Commission Setup
Keywords : Commission Rules; Agent Types; Loan Product Eligibility; Earning Rate Calculation; Commission Events
The Commission Setup module allows for the configuration of commission rules. These rules then determine the means in which agents earn a commission based on the loans that they are linked to.
To begin, either select an existing commission rule from the table or click the "+" icon to create a new rule.
Defining Commission Rule Limits
In this step of the configuration workflow, users must define the following settings :
Commission Rule Name – A unique identifier for this rule.
Agent Type – Specify whether the rule applies to Permanent, Casual, or Independent Agents.
Allow commission when borrower is an agent - This enables/prevents commission allocation even if the borrower is also registered as an agent.
Allow commission when borrower is a device user - This enables/prevents commission allocation if the borrower is flagged as a device user.
Authorized Branches – Select which branches can apply this commission rule.
Eligible Loan Categories & Products – Define which loan products (e.g., Personal Loans, Business Loans) are eligible for this rule.
Understanding and Using the Commission Rule Table
Moving on to the "Rates" tab, the Commission Rule Table is where you define when, how, and how much commission is paid. Each row represents a single commission condition, and all columns work together to determine the final commission calculation.
Adding a New Rule Condition
Open the dropdown menu in the rule table.
Click Insert New Row to add a new condition.
Complete all relevant columns for that row to define how the commission should be calculated.
Commission Rule Table – Column Reference Guide
Below is a tabulated reference guide of How to Read and Configure Each Column, to make it easier to understand what each column controls, how to configure it, and how it affects commission calculations.
This table can be used as a quick reference when creating or reviewing commission rules
Commission Due At
Defines when the commission is triggered in the loan lifecycle.
Select the relevant event from the dropdown.
Loan Payout → Commission is earned when the loan is disbursed.
Loan Receipt → Commission is earned when repayments are collected.
Applicable Loan Type
Specifies which loan category the rule applies to.
Choose the loan type from the dropdown list.
First loan, Repeat loan, Top‑up loan, Dormant loan.
Commission Requirement
Indicates whether the commission component is mandatory or conditional.
Select Required or Optional.
Required → Commission only applies if this component is present. Optional → Commission applies only when the component exists in the loan.
Loan Base Calculation Component
Determines which loan component is used as the base for percentage or fixed calculations.
Select the loan component from the dropdown.
Loan Capital, Credit Life, Voluntary Insurance, Total Repayment.
Component Minimum Amount (inc)
Sets the minimum qualifying value for the selected component.
Enter the minimum amount (inclusive).
R100 → If the component value is less than R100, the rule does not apply.
Component Maximum Amount (exc)
Sets the maximum qualifying value for the component.
Enter the maximum amount (exclusive).
R7,000 → Any amount above R7,000 is excluded from this rule.
Agent Fixed Commission
Defines a fixed amount paid to the agent when the rule conditions are met.
Enter a monetary value or leave blank if not applicable.
Example: R100 → Agent earns R100 per qualifying loan payout or receipt.
Agent Percent of Base Component Commission
Defines a percentage-based commission for the agent.
Enter a percentage value.
Example: 3% of Loan Capital. Calculated using the value defined in the Loan Base Calculation Component column.
Broker Fixed Commission
Defines a fixed commission amount payable to the broker.
Enter a monetary value or R0 if not applicable.
Example: R50 per qualifying transaction.
Broker Percent of Base Component Commission
Defines a percentage-based commission payable to the broker.
Enter a percentage value.
Example: 2% of Total Repayment. Uses the same base component as the agent percentage.
TIPS
Commission can be set as:
A fixed amount per loan disbursement or repayment
A percentage of the loan amount disbursed or repaid
Different commission rules can be created for:
First-time loans
Repeat loans
Top-up loans
Dormant loans
Use minimum and maximum component values to tightly control when a rule applies.
Multiple rows can be combined to create layered commission structures for the same loan.
Tool bar options ( located bottom right of the commissions table)
At the bottom of the Rule Conditions Table, users will find additional actions:
Test – Validate commission rule settings before applying them.
Print – Generate a printable version of the commission rules.
Help – Access guidance on setting conditions.
Dropdown Menu – Provides additional options
Dropdown menu options
When the dropdown option "
" is selected, the following options appear :
Insert New Row – Add new commission conditions.
Duplicate All Rows – Clone existing conditions for quick setup.
Remove All Rows – Clear all existing conditions.
Undo All Changes – Revert modifications before saving.
Testing Commission Rules
Once all commission rule conditions have been configured, it is important to test the rule to ensure that all rates, limits, and calculations are applied correctly for a specific loan scenario.
The Test function allows you to simulate a loan by entering sample values and instantly viewing the calculated commission for both agents and brokers.
How to Test a Commission Rule ?
Complete all rule conditions
Ensure all required rule rows are configured correctly in the Rule Conditions table.
Verify loan types, calculation components, minimum and maximum values, and commission rates.
Select the “Test” option
Click the Test button located at the bottom of the rule configuration screen (as shown in the screenshot).
Enter test loan details In the Test Commission popup window, provide the following details:
Loan Type – Select the loan type to be tested (e.g. First loan).
Loan Capital – Enter the loan amount to be disbursed.
Loan Voluntary Insurance – Enter the applicable insurance amount.
Loan Credit Life – Enter the credit life amount.
Loan Total Repayment – Enter the total repayment value.
These inputs simulate a real loan and determine which commission rules are triggered.
Reviewing Test Results
After entering the test values, the system automatically calculates and displays (as well as highlights in the background which rule has been triggered based on your input) the following outcomes:
Agent Commission The total commission payable to the agent based on all applicable rules, including fixed amounts and percentage‑based calculations.
Broker Commission The total commission payable to the broker, calculated according to the configured broker rules.
Total Commission The combined commission amount (Agent + Broker).
Best Practices
Test multiple scenarios using different loan amounts and components.
Validate both Loan Payout and Loan Receipt events where applicable.
Always test after updating commission rates or thresholds to avoid incorrect payouts.
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