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 collectors 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
- Collectors 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 collectors.
- 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
Collectors use 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 Xendit — through a login-less per-loan link that auto-records the payment by webhook.
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.