Hierarchical approval workflow
Each role validates its step in a configured cascade (Agent → BM → RM → CEO). Full audit trail on every transition.
Microfinance SaaS platform
Digital trust for microfinance institutions.
Qredon unifies the operations of a modern MFI: credit, portfolio, branch hierarchy, compliance and borrower portal. Built for Tunisia, trilingual and RTL-native.
Three workspaces, one platform
A tool tailored to every actor in your institution.
From the CEO to the field officer, through the end borrower, each role gets a dedicated interface.
MFI workspace
Credit, portfolio, branches, users, audit. The backbone of your operation.
Learn moreBorrower portal
Signup, digital KYC, loan application, repayment tracking. Web and Android + iOS mobile app (Kotlin Multiplatform).
Learn moreSaaS console
Institution provisioning, billing, monitoring, support. For the Qredon platform team.
Learn moreThe credit journey
From signup to disbursement, a controlled journey.
An orchestrated hierarchical workflow that guarantees compliance, traceability and speed of execution.
- Step 1Borrower
Borrower signup
Borrower signs up via portal or mobile app. Dual OTP SMS + Email, no password needed.
- Step 2Borrower
KYC completion
5-step form: personal info, professional info, ID card front/back, selfie. Consent validated via OTP before submission.
- Step 3Officer
KYC validation by officer
Officer compares selfie and ID remotely from their desk, can request additions or reject with reason.
- Step 4Borrower
Loan application
Borrower submits application (product, amount, term). Real-time simulator, draftable, 10-min submission.
- Step 5Branch Manager
Branch Manager review
Branch Manager checks repayment capacity, scoring, file consistency, then forwards up the hierarchy.
- Step 6CEO
Regional / CEO approval
Depending on the amount, Regional Manager or CEO approves or rejects. Hierarchical workflow traced in audit log.
- Step 7System
Disbursement and tracking
Disbursement recorded, repayment schedule auto-generated. Pre-due notifications and automatic receipts after each payment.
What Qredon delivers
The fundamentals of a modern MFI, built in.
Features built with sector operators, not adapted from a generic banking software.
100% digital onboarding
5-minute signup via dual OTP (SMS + Email), 5-step KYC, remote validation by agent.
Real-time PAR dashboard
PAR 30/60/90 days continuously computed, automatic alerts on delays, drill-down by branch and officer.
Multi-branch, multi-region
Hierarchy CEO → Regional Manager → Branch Manager → Supervisor → Officer, with visibility adapted to each level.
Mobile app for Android + iOS (Kotlin Multiplatform)
Shared Kotlin Multiplatform codebase with Compose UI: OTP onboarding, KYC, simulator, loan request and tracking, push notifications, offline local cache (SQLDelight).
Trilingual FR / AR / EN, native RTL
Interface available in French, Arabic (RTL) and English. Full Arabic support from phase 1.
Why Qredon
A native approach for the Tunisian market.
Compared to retrofitted global solutions, Qredon is built from day one for the realities, regulations and languages of Tunisia.
| Criteria | Qredon | Market alternatives |
|---|---|---|
| Native Arabic (RTL) support | Included since v1 | Often optional or custom |
| Schema-per-tenant isolation | Dedicated PostgreSQL schemas | Row-level multi-tenant security |
| Dedicated mobile app | Android + iOS via Kotlin Multiplatform (shared code, Compose UI) | PWA or per-platform app |
| Remote KYC | ID + selfie + OTP consent, agent review | Often field-agent oriented |
| MFI provisioning | 7-step onboarding, 1 hour | Requires technical intervention |
| BCT compliance | Preset for the Tunisian market | Global generic approach |
| Price point | Affordable SaaS for mid-size MFIs | Enterprise premium ($50k+/yr) |
Ready to modernize your institution?
Let's schedule a demo tailored to your context. 30 minutes to see what Qredon can bring to your MFI.