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Product Overview

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Octopus Microfinance Suite overview

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Product Overview

  1. 1. An Open Source platform for Micro Finance www.octopusnetwork.org
  2. 2. Agenda <ul><li>Product description </li></ul><ul><ul><li>Know Your Customer </li></ul></ul><ul><ul><li>Loan Tracking </li></ul></ul><ul><ul><li>Accounting </li></ul></ul><ul><ul><li>Reporting </li></ul></ul><ul><li>What differentiates Octopus: </li></ul><ul><ul><li>Open source model </li></ul></ul><ul><ul><li>Development process </li></ul></ul>
  3. 3. Octopus is an MIS for Microfinance Institutions Manage your information in a secured environment Available feature Work on progress
  4. 4. Welcome to Octopus <ul><li>Direct view of all crucial information </li></ul><ul><ul><li>Cash on hand balance, Alerts of pending contracts… </li></ul></ul><ul><li>Easy access to main actions </li></ul><ul><ul><li>Users & Groups, Credit Contracts, Collection Sheet… </li></ul></ul><ul><li>Search anywhere </li></ul><ul><ul><li>Alerts, Clients, Contracts </li></ul></ul>
  5. 5. Know Your Customer Module <ul><li>Extensive customer information for : </li></ul><ul><ul><li>Individuals </li></ul></ul><ul><ul><li>Solidary Groups </li></ul></ul><ul><ul><li>Non-solidary Groups </li></ul></ul><ul><ul><li>Corporate clients </li></ul></ul>
  6. 6. Loan Tracking <ul><li>Unlimited number of flexible products </li></ul><ul><li>Guided loan creation </li></ul><ul><li>Alerts (today’s repayments, late loans etc…) </li></ul><ul><li>Easy Disbursement and Reimbursements with authorization levels </li></ul><ul><li>Automated printout of contracts and receipts </li></ul>
  7. 7. Savings products <ul><li>Flexible products : </li></ul><ul><ul><li>Current account </li></ul></ul><ul><ul><li>Savings account </li></ul></ul><ul><li>Guided savings account creation </li></ul><ul><li>Automatic interests calculation: </li></ul><ul><ul><li>Daily/weekly/monthlty on actual/minimum balance </li></ul></ul><ul><ul><li>Enf of day/week/month/quarter/year posting </li></ul></ul>
  8. 8. Accounting <ul><li>Double entry accounting module IFRS-compliant </li></ul><ul><ul><li>Real time balances and forecasts </li></ul></ul><ul><li>Automated booking of transactions </li></ul><ul><ul><li>Guided end of periods closing with provisioning and loans write-off </li></ul></ul><ul><li>Flexible configuration </li></ul><ul><ul><li>Chart of account, accrual </li></ul></ul><ul><ul><li>/cash method for incomes, </li></ul></ul><ul><ul><li>multi-currency .. </li></ul></ul><ul><li>Automatic export to an external application </li></ul>
  9. 9. Reporting <ul><li>50 standard reports by default </li></ul><ul><ul><li>Active Loans </li></ul></ul><ul><ul><li>Client Analysis </li></ul></ul><ul><ul><li>Delinquent loans </li></ul></ul><ul><ul><li>Disbursements & reimbursements </li></ul></ul><ul><ul><li>Customers retention </li></ul></ul><ul><ul><li>OLB per loan </li></ul></ul><ul><ul><li>PAR analysis </li></ul></ul><ul><ul><li>Loan Officers’ performance </li></ul></ul><ul><ul><li>… </li></ul></ul><ul><li>Consolidation reports </li></ul><ul><li>Custom reports </li></ul><ul><li>Continuously posted by the Community and downloadable from the software </li></ul>
  10. 10. Consolidation <ul><li>Easy consolidation of all branches data </li></ul><ul><li>Monitor global activity </li></ul><ul><li>Historical trend analysis </li></ul>
  11. 11. Octopus ONline <ul><li>Octopus also exists as a Service </li></ul><ul><li>You can access your data from anywhere with a good internet connection </li></ul>Visit online.octopusnetwork.org
  12. 12. Multi… <ul><li>Multi user </li></ul><ul><ul><li>Users are connected to the same database using a local network </li></ul></ul><ul><li>Multi language </li></ul><ul><ul><li>Today : English, French, Russian, Tajik, Kyrgyz & Arab </li></ul></ul><ul><ul><li>Additional languages can be added </li></ul></ul><ul><li>Multi level </li></ul><ul><ul><li>Consolidation allows you to centralize data at different levels </li></ul></ul><ul><ul><li>Ex: Central, Regional, Local </li></ul></ul><ul><li>Multi currency </li></ul><ul><ul><li>You can manage a portfolio in an internal currency (e.g. USD) and deal with your customer in their local money </li></ul></ul>
  13. 13. Agenda <ul><li>Product description </li></ul><ul><ul><li>Know Your Customer </li></ul></ul><ul><ul><li>Loan Tracking </li></ul></ul><ul><ul><li>Accounting </li></ul></ul><ul><ul><li>Reporting </li></ul></ul><ul><li>What differentiates Octopus: </li></ul><ul><ul><li>Open source model </li></ul></ul><ul><ul><li>Development process </li></ul></ul>
  14. 14. MFIs are challenged with their MIS <ul><li>Many MFIs are using spreadsheet or manual systems: </li></ul><ul><ul><li>That is free </li></ul></ul><ul><ul><li>They can control the tool </li></ul></ul><ul><li>But it becomes quickly a clear limitation for growth: </li></ul><ul><ul><li>Errors </li></ul></ul><ul><ul><li>Difficult reporting </li></ul></ul><ul><ul><li>Frauds </li></ul></ul><ul><ul><li>Etc.. </li></ul></ul>Excel (2005) Flexible Secured & automated © Octopus Microfinance 2009 Excel (2006)
  15. 15. MFIs are challenged with their MIS <ul><li>The available software are often unsatisfactory: </li></ul><ul><li>Expensive : </li></ul><ul><ul><li>License </li></ul></ul><ul><ul><li>Technical assistance (often done remotely) </li></ul></ul><ul><li>Not agile/adaptable: </li></ul><ul><ul><li>When new features are needed, it takes a long time before it can eventually be integrated </li></ul></ul>$ Flexible Excel (2006) Secured & automated © Octopus Microfinance 2009 MIS (2007)
  16. 16. An Open source model to mitigate the challenges faced by MFIs.. Adaptability © Octopus Microfinance 2009 Costs
  17. 17. Why Open Source ? costs value Procurement -led : the user is a customer (1960-2000) t value costs Adoption -led : the user becomes a customer (2000+) t Test alone Deploy with an expert Innovate with another expert RFP, MIS in-a-box maintenance, new licenses
  18. 18. Open Source business model <ul><li>We provide Octopus for free </li></ul><ul><ul><li>Latest release and documentation available at www.octopusnetwork.org </li></ul></ul><ul><li>You pay for assistance and share development costs if you want </li></ul><ul><ul><li>You can choose your IT partner : internal staff, local resources in the Octopus community, or the Octopus Microfinance company based in Paris </li></ul></ul><ul><ul><li>Your business can continue even if one of the partner disappears </li></ul></ul><ul><li>You can access and change the source code </li></ul><ul><ul><li>Nothing is secret, you can fully trust the software </li></ul></ul>
  19. 19. Octopus Community in Jan. 2009 Paris Brussels Dakar Bishkek Dusbanbe Delhi Colombo Accra Choose your partner !
  20. 20. An Open source model to mitigate the challenges faced by MFIs.. Adaptability © Octopus Microfinance 2009 Costs
  21. 21. Flexibility vs. Security Versatility / Flexibility Security MS Excel Classical M IS $$$ Besoins pendant la période de structuration <ul><li>© OCTO Technology 2008 </li></ul>$$$
  22. 22. How Octopus compares to other MIS <ul><li>You change & improve, we change & improve </li></ul><ul><li>Most MIS are difficult to adapt to your evolving business, have high prices (software and services) and low usability (high training costs, weak productivity) </li></ul><ul><ul><li>Requiring workarounds or additional systems </li></ul></ul><ul><ul><li>Leaving customers in painful migrations when upgrading to a new version </li></ul></ul><ul><li>Octopus is released every month with new features and an automatic update mechanism </li></ul><ul><ul><li>Upgrade by yourself, without being an IT expert </li></ul></ul>
  23. 23. A product, but also a process Listen, there are two many customer duplicates in the system, Octopus should check if a customer already exists … Demand#233 : Check customer duplicate When a customer is entered, a dialog … Development Automatic Testing Easy Upgrade Need Assessment Demand
  24. 24. Benefits <ul><li>Freedom </li></ul><ul><ul><li>MFIs buy what they need, when they need it, and from whom they want </li></ul></ul><ul><li>Community </li></ul><ul><ul><li>It’s easy to step into the community and contribute : one translation, one paragraph in the documentation, one new feature, one piece of code, one end-user support … </li></ul></ul><ul><li>Continuous Improvement </li></ul><ul><ul><li>The software improves with its community </li></ul></ul><ul><ul><li>Octopus IT specialists are also skilled in “soft techniques” : focus on the value of IT (lean management) and change management </li></ul></ul>
  25. 25. Our goal <ul><li>Increase financial services affordability for the poorest </li></ul><ul><li>By creating autonomy among Octopus users </li></ul><ul><ul><li>Octopus is a software by the people, not only for the people </li></ul></ul><ul><ul><li>It can streamline innovation inside MFIs: reduce operation costs, allow to tap new markets, secure the activity … </li></ul></ul><ul><ul><li>.. via a world wide community of practitioners in Agile and Lean techniques </li></ul></ul><ul><li>More than Open Source product , we lead a continuous improvement process , engaging MFIs and IT specialists </li></ul>
  26. 26. WWW.OCTOPUSNETWORK.ORG © Octopus Microfinance 2009