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SACCO/Welfare Loan Management
Disbursement TAT cut 3 days → same day
Metric
Disbursement TAT cut 3 days → same day
Stack
Next.js, NestJS, Postgres, Queues
Problem
- Member files in cabinets; slow approvals
- Manual schedules → errors
DYOS Approach
- Digitized member/guarantor records from Excel
- Kept existing approval sequence/limits
Solution
- Member portal + guarantor e-approvals
- Auto amortization + delinquency flags
Results
- Same-day disbursements
- Cleaner reporting; fewer reversals