ALIS — Lending Management System for Zambian Financial Institutions

The Reality

Running a Lending Business
in Zambia is Hard

If you manage a lending institution in Zambia, you already know these pain points. You're not alone — every lender we've worked with faces the same challenges.

Drowning in Paperwork

Loan files in cabinets. KYC forms in stacks. Client documents scattered across desks. Finding one file means digging through piles — and God help you if someone misfiles it.

Slow Approvals

Applications sit for days because no one knows where they are in the process. Loan officers can't track their pipeline. Clients walk away to competitors who move faster.

Collection Headaches

Chasing defaults with phone calls and SMS blasts. No promise-to-pay tracking. No systematic follow-up. Your collection rate depends on individual effort, not a process.

Blind to Your Numbers

Your NPL ratio is a formula in an Excel sheet. Your portfolio value is a number someone calculated last week. You can't make decisions in real-time because you don't have real-time data.

PMEC Complexity

GRZ salary deductions mean generating PMEC-compliant templates, coordinating with employer payroll cycles, and reconciling bulk repayments. It's a spreadsheet nightmare that eats days every month.

Compliance Risk

Bank of Zambia reporting requirements are getting stricter. Audit trails are manual. Preparing for a BoZ inspection means weeks of scrambling to produce reports that should take minutes.

Statement Requests Are a Nightmare

A customer calls asking for their statement. Someone has to manually pull loan ledgers, savings transactions, and payment history from different systems, stitch them together in Excel, and print or email a PDF. It takes 30 minutes per request — and you get these calls every day.

The Solution

There's a Better Way
to Run Your Lending Business

ALIS replaces 6+ disconnected tools — spreadsheets, paper files, manual ledgers, separate SMS systems — with one integrated platform designed specifically for Zambian lenders.

Without ALIS

Paper loan files in cabinets
KYC forms manually filled
Approvals take days
NPL tracked in Excel
PMEC templates built by hand
Collections chased by phone
BoZ reports assembled manually
Statements stitched together by hand
No real-time visibility

With ALIS

Every loan digitized & searchable
KYC captured in minutes, 4 profiles
Approvals in hours with pipeline tracking
NPL, PAR & portfolio live on dashboard
PMEC templates generated automatically
Collections with promise-to-pay workflows
BoZ reports exported in one click
Client statements in one click, PDF ready
Real-time cockpit, every morning

This is What Control Looks Like

When You Log In Every Morning,
This is What Greets You

The Cockpit gives you real-time visibility into every loan, every branch, every metric. No more waiting for someone to compile a report — your entire operation, live.

Good morning, Chitalu

Here's what's happening · Levy Branch

Live

Active Portfolio ZMW 404,456 Total outstanding balance

PAR > 30 21.4% PAR > 90: 0%

Collections Today ZMW 48,250 12 approved payments today

Disbursements Today ZMW 125,000 3 loan(s) disbursed

Needs your attention

4

Pending loan approvals 49

Approved, pending disbursement 3

Loans past maturity 102

Pending agent applications 1

Ally Insights

Low risk

Full dashboard

Trend stable

Key risk factors

Zero non-performing loans (NPL ratio 0%)
No loans past due or at risk of default
All 151 loans are active with no defaults

Recommendations

Proactively engage the 5 churn-risk clients with personalized follow-ups and payment reminders.
Review the loan terms and payment schedules for marketeer clients to identify potential cash flow mismatches.
Implement early warning triggers based on payment frequency and last payment date to detect churn before default.

However You Lend

However You Lend,
ALIS Handles It

From GRZ salary deductions through PMEC to collateral-backed lending and market traders in Soweto — ALIS handles every client type your institution serves across all 10 provinces.

GRZ & Salary-Backed

Handle PMEC Clients Easily

Streamline government and salary-backed lending with full PMEC integration. Generate PMEC-compliant repayment templates, manage employer MOUs, and track payroll deductions across ministries, provinces, and private companies.

Employer MOU

Employee KYC

Disburse

PMEC Deduction

PMEC Templates GRZ Ministries Payroll Deduction Employer MOUs Bulk Repayments

Secured Lending

Collateral Clients

Manage collateral-backed loans with full asset tracking. Register property, vehicles, and land titles as security. ALIS tracks collateral reuse, maximum pledge limits, and sends alerts when limits are reached. Note: ALIS records and tracks collateral details — title verification with the Lands Authority is handled by your institution during KYC.

Property — Lusaka

Stand No. 8472, Kabulonga · ZMW 1.2M

Pledged

Vehicle — Kitwe

Toyota Hilux · 2022 · ZMW 380K

Pledged

Land Title — Ndola

Farm 1234, Copperbelt · ZMW 650K

Reused (2/3)

Asset Tracking Reuse Limits Collateral Registration Auto Alerts

Walk-ins & Marketeers

Onboard individual walk-in clients and market traders with full KYC capture. From Soweto Market in Lusaka to Chisokone Market in Kitwe — capture trading name, stall number, turnover, and mobile money details.

Grace B. Phiri

Marketeer · Soweto Market, Lusaka

Stall A-247

Monthly Turnover ZMW 45K

Mobile Money Airtel Money

Credit Score 681

Full ID Capture Next of Kin Mobile Money Turnover Assessment Market Location

Serving institutions across all 10 provinces

Lusaka Copperbelt Southern Central Eastern Northern Luapula North-Western Western Muchinga

From Application to Collection

Every Loan Follows
a Clear Path

From the moment a client walks in to the moment the last Kwacha is collected — ALIS tracks every stage. No more lost applications. No more guessing where a loan is in the process.

Application

0

Client walks in or applies online. ALIS captures their details and creates a loan file — digitally, in minutes. No paper, no cabinets.

KYC Review

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Know-Your-Customer verification for 4 profiles — employees, walk-ins, SMEs, and marketeers. ID, next of kin, employment, and bank details captured in one flow.

AI Credit Score

0

Instant AI-powered credit score generated automatically. Explainable risk factors, risk classification, and recommended action — approve, review, or decline.

Approval

0

Loan officer reviews the score and application. Custom approval workflows route to the right person — branch manager, credit committee, or auto-approve based on rules.

Disbursement

0

Funds disbursed via bank transfer, mobile money, or cash. Key Fact Statement and loan contract auto-generated. GL entries posted automatically — no manual accounting.

Collection

0

Repayments tracked automatically — PMEC payroll deductions, mobile money, bank deposits. Promise-to-pay workflows, automated SMS reminders, and delinquency alerts keep recovery rates high.

Reporting

0

Every loan feeds into real-time dashboards, portfolio analytics, and financial statements. BoZ reports exported in one click. AI insights surface trends and risks before they become problems.

Real-time stage tracking — see exactly where every application is

Automatic notifications to applicants and staff on stage changes

Filter by stage, date, loan officer, or client type

SLA tracking with bottleneck alerts when applications stall

Your Team, Amplified

ALIS Doesn't Just Manage Loans.
It Helps You Decide.

Every applicant gets an instant AI credit score. Every question gets an instant answer from Ally, your AI lending assistant. Your team makes better decisions, faster — without the guesswork.

AI Credit Score John M. Banda

Payment History

Excellent

Credit Utilization

Good

Loan History

Good

Debt-to-Income

Fair

Instant scoring in seconds — every applicant scored automatically

Explainable factors — see exactly why a score is what it is

Risk recommendations — approve, review, or decline

Ally AI

Show me this month's delinquency trend by branch

Delinquency is down 12% vs last month. Lusaka leads at 2.1% NPL, Kitwe at 3.8%. Portfolio at risk stands at 3.2% — well within your threshold. Want a full breakdown by branch?

Yes, and flag any loans 60+ days overdue

Found 47 loans 60+ days overdue. 31 are marketeer loans, 12 walk-in, 4 SME. I've created a collection campaign list and drafted SMS reminders. Shall I send them?

Ask in plain English — get instant answers from your data

Generate reports on demand — no more waiting for IT

Automates routine workflows — collections, reminders, follow-ups

Reports & Analytics

48 Reports.
One Click Away.

From executive dashboards to Bank of Zambia regulatory submissions — every report your institution needs is built in. No more Excel gymnastics. No more month-end scrambles. Just open, filter, and export.

CEO Executive Dashboard Live

Portfolio84.2M

Active Loans12,847

NPL3.2%

PAR5.1%

GM Summary Daily

Disbursed TodayZMW 340K

Collected TodayZMW 280K

New Clients14

Overdue7

Lusaka

Kitwe

Ndola

Portfolio & Risk

Loanbook
Non Performing Loans (NPL)
Portfolio at Risk (PAR)
Arrears Aging by Instalment
Arrears Aging by Balance
Maturity Ladder
Loans Over Due
Loans Paid Out
Collateral Exposure

Operations

Pipeline
Loan Origination
Disbursement
Collections
Submission Report
Expected & Collected Interest
Calculated Transactions
Daily Balance
Loan Officer Performance

Bank of Zambia & Regulatory

BOZ Full Report
BOZ Fourth Schedule A
BOZ Fourth Schedule B
BOZ Fifth Schedule
BOZ Sixth Schedule
BOZ Sector Summary
CRB Submission
VAT Return
Year-End Tax Forms

Accounting & Finance

Consolidated Financial Statements
Consolidated Period Report
Aged Payables
Aged Receivables
Statutory Liability Aging
Fixed Asset Register
Cost Allocation
Monthly Interest Posting
Fees Report

Clients & HR

Borrowers
New Clients
Clients Without Loans
Client Mapping
Loan Product Breakdown
Payroll Analytics
Payroll Cost Allocation
CMMP Geographic Distribution
CMMP Households Quarterly

Executive Dashboards

CEO Executive Dashboard
GM Summary
Operations Manager
Consolidated Period Report

Every report exports to:

PDF Excel CSV Email Schedule

One Subscription

One Subscription.
Everything You Need.

For K3,500/month, you get the entire platform — loan origination, portfolio management, collections, accounting, HR, payroll, AI, and more. No add-ons. No per-branch fees. No surprises.

Ally — Your AI Assistant

Ask questions in plain English, build reports on demand, and automate routine workflows across your entire lending operation.

Loan Origination

Unified loan creation, public online applications, and multi-profile support for individuals, employees, marketeers, and corporate clients.

Portfolio Management

Loan book tracking, portfolio analytics, and early settlement capabilities to keep your lending operations fully under control.

Collections

Promise-to-pay management, automated collection workflows, and real-time delinquency monitoring that keeps your recovery rates high.

Accounting

General ledger, journals, financial reporting, and asset management — a complete accounting suite built for lenders.

HR & Payroll

Employee management, payroll processing, and payslip generation integrated seamlessly with your financial operations.

Communications

Automated SMS and email notifications with customizable templates for every stage of the loan lifecycle.

Custom Loan Products

Configure interest rates, terms, fees, and service charges per product — without writing code.

Custom Roles & Permissions

Granular permissions for every team member. Control who can create, approve, disburse, and report.

Process Manager

Build custom workflows visually. Define stages, conditions, and approvers — without writing code or hiring consultants.

Reports & Dashboards

Executive dashboards, portfolio analytics, collections reports, and financial statements — all auto-generated.

Auto-Generated KFS & Contracts

Key Fact Statements and loan contracts generated automatically from product config — compliant and consistent.

One-Click Client Statements

Generate a complete, consolidated customer statement as a PDF in seconds — all loans, savings, payments, and balances in one document. Email it directly to the customer or let them download it from the self-service portal. No more manual Excel stitching.

ALIS Forever

You're not just buying software — you're partnering with us. Request new features and change requests for free. Want a new report, a custom workflow, or a tweak to an existing screen? Just ask. We build it, you get it — no extra invoices, no change-order fees, ever.

Trusted by lenders across Zambia

Zambou• Strongful• City Credit• Primo Credit• Minutoes• Zatu Loans• Unique Money Lenders• Porcupine• Incotec• You — Be Next•

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Integrated Modules

0

Automated Workflows

0

Uptime Guarantee

0

AI Assistant Access

Trust & Compliance

Security & Compliance
First

Your data is protected by enterprise-grade security and built to meet Bank of Zambia regulatory requirements.

Data Protection Compliant

Built to meet data protection requirements for financial institutions in Zambia.

Data Encryption

End-to-end encryption for all data in transit and at rest.

Audit Trails

Comprehensive audit logs for every transaction and user action.

Role-Based Access

Granular permissions and multi-portal access control.

Simple Pricing

One Plan.
Everything Included.

No hidden fees. No per-branch charges. No per-user licenses. One transparent monthly fee that scales with your institution — not your costs.

Standard

K 3,500 /month

Everything you need to run your lending operation — no limits on the essentials.

Up to 100,000 active loans
Unlimited branches
Unlimited clients
Unlimited users
Unlimited accounting entries
AI Credit Scoring
Ally AI Assistant
PMEC & GRZ payroll integration
Collateral management
Custom loan products & service fees
Accounting & financial statements
HR & payroll
SMS & email notifications
Executive dashboards & reports
Custom roles & Process Manager
Bank of Zambia compliance
ALIS Forever — request new features for free

Get Started

Custom

Enterprise

Call Sales

For institutions with 100,000+ active loans or specialized requirements — let's talk.

Everything in Standard
100,000+ active loans
Dedicated infrastructure
On-premise deployment option
Custom integrations
Priority support & SLA
Dedicated account manager
Custom AI model training
Volume pricing
ALIS Forever — request new features for free

Call Sales

All prices in Zambian Kwacha (ZMW). VAT exclusive. Cancel anytime.

Optional Services & Support

Advanced Training

K 7,500

Hands-on training sessions for your team — loan officers, collection staff, accountants, and admins. Covers advanced workflows, reporting, and best practices tailored to your institution.

Data Migration & Customization

K 7,500

Large-scale data migration from your existing system, plus custom configurations — custom reports, workflow modifications, and integrations tailored to your institution's needs.

Ongoing Support

Free

Unlimited support via phone calls, online chat, WhatsApp, and email. Our team is available to help with any questions, issues, or guidance — no extra charge, ever.

Get Started

Get ALIS Running
in 3 Simple Steps

No lengthy implementation. No consultants. No months of setup. Sign up, configure your products, and start lending — in minutes, not days.

1

Sign Up

Create your institution account. Add your branches, set up your organizational structure, and invite your team. Takes about 5 minutes.

~5 minutes

2

Configure Your Products

Set up your loan products — interest rates, terms, fees, and service charges. Define custom user roles and build your approval workflows with the Process Manager.

~10 minutes

3

Start Lending

Onboard your first clients, run KYC, generate AI credit scores, disburse loans, and watch your portfolio come alive on the Cockpit. You're live.

~15 minutes

Start for K3,500/month

Have questions? Check the FAQ or call us at 097 337 9050

Questions Lenders Ask

Frequently Asked
Questions

The questions we hear most often from lenders considering ALIS. Don't see yours? Call us — we're happy to talk.

How long does it take to set up ALIS?

Most institutions are live within 30 minutes. The setup wizard guides you through account creation, team invitation, and product configuration step by step. No consultants required — the platform is designed for self-setup. You can be onboarding clients and disbursing loans the same day.

Can I import my existing loan book?

Yes. ALIS supports bulk import of existing loans via CSV upload. You can import loan details, client information, outstanding balances, and repayment schedules. Our team will assist you with the import process to ensure data integrity.

Is my data secure?

Absolutely. All data is encrypted in transit (TLS 1.3) and at rest (AES-256). Access is controlled by granular role-based permissions. Every action is logged in a comprehensive audit trail. The platform is built to meet Bank of Zambia data security requirements for financial institutions.

Do I need to install anything on my computers?

No. ALIS is a cloud-based platform — you access it through your web browser. No software to install, no servers to maintain, no IT team required. Your team can access ALIS from any device with an internet connection, anywhere in Zambia.

What if I need help or training?

Support is completely free — call us, chat online, message us on WhatsApp, or email anytime. No limits, no extra charges. For teams that want deeper training, we offer advanced training sessions at K7,500 — hands-on workshops covering advanced workflows, reporting, and best practices tailored to your institution. The platform also includes built-in guided tours for every module, so your staff can learn as they work.

Can I customize loan products and fees?

Completely. Each loan product gets its own interest rate, term range, amount limits, and fee structure. You can define origination fees, insurance fees, processing fees, late payment penalties, early settlement charges, and more — all without writing code. Key Fact Statements are auto-generated from your product configuration.

Does ALIS handle PMEC and GRZ salary deductions?

Yes. ALIS has full PMEC integration. You can generate PMEC-compliant repayment templates, manage employer MOUs, track payroll deductions across GRZ ministries and private companies, and reconcile bulk repayments automatically. This is one of our most-used features by Zambian lenders.

What happens if I cancel?

You can cancel anytime — no long-term contracts, no cancellation fees. If you cancel, you can export all your data (loans, clients, transactions, reports) to CSV/Excel before your subscription ends. Your data is retained for 90 days after cancellation in case you change your mind.

Command Your EntireLending Operation FromOne Cockpit

Running a Lending Businessin Zambia is Hard