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

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.

Adding a new condition
Select the dropdown menu option.
Click "Insert New Row" to create a new condition.
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.
Pro-Tips 💡
Commission can be set as either:
A fixed amount per loan disbursement or repayment
A percentage of the loan amount disbursed or repayment collected
Commission rules can be customized per loan type, e.g.:
First-time loans
Top-up loans
Repeat loans
Dormant loans
If both a fixed amount and a percentage are defined, the system will combine them to calculate the total commission.
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! 🎉
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