Janus Mtaji

Board Dashboard

Executive MSME lending performance

Monitoring, portfolio oversight, controls, and management insight only. Official credit decisions remain the 5Cs scorecard plus authorized credit approval.

Executive KPIs and portfolio visuals

Executive Portfolio Visuals

Operational, portfolio, and audit-readiness visuals only. Charts do not change credit decisions.

Management Insight

Decision performance

Decision Intelligence

Management action queue

Exception Queue

Developer visibility

Platform Admin Console

Cross-SACCO usage, system health, integration status, and audit activity.

Platform Alerts

Operational monitoring

SACCO Tenants

Integration Health

Usage Events

Recent Audit Activity

Field Capture Mode

Optional low-connectivity intake for field visits. Sync creates a review-required draft only; scoring is still run later from the normal Janus Mtaji form.

Checking connection...

Saved Applications

Continue an incomplete loan request when needed. Keep this row closed for a cleaner page.

Closed

Applicant

Complete the required appraisal sections in guided steps.

Step 1 of 8 0% complete

Loan Request

01_Input

Enterprise Size Use Reconstructed Financials? Business Sector (SASRA category) Sector Risk (auto) Product Type Purpose Requested Amount Term Months Interest Rate p.a. % Interest Method Existing Monthly Debt

SACCO Relationship

01_Input

Member Status Membership Tenure SACCO Savings Share Capital Balance Average SACCO Savings TurnoverAuto-populates from SACCO statement analysis where available. Non-Withdrawable Deposits Shares Balance Average Bank Account TurnoverAuto-populates from bank statement analysis where available. Average M-Pesa TurnoverAuto-populates from M-Pesa statement analysis where available. SACCO Repayment Other FI Repayment Business Experience

Compliance

No active hard stops

Complete KYC, site visit, adverse-info, CRB, and repayment checks before review.

Upload the CRB report first. The system will read the report and populate the locked CRB Rating field automatically.

CRB Statement Upload CRB Rating (auto-populated)Locked: upload and extract the CRB report to update this value.

Upload a CRB statement to auto-populate the CRB rating and show supporting repayment indicators. Only the CRB rating feeds the credit policy score.

Disputed CRB Support

Use this only where the borrower disputes a CRB record. The SACCO may give the member time to provide evidence or resolve the dispute; this is a workflow note and does not change the 5Cs score.

CRB Dispute Status Allowance / Follow-up Date Dispute Reference Resolution Plan / Notes

Negative Listing KYC Verified Site Visit Done Adverse Info Utility Bills On Time Late Installments Max DPD Current Arrears Days Restructured M-Pesa Statement Bank/POS Records

03 AltData

Optional

Statement Type Upload PDF / CSV / Image Statement PDF Password (if protected)

Use the borrower-provided password only for protected PDF bank or M-Pesa statements. The password is used for analysis only and is not stored or logged.

Statement ownership review Open only if the statement name or phone/account differs from the borrower.

Optional

Statement Owner Name Phone / Account Number Statement Period Start Statement Period End Review Status Reviewer Note

Alternative data is used to support loan appraisal, cashflow review and monitoring only. Collect only what is needed, inform the borrower where required, and correct or explain inaccurate information. Alternative data does not automatically determine the final loan decision.

Add SACCO, M-Pesa, or bank statements before analysis.

Alternative data source registry will appear after files are added or analysed.

Upload an M-Pesa, SACCO, or bank statement to populate monthly cashflow.

SACCO In

SACCO Out

SACCO End Balance

M-Pesa In

M-Pesa Out

M-Pesa End Balance

Bank In

Bank Out

Bank End Balance

Month 1 SACCO In Month 2 SACCO In Month 3 SACCO In Month 4 SACCO In Month 5 SACCO In Month 6 SACCO In

05 Reconstructed Financial Statements

System Template

06 Audited FS

System Template

Audited FS Upload

Upload audited financial statements for extraction, then review and accept the fields before they populate 06_Audited_FS. You can also key the figures manually when extraction is unavailable.

Collateral & Documents

01_Input / Evidence

Primary Type Primary Value Primary Valuation Date Primary Valuer Name Secondary Type Secondary Value Secondary Valuation Date Secondary Valuer Name Tertiary Type Tertiary Value Tertiary Valuation Date Tertiary Valuer Name Quaternary Type Quaternary Value Quaternary Valuation Date Quaternary Valuer Name Guarantor Shares

Loan Application & Appraisal Documents Not uploaded

ID / Registration Not uploaded

Business Permit Not uploaded

Bank / M-Pesa / SACCO Statement Not uploaded You can select or add more than one bank, M-Pesa, or SACCO statement.

Collateral Evidence Not uploaded You can select or add more than one collateral document.

Additional Files

File display name Category Upload additional files

Description / Note

No additional files uploaded.

Uploaded documents will appear here for viewing before submission.

Typed E-Signature Applicant consent captured

Loan Officer Notes

Completion acknowledgement

When submitted, the system will automatically stamp the logged-in user name, role, action, date, and time.

Optional Completion Comment

Step 1 Required fields loading... Not saved yet

Applications

Borrower	Branch	Stage	Decision	Score	Amount	Submitted	TAT

Select an application

Run a score or select a scored application to view the scorecard.

Portfolio risk summary

Credit Portfolio Monitoring

Post-disbursement monitoring for booked MSME loans. Monitoring supports portfolio management and does not change origination decisions.

Normal / Watch / Substandard / Doubtful / Loss SASRA: Normal / Performing / Watch / Substandard / Doubtful / Loss

Case Management

Exceptions, referrals, conditions, and missing-evidence work queue.

Risk Insights

Data enrichment, explainability, exception routing, and monitoring around approved credit policy.

Credit policy protected

Sector Policy Recommendation

Sector policy checks for caps, repayment capacity, margins, tenor, and security.

Connector Registry

Operational status for data sources used by the underwriting workflow.

Score logic unchanged

Audit Trail

Time	User	Role	Action	Entity	Hash

User Administration

Allocate roles, branches, status, authority limits, and reset passwords.

Legal & Compliance

Legal documents, version acceptance, client onboarding, IP assets, and licence review.

Welcome back

Executive MSME lending performance

Executive Portfolio Visuals

Decision Intelligence

Exception Queue

Platform Admin Console

Platform Alerts

SACCO Tenants

Integration Health

Usage Events

Recent Audit Activity

Field Capture Mode

Saved Applications

Applicant

Applicant

Next of Kin Details

Field Appraisal Form

Consent Checklist

Borrower Protection Before Booking

Business Location Verification

Daily CBS Member Template

Loan Request

SACCO Relationship

Compliance

Disputed CRB Support

03 AltData

05 Reconstructed Financial Statements

06 Audited FS

Collateral & Documents

Applications

Credit Portfolio Monitoring

Case Management

Risk Insights

Sector Policy Recommendation

Connector Registry

Audit Trail

User Administration

Legal & Compliance

Active Rule Version

Grade Thresholds

Score Weights

Workbook Formula Map