Multi Credit Moneylender System User Guide

System Login

1. Key in given User ID and password.
2. Click Button to login.
3. Click button to abort.

System Main Screen

1. System - User Logout to quit to system
2. Customer - Input Customer Profiles, Check IC, and Buy Gold
3. Loan - Input Loans Record, Close loan, open loan and Delete Loan
4. Payment - Input Payment Record, Delete Payment
5. Report - Main Report, Transaction Report, Analysis Report and Easy Report
6. Other - Follow Up, Expenses, Sell Gold, Loan Summary, Change User Password

Multi Credit Moneylender System User Guide

Customer Profile

To create new Customer Profile

Customer With MyKad

1. Leave the Customer Code in blank.

2. Click button.


 

3. Click button.
4. After MyKad information show, click button to exit.
5. MyKad record will be fill into the customer profile.
6. Fill in the rest of the field eg. Contact No, Company, Spouse, Images Photo and Reference if any.

Customer Without MyKad or MyKad cannot be read

1. Manual fill in all customer particulars eg. Name, New IC no, Old IC No, Address and so on.
2. No MyKad photo will be extract, user to manual scan the MyKad and add into Image Photo.

Saving Customer Profiles

1. click button to save customer profile, customer code will be auto generated.
2. Customer Code will be share across all branches.

Read Existing Customer Profile

1. To read Customer Profile
   • You can key in customer New IC in the Customer Code, customer IC must with -, eg 801201-10-3551.
   • You can key in Alternate Code in the customer Code.
2. To Search Customer profile.
   • Click button.
     
      
   • Fill in any key words to search customer profile.
   • Key words can be part of the following field.
     a. Customer Name
     b. New IC
     c. Old IC
     d. Other IC
     e. Mobile No
   • Result Limit defaulted to 20 and can select to 10, 20, 50, 100, 250 & 500, the more limit select may cause slow loading process.
   • Company code to drill down just for that branch customer profile only.
   • Sort Order to select either sort by customer code or customer name.
   • Once confirm then click button to get the Customer Code.
3. Key in Customer New IC in the Customer Code will able to see all branches Loan Records.

Image Photo

1. 4 additional customer photo can be added in here, click button to browse the photo at your local drive.

Save Reference Information

1. Retrieve customer profile, go to Reference Information tab.
2. Fill in Reference particulars show as above image.
   • Click button to temporary save Reference details into Reference List and ready for next Reference detail.
   • Click button to remove unwanted Reference detail.
   • Click button to clear Reference detail and ready for next Reference.
3. Final button to save customer profiles otherwise all new added Reference will not be save into database.

Buy Gold

1. Retrieve Customer Profile and click button.


 

2. Customer Code and Customer Name will be auto fill in.
3. Click Gold Type to select from pre-defines gold type.
4. Fill in Item Type, eg Necklace, golden ring, ear ring, etc.
5. Fill in Qty, Unit Price, Weight (GM) and Total Amt will be calculated automatically.
6. Confirmed Amt is the actual buying amount from customer.
7. Fill in Other Charges if any.
8. click button to save to entry.

Check IC

1. Key in customer New IC, Old IC or Other IC.
2. Click to retrieve customer loan and guarantor information.
3. The result will show in 2 color, yellow color is own loan and pink color is as guarantor.

Add New Loan

1. Retrieve Customer Profile and click button.


 

2. New Loan screen will be call out, Customer detail will be auto fill.
3. Fill in Loan Date, Loan Type as MONTH and Next Due Date will be auto fill in but can change.
4. Leave the Stamping Date blank unless you know when you will stamp the Loan Schedule Agreement.
5. Fill Loan Amount, Interest Rate % (per month) and Loan Term (number of installment).
6. Click button to auto calculate the First Payment, Installment Amt and Last Payment Amt.
7. The First Payment, Installment Amt and Last Payment Amt can be change, it will reflect the total loan balance, remember to click button to auto count the actual Interest Rate %.
8. Capital is the amount that you pay to customer after deduct the Processing Fee and Stamp Fee.
9. Late Charge will be impulse during the payment when customer pay late by comparing the due date, late charge can be waive anyway.
10. Offer Days is the number of day that you offer to customer when they pay late, eg Due date is 01-03-2012, offer days is 3, pay date is 10-03-2012 total late is 9 days but customer entitle 3 days offer meaning he will be charge late interest at 6 days.
11. Next Call is the Follow Up date which to call customer to chase the payment.
12. Alternate Code is your own code which easier for you to retrieve customer profiles, loan record and making new payment.
13. Choose either Secured or Unsecure under Collateral field.
14. Flexi Loan (Scheme A) for monthly interest loan, Loan Term must be in 1 and select Interest Pay First.
15. Fix Capital Repayment will show in Payment Screen to remain to collect the capital payment.
16. Guarantor
    
    
17. Several way to input Guarantor detail, use button to search from existing customer profile, or
18. Client button to read from guarantor MyKad, or
19. Fill  in guarantor New IC or Old IC or Other IC and click the button to retrieve from previous loan guarantor detail.
20. Click button to check the guarantor loan history and the loan guaranteed.
21. Click button to get guarantor's photo from server.
22. Misc


 

23. Collateral Type is compulsory when the loan type is Secured loan, choose from pre-set collateral type, fill in the Description and Value, the description and value will be printed at Schedule K.
24. Select the appropriate Loan Status to best describe the loan behavior, Bad Debt are compulsory to select when the loan gone to bad debt.
25. Member ID, Reference No, Bank and Account No can be retrieve by click the button.
26. Printing Info will be print the Schedule J for unsecure loan or Schedule K for secured loan.
27. Click button to print loan documents.


 

28. Select which document to print and click the button.

Payment

1. Retrieve Loan detail and Click button.


 

2. New screen will show as above image, loan detail will be auto fill in.
3. Fill in Payment Date.
4. Fill in Payment Amt for scheme loan or Payment Amt and Flexi Interest Paid for Scheme A loan.
5. System will calculate the Scheme A Flexi Interest in pink color field and collection at yellow color field, eg system calculate scheme A interst charge as 90 and collection at 90/

   
    

6. If the Flexi Interest Paid (yellow color) is less than the Flexi Interest Charge (pink color), system will keep track that the loan have outstanding Flexi Interest balance.
7. For loan Early Settlement, fill in the full loan balance amount and fill in the Discount Amount for settlement, eg Loan Balance 1000 agree to settle the loan at 800, Payment Amt to put 1000 and Discount Amount to put 200.
8. Select Collection Type as Top Up for Scheme A loan Top Up, the top up amount will be added into existing loan balance.
9. Topup Amount first column is the amount that you pay to customer, second column put 1 and third column put what customer will pay back, eg. customer top up 100 and on hand get 80, fill in as 


 

10. Fill in Remark if any.
11. Click button to save the payment record.

Follow Up

1. Follow Up will show whatever loan on due.


 

2. Double click on the loan list, loan detail in Contact No and Customer Name will be show.
3. Make a call to customer and record the conversation in the Remarks column.
4. Select the pre-define Status for the conversation type.
5. Fill in the Next Call date which will be appear back in the list when the current date are greater or equal to the next call date.
6. click button to save to entry, the conversion will be store in the bottom list which can be double click to show up again.
7. Click button to view the customer profile.
8. Click button to view loan detail.
9. New function added to allow user to select Bad Debt only or all and allow to sort by Next Call, Company Code and Customer Name

Expenses

1. Expenses to record cash flow in and out others than Loan, Buy Gold, Payment & Sell Gold


 

2. Click button to search existing expenses record.
3. Fill in Expenses Date.
4. Fill in Expenses Description eg. Salary for the month of 02-2012, Office Rental, Electric Bill, etc.
5. Either Income for cash in or Payout for cash out.
6. Select the Category from pre-defined category for your expenses, eg SALARY, CAPITAL, RENTAL, etc.
7. Category can be filter at Expenses Report.
8. Click button to save the entry.
9. Click   button to remove expenses record.

Reporting

1. All report having the standard input function


 

2. Date From and Date To allow user to choose any date range of the report.
3. For Due Date Report the Date From can leave blank with just Date To to print overall outstanding loan due as at Date To.
4. Code From and Code To will depend report type, eg. customer profile will be customer code, loan report will be loan code
5. Further drill down the report by selection items from pre-define selection eg company code, loan type, etc.


 

6. Click to select single item or button to select all items to make selection, eg as below image.


 

7. Click button to print the report.