Client Ledger

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.

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:

Getting Started - Ledger Table Navigation

You'll discover plenty of shortcuts and navigation links designed to streamline your workflow. Once you start using them, they’ll quickly become second nature—so let’s dive into the basics!

Click on either the "Loan" or "Transaction" option in the table row. These act as toggle switches, allowing you to move between views of Loans or Transactions effortlessly.

Based on your selection, a detailed table will appear below:

• Loan Tab: Displays a breakdown of the client’s individual loans.

• Transaction Tab: Shows a history of the client’s transactions.

Selectable Cells (Loans Table)

Loan Number

Clicking the Loan Number column takes you directly to the Loan Menu for that specific loan, where you can view detailed information and manage various aspects of the loan.

Related content - The Loan Menu is useful tool for querying loan data. Select the link below for more information on the loan menu.

Repayment Method (ACOL/SEFT):

Selecting this column navigates you to the ALLPS Promissory Screen, allowing you to view and adjust the repayment parameters in the promissory mandate)for the chosen loan.

Promissory Management: Learn more about managing promissory details through the ALLPS Promissory Screen.

Loan Ledger Navigation - Other Columns:

Selecting most other columns opens the Loan Ledger whereby you can perform common actions like creating new transactions, editing loan statuses, and more.

Selectable Cells (Transaction Table)

Upon selecting a transaction from the transaction table , a list of relevant options you can perform on that specific transaction will appear.

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.

Move 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

1. 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.

2. 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.

Step 1: Access the New Transaction Option

• Navigate to the Loan Ledger.

• Select the "New Transaction" option.

Step 2: 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 3: 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.

Creating an Allps POS transaction

When creating a manual transaction (as outlined above), ensure that you select POS as the method for the instalment receipt or refund.

• If you’re using a USB terminal, enable the Allps POS option.

• If not, the system will default to the branch’s designated mobile workstation.

Missing the POS Option?

If the POS option is not available in the transaction screen, it may need to be added to your role permissions.

To enable this: Navigate to Role Setup and configure it as an Advanced Ledger Transaction - select the link below for related instructions and documentation.

Role Setup | Mobiloan User Guide

How to Process an Early Settlement

When processing a full repayment on a loan before the final term balance is due—commonly referred to as an early settlement—you can use the Settlement Journal feature to correctly handle the transaction.

1. Enable the Settlement Journal On the New Loan Transaction screen, toggle the "Settlement Journal" option at the bottom.

1. Discount the Amount Due Enabling this toggle will calculate and apply a discount, ensuring the client is charged only the current balance due as of today, rather than the full remaining term amount.

2. Submit the Transaction Once submitted:

   • The system will process the receipt for the current outstanding balance.

   • It will automatically create a journal refund for the difference between the total balance and the current balance.

   • Small rounding adjustments (e.g., minimum cash journals for amounts close to 1 cent) may also be applied.

   

Refund Methods

When processing a manual refund, it is important to select the correct Transaction Category to ensure all relevant refund methods become available.

1. Create a Manual Refund Transaction (as documented above)

2. Under Transaction Category, select "Instalment Refund"

3. The available refund methods (e.g. EFT, eWallet) will now appear in the Refund Method dropdown.

4. Select the appropriate refund method based on your requirements.

Refund Method Options:

EFT Refund Types:

Refund Methods Missing ?

If certain refund methods are not appearing in the dropdown:

1. Go to Setup > Transactions > Instalment Refund

2. Verify that:

   • The correct refund methods are enabled

   • The necessary authorizations are assigned

This ensures that all available refund options—such as EFT, Wallet, POS, etc.—are visible and selectable when creating an instalment refund.

To enable role access to EFT or eWallet refund options:

• Go to: Setup > Roles > Transactions Tab

• Ensure that the depicted refund transaction rights are enabled for the relevant user role.