LOAN PERFORMER has it's roots at the "Uganda Women's Finance Trust" where it was initially developed as the "Trust Information System". This Program started as a Dos based client data entry program towards the end of 1995. Later on the client module was re-written for Windows95 and bit by bit new modules were added. Kampala Branch now has 15,000 clients and has registered over 150,000 savings transactions and 6,000 loans in their database. Data retrieval is still very fast thanks to the Visual Foxpro database engine.

Development at UWFT took about 3 years, from 1995 to 1998. The product had so much potential that CRYSTAL CLEAR SOFTWARE LTD. took over the future support and development. The name was changed into "LOAN PERFORMER " and a lot of modifications were made to make it attractive for other Micro-Finance Institutions. As of today, development continues and more and more organisations want their requirements incorporated into the program.

Towards the end of July 1998, LOAN PERFORMER became available as a commercial product. The first commercial release was version 4.0. As the product was developed with a single organisation in mind, version 4.0 was not very suitable for other organisations.

Version 5.0 has been released in September 1999. It has many additional features for the shares, savings, loans and accounting modules.

In April 2000 Chuck Waterfield, an independent consultant, reviewed LOAN PERFORMER. His main conclusion was:

"I can honestly say I found this one of the nicer programs I have reviewed. It has a nice user interface, good help system, and thorough reporting structure. It is reasonably stable. And although I didn't try a large database, the FoxPro engine should provide decent performance for small and medium-scale MFIs. It covers a pretty significant portion of the core features needed in an MIS: integrated accounting package, individual and group lending; a basic savings account, and blocked savings."

In the same month Andrew Mainhart - and later Joseph Kotun - tested LOAN PERFORMER for CGAP, the Consultative Group to Assist the Poorest, as one of the 10 major off-the-shelve software packages for MFI's. He found LOAN PERFORMER a very user friendly program and it has the best help system he has ever seen. Their report is available to the public and can be downloaded from the CGAP website or by pressing here.

Version 6.0 was launched in October 2002. This version is a multi-language version where one user can be logged in using a French interface, another using an English, a third person a Spanish and a fourth person a Russian interface, all using the same database. Also the reports and the help systems are in different languages. In addition to this, version 6 can handle many more savings products and each product can be parameterized differently. Also the accounting has been improved and organizations are no longer limited to the American chart of accounts.

Version 7.0 dates of October 2004. This is the first version that runs on both Foxpro and SQL Server databases, it also has Cash-Flow Statements and loans can be linked to a foreign currency.

Loan Performer's usage has steadily grown over the past 9 years. Currently Crystal Clear Software Ltd. implements on average 4 new installations of Loan Performer per month. That is a big increase as we started with 4 installations in the whole of the first year. Geographically the spread is about 72% in Africa, 18% in Eastern Europe and Asia, 10% in the Caribbean and Latin America. CRYSTAL CLEAR SOFTWARE LTD is committed to this product and intends to make it the best micro-finance software available without compromising on the price.
 
 

STATISTICS LOAN PERFORMER USAGE

 

The Figures in Detail

1) Includes UWFT.
2) Reasons being:
- weak management,
- because automation is not adequately supported in the organisation,
- because branches/organisations are closed or programs have changed,
- because of LPF does not match administration (only for older versions of LPF),
- because organizations go for higher end banking software,
- annual fees too high for some smaller organisations.

Our oldest client is Oxfam GB-Finance for Development, Azerbaijan, Baku, Azerbaijan. Oxfam GB started working with Loan Performer in February 2000, so they are using our software for 8 years now. They changed their name to Findev (Finance for Development) and last year they received the financial transparency award from CGAP (see http://www.microfinancegateway.org/content/article/detail/38851) together with another user of Loan Performer, VMCA (NHE-Viator), also in Azerbaijan. 

What kind of licenses are our clients using? 

 
 

CURRENT USERS OF LOAN PERFORMER ARE:

 

Active Clients by Region	No of Clients	As %
East-Africa (incl. Ethiopia & Eritrea)	70	34 %
Anglophone West-Africa	34	17 %
Francophone Africa	30	15 %
Caribbean	15	7 %
Caucasus, Central Asia, Russia	12	6 %
East-Asia and Pacific	9	5 %
Arab Peninsula	7	4 %
Southern Africa (incl. Angola & Mozambique)	13	6 %
Europe and USA	4	2 %
Latin America	5	2 %
Indian Sub-Continent	5	2 %
Total	204	100 %

 

	Active Clients by Country	No of Clients
1	Uganda	35
2	Nigeria	22
3	Kenya	16
4	Tanzania	16
5	Haiti	11
6	Dem. Rep. Congo	10
7	Papua New Guinea	7
8	Iraq	6
9	Tajikistan	6
10	Ghana	5
11	Senegal	5
12	Caribbean	4
13	India	4
14	Madagascar	4
15	Sierra Leone	4
16	Azerbaijan	3
17	Cameroun	3
18	South Africa	3
19	Zambia	3
20	Benin	2
21	Burundi	2
22	Ethiopia	2
23	Kosovo	2
24	Liberia	2
25	Mozambique	2
26	Afghanistan	1
27	Angola	1
28	Bolivia	1
29	Botswana	1
30	Burkina Faso	1
31	Costa Rica	1
32	Ecuador	1
33	Eritrea	1
34	Gambia	1
35	Georgia	1
36	Indonesia	1
37	Kazakstan	1
38	Macedonia	1
39	Malawi	1
40	Mauretania	1
41	Mexico	1
42	Palestine	1
43	Peru	1
44	Rwanda	1
45	Sri Lanka	1
46	Swaziland	1
47	Tchad	1
48	Thailand	1
49	Turkey	1
50	Zimbabwe	1
	Total	204

 

	ACTIVE CLIENTS
1	Abia State University Community Bank Nig. Ltd, Uturu, Nigeria
2	ACLAM, Port au Prince , Haiti
3	ACME (Freedom from Hunger), Port au Prince, Haiti
4	ADRA, Accra, Ghana
5	African Evangelistic Enterprise, Busheny , Uganda
6	Al Aman, Kirkuk , Iraq
7	Al Bashair, Baghdad , Iraq
8	Al Halaal, Kigali, Rwanda
9	Al Inma, Fallujah , Iraq
10	Al Intilaq, Tikrit, Iraq
11	Aloga Financial Services, The Tramshed, South Africa
12	Al-Takadum Al Quaim, Al-Qaim, al-Anbar, Iraq
13	Annapurna Mahila Mandal, Pune, India
14	ARC- Finance Salone, Freetown, Sierra Leone
15	ARC-Liberty Finance, Monrovia, Liberia
16	Ardesc Trust, Nakuru , Kenya
17	Association for Rural Development, Freetown, Sierra Leone
18	Argungu Microfinance Bank, Argungu, Nigeria
19	Arochukwu, Microfinance Bank, Arochukwu, Nigeria
20	Bagezza Sacco, Mubende, Uganda
21	Balera Microfinance Bank, Lere, Nigeria
22	Bancs, Kampala, Uganda
23	Banque Populaire Haitienne, Port-au-Prince, Haiti
24	Beige Capital, Accra, Ghana
25	Beit el Mal, Sebkha, Mauretania
26	Beselidhja/Zavet Micro Finance (World Relief), Pristina, Kosovo
27	Bungudu Microfinance Bank, Bungudu, Nigeria
28	Busimbi CDTF, Mityana, Uganda
29	Buusaa Gonofaa Microfinancing Share Company, Addis, Ethiopia
30	Cafecc, Arua , Uganda
31	Caribbean Microfinance Ltd., Saint Lucia
32	Christian Children Fund, Dakar, Senegal
33	CDA Finance & Investment Services, Buka, Bougainville, Papua New Guinea
34	Ceda, Bo, Sierra Leone
35	Cedep Microfinance Bank, Bauchi, Nigeria
36	Central Bank of Barbedos, St. Michael, Barbedos
37	Century Microfinance Bank, Ikeja, Lagos State , Nigeria
38	Chat Microfinance Bank, Chat, Nigeria
39	Chess, Kenya
40	Chibueze Community Bank, Aba, Nigeria
41	Child Fund, Afghanistan
42	Chimanifin, Chimanimani , Zimbabwe
43	Christian Monthers, Ghana
44	Christian Rural Aid Network, Cape Coast, Ghana
45	CIDI, Rakai/Soroti, Uganda
46	CISS, Community Initiative Support Services, Kisumu, Kenya
47	CLF-MFI, Colombo, Sri Lanka
48	Collectif Developpement, Cayes, Haiti
49	Commonwealth Microfinance Bank, Kafanchan, Nigeria
50	CooCredito Quitto, Ecuador
51	Coopec Kalundu, Ulvira, Democratic Republic of Congo
52	Coopec Nyawera, Bukavu, Democratic Republic of Congo
53	Credit Investment Fund, Yaounde , Cameroon
54	CRS, Horizonti, Macedonia
55	CRS, Foundation for the Support of Women's Work , Instanbul, Turkey
56	Development Workshop Angola, Luanda, Angola
57	Diocese of Kigezi, Kabala, Uganda
58	Diocese of Namirembe, Kampala, Uganda
59	Diocese of South Rwenzori, Kasese, Uganda
60	Ebony Microfinance, Nakuru,Kenya
61	Eclof, Nairobi, Kenya
62	Eclof, Blantyre, Malawi
63	Eclof, Dar, Tanzania
64	Enterprise Fedha Finance Company, Rivonia, South Africa
65	ELCT Mara Musoma, Tanzania
66	Emesco, Karuguuza, Uganda
67	Express Microfinance Bank, Aba, Nigeria
68	Espoir/Hope International, Kinshasa, DR Congo
69	Fahari Yetu Saccos, Arusha Tanzania
70	Fanampia Ivoarana, Antananarivo , Madagascar
71	Farmers’ Development Union, Ibadan, Nigeria
72	Feed the Children, Kampala , Uganda
73	FBT, Kenya
74	Finadev, N’Djamena, Tchad
75	Fivoy, Antsirabe, Madagascar
76	Fonds d’Espoire, Port-au-Prince, Haiti
77	Fonds de Pension Teleco, Port-au-Prince, Haiti
78	Fonkoze, Port-au-Prince, Haiti
79	Freedom Financial Services, Arusha, Tanzania
80	Frontpage, Kampala, Uganda
70	Gamstar Savings and Credit Company Ltd., Banjul, Gambia
71	Good Seed Enterprise (ex Rescue Fellowship of Nigeria)
72	Global Associates, Dar Es Salam, Tanzania
73	Graifsi, Port-au-Prince, Haiti
74	Gret/Mahavotse, Ambovombe, Androy, Madagascar
75	Groupe Technologie Intermediaire d'Haiti, Port-au-Prince, Haiti
76	Gusau Microfinance Bank, Gusau, Nigeria
77	Gworok Microfinance Bank, Kagoro, Nigeria
78	Habitat, Port-au-Prince, Haiti
79	Habitat por la Humanidad, San Jose, Costa Rica
80	Haqiq, Dushanbe, Tajikistan
81	Harmos, Lusaka, Zambia
82	Hekima, Bukavu, DR Congo
83	Hope, Valencia, Trinidad and Tobago
84	Hope International, Kinshasa, DR Congo
85	Hunger Project, Kampala, Uganda
86	Imbita, Manzini, Swaziland
87	IMF Via Nova, DR Congo
88	Impact Advisory Services, Kampala , Uganda
89	Initiative Développement, Cotonou, Benin
90	Initiative Développement, Accra, Ghana
91	Initiative Développement, Port-au-Prince, Haiti
92	Jovid, Sugd region Chkalov, Tajikistan
93	K'Allarisunchis, Cuzco, Peru
94	Kacita, Kampala , Uganda
95	Kapital Access, Kampala, Uganda
96	Karatu Development Association, Karatu, Tanzania
97	Kazoza Vision. Bujumbura, Burundi
98	Kidevo Sacco, Kihihi, Uganda
99	Kihi Sacco, Kihihi, Uganda
100	K-Rep/Fehda, Nairobi, Kenya
101	Kasacco, Hoima, Uganda
102	KSCS, Kampala, Uganda
103	LEAP, Monrovia, Liberia
104	Leonard Chesire Ltd., Dodoma, Tanzania
105	LHS, Mungkid-Blondo-Magelang, Indonesia
106	Link Financial Services, Kampala, Uganda
107	Makonya, Gulu , Uganda
108	Malanga Micro Credit, Maputo, Mozambique
109	Manus Savings & Loans Society, Lorengau, Manus, Papua New Guinea
110	Manyakabi Sacco, Mbarara, Uganda
111	Maxi Credito, Mexico City, Mexico
112	Meanwood Finance Corporation, Lusaka, Zambia
113	MEC KARAMBEN ASSEEK, Bignona , Senegal
114	Mecap, Dakar, Senegal
115	Mecapp, Louga, Senegal
116	Mecreco, Gombe, DR Congo
117	Mecuf-Fatick, Fatick, Senegal
118	Mehnatobod, Dushanbe, Tajikistan
119	Mengo Teachers Association, Kampala , Uganda
120	Micro-Credit Capital Bank, Port-au-Prince, Haiti
121	Microfinance Credit Enterprises, Dar, Tanzania
122	Microfinance Investment Company Ltd, Ikeja, Lagos Nigeria
123	Microstart, Ouagadougou, Burkina Faso
124	Mikrobank, Wau, Papua New Guinea
125	Mikrofin, Grenada and St. Lucia
126	Mikrofin, Georgetown, Guyana
127	Millenium Development Partners, Dushanbe, Tajikistan
128	Minonkpo, Cotonou, Benin
129	Moldir, Almaty, Kazakstan
130	Mtoni, Dar, Tanzania
131	Mubende Employees Sacco, Mubende, Uganda
132	Mukono & Kayunga Teachers SACCO, Mukono, Uganda
133	Mutuelle Bomoko, Kinshasa, DR Congo
134	Mutuelle Mucremba, Kinshasa, DR Congo
135	Mutuelle d'Epargne et de Crédit des Femmes Sages de Kinshasa, DR Congo
136	Mutuelle de crédit et d'épargne des Femmes de Kikwit, Kinshasa, DR Congo
137	MV Mini Financial Services, Papoua New Guinea
138	MZF Vakhsh, Tajikistan
139	Naddangira Agali Awamu Sacco, Kampala, Uganda
140	Nakhchivan Microfinance LLC, Baku, Azerbaijan
141	Namoda Microfinance Bank, Kaura Namoda, Nigeria
142	National Cooperative Housing Union, Nairobi, Kenya
143	Navnirman Community Resource Centre, Kolkata, India
144	National Development Foundation, Kingstown, St. Vincent & the Grenadines
145	Nineveh Business Center, Mosul , Iraq
146	Norwegian Humanitarian Enterprise-Viator, Ganja, Azerbaijan
150	Odder, Tolagnaro Madagascar
151	Oribcing Women Cooperatives Savings and Credit Society, Lira, Uganda
152	Oxfam GB-Finance for Development (Findev), Baku, Azerbaijan
153	Pamoja Women, Kenya
154	People Microfinance, Kamuriai, Kenya
155	PMED, Peace Micro Enterprise Development, Bangkok, Thailand
156	PNG Cocoa Growers & Producers Savings & Loans Society Ltd, Rabaul, East New Britain Province, Papua New Guinea
157	Project Caref, Cameroun
158	Pulse (Care), Lusaka, Zambia
159	Rahama Women Multi-purpose Cooperative Society, Bauchi, Nigeria
160	REEF Finance, Ramallah, Palestine
161	Saminaka Microfinance Bank, Saminaka, Nigeria
162	Sanga, Microfinance Bank, Gwantu, Nigeria
163	Sepik Savings & Loans Society, Papoua New Guinea
164	Sero Business Women Association, Dar es Salaam, Tanzania
165	Sero Lease and Finance Ltd, Dar es Salaam, Tanzania
166	Sido, Dar-es- Salam, Tanzania
167	Small Enterprise Foundation, Dar es Salaam, Tanzania
168	SMCP, Asmara, Eritrea
169	Support For Development (ex-IRC), Poti, Georgia
170	Solar Energy Uganda, Kampala, Uganda
171	Swabhimaan, Annapurna Parivar Vikas Sanvardhan, India
172	Swabhimaan, Parvati Swayamrojgar, Pune, India
173	SwissAid, Dar es Salaam, Tanzania
174	Talanta, Gulu, Uganda
175	Tanzania Women Entrepreneurship, Zanzibar, Tanzania
176	The First Micro Finance Agency (Agha Khan), Maputo, Mozambique
177	The First Micro Finance Agency (Agha Khan), Nairobi, Kenya
178	The First Micro Finance Agency (Agha Khan), Zanzibar, Tanzania
179	Town Serve Microfinance Bank, Nigeria
180	Turame Community Bank, Bujumbura , Burundi
181	UAWMPE Credit Scheme, Kabale, Uganda
182	Ubutyebi Trust, Port Elizabeth, South Africa
183	Urban Ministry, Plateau, Nigeria
184	US Embassy Sacco, Kampala, Uganda
185	VAD Microfinance, Kampala, Uganda
186	Victoria Basin, Kyotera, Uganda
187	Wakarimu, Savings and Credit Cooperative Society, Nakuru, Kenya
188	Wasasa Microfinance Share Company, Addis, Ethiopia
189	Wau Microbank, Wau, Papua New Guinea
190	Wedac, Monduli, Tanzania
191	WEEC, Nairobi, Kenya
192	Winheedcam, Bamenda, Cameroun
193	Women’s Finance House, Gabarone, Botswana
194	World Concern, Nairobi, Kenya
195	World Concern, Santa Cruz, Bolivia
196	World Hope International, Sierra Leone
197	World Relief, Port-au-Prince, Haiti
198	World Vision Kosovo / KosInvest, Pristina, Kosovo
200	Yehu Microfinance, Mombasa, Kenya
201	Yendezana, YDA, Rukungiri , Uganda
202	YWCA, Nairobi, Kenya
203	ZAR, Dushanbe, Tajikistan
204	Zurmi Microfinance Bank, Zurmi, Nigeria