Commission Setup

Keywords : Commission Rules; Agent Types; Loan Product Eligibility; Earning Rate Calculation; Commission Events

Welcome to Commission Setup

The Commission Setup module allows users to define commission rules that determine how commission agents earn income based on the loans they are linked to. Mobiloan automatically calculates and allocates commissions according to these rules, ensuring that payouts are correctly managed.

Key settings include:

  • Authorized limits: Determines which branches, loan products, and agent types qualify for commission.

  • Commission earning rates: Defines how commission is calculated (fixed amount or percentage).


Getting Started

To begin, either select an existing commission rule from the table or click the "+" icon to create a new rule.


Step 1 - Defining Limits

In this step, users must define the access and limits applicable to the new commission rule. The key configurations include:

  • 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

    • Enables commissions even if the borrower is also registered as an agent.

    • Use case: Agents taking loans remain eligible for commission transactions.

    Allow commission when borrower is a device user

    • Enables commissions if the borrower is flagged as a device user.

    • Use case: Ensures commissions apply for borrowers using devices (e.g., POS, mobile apps).

    Note

    • Both options are optional and can be toggled on/off as per policy.

    • If disabled, commissions won’t be issued under those borrower conditions

  • 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.


Step 2 - Defining the Earning Rate

Initially, the Rule Conditions Table will be empty.

Additional Options

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

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.

Adding a new condition

  1. Select the dropdown menu option.

  2. Click "Insert New Row" to create a new condition.

  3. Complete the required fields.

Field

Description

Loan Event

Choose between commission applying on Loan Payout or Loan Receipt.

Loan Type

Specify if the condition applies to First-time, Dormant, Repeat, or Top-up loans.

Loan Requirement

Determine if selecting a commission agent is required or optional when creating a new loan.

From Loan Capital

Define the minimum loan amount for the rule to apply.

To Loan Capital

Define the maximum loan amount for the rule to apply - however note that this value is exclusive. (i.e. if max capital set here is R3,000 - then commission is earned up to R2999 capital borrowed)

Agent Fixed Commission

Enter a fixed commission amount (in currency) payable to agents.

Agent % of Loan Capital

Set a commission percentage based on the loan amount.

Broker Fixed Commission

Enter a broker fixed broker apportionment amount payable to brokers.

Broker % of Loan Capital

Set a broker apportionment percentage based on the loan amount.


Step 3 - Finalizing Category Setup

Once all steps are completed, test the commission rule to ensure all necessary rates are set correctly for a given loan amount , type and event. This can be achieved by selecting the "Test" option

You have successfully set up a new commission rule in Mobiloan! 🎉


Mobiloan Pages: agent_commission_rule_detail

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