Client Ledger
Transaction Menu
Welcome to the Client Ledger Screen!
The Client Ledger Screen provides a comprehensive overview of your clients' financial standing by directly comparing their total loans and loan repayments.
Here, you can access both manually created and automatically received transactions in a single view, with seamless integration into the transaction reconciliation section.
You can perform a variety of key actions, including creating new loan transactions such as receipts, refunds, and journals.
Additionally, you can manage unlinked transactions, contra-reconcile entries, and process early settlements.
The system also allows you to print client statements, generate third-party balance letters, and adjust promissory details. All of this functionality is accessible in one place, giving you easy access to both the loan and client menus for a seamless experience.
Basic Navigation
For more information on the basic navigational features - select the link below
Unlinked Transaction
For more information on the management of unlinked transactions - select the link below
Getting Started - Searching a Client
To access the Client Ledger, simply select the Client Ledger option within the Transaction Menu .
A Client Search window will appear, allowing you to load a client into the ledger.
Once you've entered the correct details, click the `
` button. Mobiloan will then check if the client already exists in your system
Once you select a client, Mobiloan automatically retrieves all their loan and related transactions and conveniently displays them in the Main Screen.
Getting Started - Client Ledger Options
Selecting the "Options" button presents the user with the following ledger options:
New transaction
Create a new loan transaction for the client.
This will navigate you to the Loan Ledger screen - where users can amongst other functionality - create New Loan Transactions.
Move transaction
Reallocate a transaction to a different category or account.
Client summary statement
Generate a summary statement of the client’s financial activities.
NCR Form 26 statement
Produce a regulatory NCR Form 26 statement related to the client's account.
External party balance letter
Generate a letter detailing the client’s balance for external parties.
SMS client
Send an SMS message to the client.
Call client
Initiate a phone call to the client.
Client menu
Access additional client-related options and settings.
Client Ledger Statements
📄 Client Summary Statement
This live document provides an up-to-date list of all loans, displaying their corresponding balances along with summarized column values for easy analysis.
Key Features:
Loan & Balance Overview – View all active loans along with their current outstanding balances.
Summarized Column Values – Get a quick snapshot of important financial figures in a structured format.
Total Balance Calculation – A consolidated total balance is displayed for reference.
Clickable Loan & Insurance Contracts – Direct links to the actual loan and insurance contracts allow for quick access to detailed documents.
📄 NCR Form 26
This statutory/legal statement serves as an official record, providing a structured overview of loan installments and their corresponding financial details over a specified period.
Key Details Included:
Loan Installment Breakdown – A detailed list of all loan installments.
Opening & Closing Balances – The outstanding balance at the start and end of the reporting period.
Age Analysis – Categorization of outstanding amounts into:
Current Balance
30 Days Overdue
60 Days Overdue
90+ Days Overdue
Installment Component Breakdown – A detailed view of each installment, including:
Receipted Amounts – Payments received per installment.
Date Paid – The actual date of payment.
Summed Account Balance – The total balance reflecting all recorded payments.
This statement ensures compliance with statutory regulations while providing clear financial transparency for both lenders and borrowers.
📄External Party Balance Letter
This simple, customizable balance sheet provides a clear financial snapshot, displaying the basic balance of all loans with the option to include additional details as needed.
Key Features:
Basic Loan Balances – A concise view of all outstanding loan amounts.
Optional Details:
Loan Balance Summary – A high-level overview of loan balances.
Detailed Loan History – A breakdown of individual loan transactions.
Bank Details – Relevant banking information for financial tracking.
These details are displayed in the Share Statement Dialog, which pops up when accessing the balance sheet, allowing for easy customization and sharing.
Linked and Unlinked Transactions
An unlinked transaction is a transaction that is not currently associated with a specific loan. This means it doesn't affect the client's loan balance until you link it.
For more information on Unlinked Transactions - select the FAQ link below ->
Moving Transactions Feature
The Moving Transactions feature allows users to reassign transactions within the Client Ledger, either by linking them to a different loan or setting them as unlinked. This is especially useful for correcting balances, particularly for unlinked receipts that are automatically received from Amplifin.
How to Move Transactions
Navigate to the Loan Transactions Section
Open the Client Ledger.
Click on the Transactions column at the top.
Locate and select the transaction you want to move.
Choose a Transaction Action
Move to Another Loan
A Move Transactions Table will appear.
Modify the Tx. Move To column to select the new loan.
The transaction will be reassigned accordingly.
Unlink from Loan
The transaction will immediately be placed as unlinked and will no longer be associated with any loan.
Move to Another Client
Mobiloan will prompt you to enter a Client Number.
The transaction will be reassigned to the new client but marked as unlinked until further action is taken.
Creating a New Manual Transaction
How to Create a Manual Receipt or Refund
Creating a manual receipt or refund in Mobiloan is a straightforward process that allows you to accurately record transactions within the Client Ledger or Loan Ledger.
Step 1: Access the New Transaction Option
Navigate to the Client Ledger.
Select the "New Transaction" option.
Step 2: Choose the Loan or Unlinked Transaction
Determine whether the transaction should be linked to a specific loan or recorded as an unlinked transaction.
Step 3: Select "New Transaction" in the Loan Ledger
If working from the Loan Ledger, click the New Transaction button to proceed.
Step 4: Enter Transaction Details
Fill out the required fields based on the transaction type:
Installment Receipt – Record a payment received for a loan installment.
Installment Refund – Process a refund for a previously received payment.
Legal Collection Fee – Document any legal fees associated with the loan.
Transaction Method – Specify the payment method (e.g., bank transfer, cash, card).
Amount Details – Enter the transaction amount and any applicable fees.
Step 5: Submit the Transaction
Review the details for accuracy.
Submit the transaction to finalize the entry.
This feature ensures proper tracking of manual payments, refunds, and fees, keeping financial records accurate and organized.
Early Settlement Discounts
Just toggle the "Settlement Journal" (as seen in the screenshot above) at the bottom of your screen. This will display the discounted settlement amount available today.
Note: This functionality might be dependent on your specific loan product and eligibility.
Enable the toggle to apply the settlement discount
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