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your loan portfolio?
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Ikayi connects Rwandan borrowers with every licensed lender in the country and gives those lenders a complete loan management system that auto-generates their monthly regulatory reports.
Whether you run an NDFI or need a loan, Ikayi connects the two sides of Rwanda's NDFI credit market.
Run your entire loan portfolio on one platform. Register clients, disburse loans, track repayments, generate regulatory reports all in one place, isolated from other institutions.
Post your loan case on the premium marketplace and let Rwanda's verified NDFIs compete to offer you their best rates. Choose the lender that fits you best.
Purpose-built for Rwanda's NDFI sector not adapted from a generic tool.
Every required regulatory field is built directly into the loan form. Branch, purpose, disbursement date, grace period, maturity all captured and tagged.
Regulatory fieldsMonitor your PAR in real time. Loans are automatically classified as performing, watch, sub-standard, doubtful, or loss based on days overdue with regulatory provisioning rates applied.
Loan classificationChoose declining balance or flat rate. Ikayi calculates the monthly installment, total interest, and generates a full repayment schedule instantly, on loan creation.
Declining & flat rateRecord payments by cash, mobile money, bank transfer, or cheque. Outstanding balance and repayment schedule update automatically with every payment recorded.
Multi-methodFull borrower profiles with NID, employment, Rwanda 5-level address (province → village), income data, next of kin, and historical loan performance.
Required borrower fieldsEach institution is fully isolated their clients, loans, and staff are never visible to other tenants. One platform, many NDFIs, complete data separation.
Isolated tenantsThree NDFI staff roles Owner / Admin, Loan Officer, and Viewer / Accountant each with precisely defined permissions. No more shared passwords or over-privileged accounts.
Role-based accessRecord land, vehicles, equipment, savings deposits, and personal guarantors against each loan. Track registry numbers and estimated vs. eligible values.
Multi-type collateralBorrowers post detailed loan requests. Verified NDFIs review and submit competing bids. The borrower chooses their lender. A new channel for loan origination.
Borrower-NDFI matchingYour NDFI gets its own isolated workspace. Add your license number, district, and institution details. Invite your team with role-based access.
Register borrowers with all required fields NID, employment, income, Rwanda address, next of kin, and credit history. Each gets a unique client number.
Create loans with a 4-step wizard. EMI is calculated instantly. Repayment schedules generate automatically. Record payments and watch the portfolio update in real time.
Every field is already tagged to its regulatory column reference. Loan classifications update based on days overdue. Download your PAR report whenever the regulator requires it.
Sign in to your institution's dashboard or request a demo to see Ikayi in action.