Microfinance software for Philippine MFIs and field-based lenders
Lenduh is built for microfinance teams that live in the field, where signal is unreliable and every collection must be accounted for. Your field officers capture payments offline and they sync automatically, while borrowers get low-friction ways to pay that record themselves. Back at the office, managers watch collections, arrears, and remittances roll up as they happen.
What we hear from teams like yours
- Field officers work in areas with poor or no signal, so a tool that needs to be online all day simply does not fit the route.
- High volumes of small daily and weekly payments are hard to track accurately by hand across many borrowers and field officers.
- Cash collected in the field is difficult to reconcile, and shortages or overages surface only days later.
- Preparing accurate portfolio and arrears reporting eats into time that should go to clients and field work.
How Lenduh helps
Offline-first collections
Field officers use Lenduh Field, an installable PWA that works with no signal — QR borrower lookup, GPS-stamped collections, and field-visit logging, all stored on the device.
Payment outbox sync
Payments captured offline queue in an outbox and post automatically the moment the device reconnects, so nothing is lost on the route.
High-volume payment posting
Frequent small repayments post quickly, with penalty, interest, and principal allocated automatically and arrears aging kept current.
Low-friction borrower payments
Borrowers pay by QRPh — or card and e-wallet via PayMongo — through a login-less per-loan link that auto-records the payment by webhook.
Credit investigation before release
Verify a new applicant on site before releasing: residence, employment and capacity, filed with photos from the field. Set it to warn or to block, so a loan under a product that requires a report cannot go out on an unchecked applicant. Growth and above.
Remittance and cash control
Reconcile collector remittances with overage and shortage handling, backed by a cashier shift and cash drawer with denomination counting.
Collector accountability
Commission tiers and payslips, plus device revocation, keep field staff motivated and accountable.
Verifiable receipts
Issue QR-verifiable official receipts with a public verification page, delivered by SMS, Viber, email, or web push to borrowers.
Portfolio and arrears reporting
Portfolio-at-risk and arrears views plus exportable reports give clean numbers for funders and examiners without rebuilding spreadsheets.
Restructuring and limits
Restructure loans when clients need relief and set borrower credit limits that can auto-freeze or reduce as repayment behavior changes.
Questions microfinance (mfis) ask
Does Lenduh Field work without signal?
Yes. Lenduh Field is an offline-first app (PWA): field officers look up borrowers by QR, record GPS-stamped collections, and log visits with no signal. Payments queue in an outbox and sync automatically once the device reconnects, so nothing is lost on the route.
Can it handle high volumes of small daily payments?
Yes. Frequent small repayments post quickly, with penalty, interest, and principal allocated automatically and arrears aging kept current across many borrowers and field officers.
How do we reconcile field cash?
Lenduh reconciles collector remittances with overage and shortage handling, backed by a cashier shift and cash drawer with denomination counting — plus commission tiers, payslips, and device revocation for accountability.
Can members get verifiable receipts?
Yes. Lenduh issues QR-verifiable Official Receipts with a public verification page, delivered by SMS, Viber, email, or web push, so borrowers can always confirm a receipt is genuine.
Pricing & next steps
Plans scale with your size, and every price is published on our pricing page — so you can work out your cost yourself. Not sure which plan fits? Tell us about your microfinance (mfis) and we'll recommend the right one.
Pricing
Field teams start at ₱1,990 a month
For an MFI the binding number is usually field officers, not members. Starter covers ten field officers and 500 borrowers; Growth at ₱7,900 lifts that to thirty and adds collateral, restructuring and credit limits. Lenduh Field, with GPS-stamped collections, is included on every plan, the free one included — it is the part that replaces the paper field sheet, so it is not sold as an extra. If your MFI is CDA-registered, add the ₱1,200 Regulatory Reporting module for the statutory pack and the books it is computed from.