiency and identifying trends across different customer segments and loan types.
Fields:
Branch : The branch associated with the loan account.
Client Name : The name of the borrower.
Account Number / Wallet Number : The unique identifier for the borrower's account.
Loan Officer : The staff member responsible for managing the client relationship.
Loan Types : The product name of the issued loan.
Customer Age Group : The age bracket of the borrower (e.g., 18–25, 26–35, etc.).
Customer Income Level : The borrower’s income range, typically segmented (e.g., low, medium, high).
Total Loan Disbursed : The sum of all loan amounts disbursed to the client.
Monthly Repayment Rate : The percentage of loan repayments made by the client each month.
Quarterly Repayment Rate : The percentage of loan repayments made by the client each quarter.
Yearly Repayment Rate : The percentage of loan repayments made by the client each year.
Total Repayment : The total amount the client has repaid to date.
Visualisation:
Loans Disbursed vs Repayments Collected Compares the total loan amounts given out with the repayments received, showing how much of the disbursed money has been recovered.
Repayment Rate by Customer Income Levels Shows how well customers in different income brackets are repaying their loans, helping identify which income groups manage repayments better or struggle more.
Repayment Rate by Customer Age Groups Breaks down repayment performance by age, showing which age groups are more reliable or riskier in paying back loans.
Top Performing Loans
This report provides a snapshot of how each loan product is performing over a selected time period. This view is designed to help institutions quickly identify the most effective and profitable loan products.
Fields:
Loan Product : The name of the loan product offered by the institution.
Total Loans Disbursed : The cumulative amount issued under each loan product during the selected period.
Total Repayment Collected : The total repayments received from clients under each loan product.
Repayment Rate (%) : The percentage of the loan amount that has been successfully repaid.
Profitability (Net Interest Income) : The net interest income earned from the loan product.
Customer Retention Rate (%) : The percentage of clients who returned for another loan under the same product.
Number of Active Loans : The current number of active loans under a given product.
Default Rate (%) : The percentage of loans under the product that are in default.
Visualisation:
Total Repayments vs Profitability (Net Income) vs Default Rate (%) Shows the relationship between the money collected from repayments, the profit earned, and the percentage of loans in default — helping to see how collections and defaults affect overall income.
Repayment Collected and Repayment Rate Compares the actual repayment amounts received with the repayment rate (percentage of loans successfully repaid), giving a view of both volume and efficiency of collections.
Customer Retention Rate vs Default Rate Shows how many customers are staying with the institution compared to how many loans are defaulting. This helps track whether defaults are affecting client loyalty and long-term sustainability.
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