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gbanker- Complete Micro-banking System

gbanker- Complete Micro-banking System
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About gBanker

Grameen Communications has developed a software called gBanker, a complete banking software for Micro-finance Institutions (MFIs). This software was developed with several years of extensive research & analysis of all the activities of MFIs. It consists of 6 modules namely portfolio, deposit banking, payroll, inventory, fixed asset and accounting. With the passage of time, it is being updated with state of art technologies incorporating demands of clients. The version 1.0 of gBanker was written in Clipper/ FoxPro in the late 90s. Later on, it was upgraded up to version 5.0 that had been written in Visual Basic 6 with SQL server 2008 as database. Now, gBanker web version has been developed in ASP.NET (C#) with MVC 5 framework that uses SQL server 2014 as database and crystal report as a reporting tool.

Being the 1st 360 degree banking software for MFIs in the world, gBanker is currently being used by more than 60 MFIs including Nobel winning Organization Grameen Bank, Plan Bangladesh, Grameen America, USA, Grameen Aval, Colombia, Micro Credit Project (TGMP), Turkey, Ahon Sa Hirup (ASHI), Philipines, Gonesha Foundation, Indonesia, Moris Rasik, East Timur, CASHPOR, India.

Features 

Cloud server
gBanker is a web application. So, there is no need of any extra hardware. A computer along with an internet connection is needed only.

Web Based
gBanker is no longer desktop based.  Now, you can check all financial reports from anywhere through internet.

State of Art Technologies
gBanker web version is being developed in ASP.NET (C#) with MVC 5 framework that uses SQL server 2014 as database and crystal report as a reporting tool.

Fast & Flexible
The software has been designed according to Relational Database Management System (RDBMS) using multi-tier architecture mode. It makes operations fast & flexible. Users need not to worry about the data directories anymore.

Customization
Customization is available on specific requirements.

Multi-Branch Operations
gBanker 6.0 can operate as a host system in a multi-branch environment. Operators can perform each task like Portfolio, Deposit Banking, Payroll, Inventory, Fixed Asset and Accounting separately. Before performing the accounting day end process, the Portfolio day end process and the Deposit Banking day end process must be executed. All data entry works can be done simultaneously.

User Friendly
gBanker has been developed keeping users’ choices. Anyone having basic knowledge of computer and internet can use this software.

Multiple Languages
gBanker is available is English and Bengali. But, other languages can be added according to the customers’ need.

Secure & Reliable
Modern security standard has been maintained in developing the software. You can trust to store data in gBanker. More than 70 organizations have put their trust on us to implement this software in around 4000 branches.

Amazing Support
In case of any kind of support, gBanker team is available to provide support services instantly.

 

Modules

gBanker is comprised of 6 modules. These are:

Portfolio

Total micro credit system involves the disbursement of small loans without requiring collateral. That is why, Branch loan monitoring or Portfolio is a major part of this software. It provides full information for loan monitoring and savings information for borrower. Two monthly basis loan collections sheet i.e. loan repayment schedule can be printed from system so that center manager can avoid manual collection sheets easily. It includes following services:

  • Loan Management (Daily process)
  • Daily Loan Disbursement: Entry of all loans disbursed in a day. Bank lends money to a particular members (or, borrower) on a particular  purpose.
  • Daily Loan Collection : Entry of all payments of loan installments by the members in a day.
  • Daily Savings Collection : Entry of all savings collection from members in a day.
  • Savings Withdrawal : Entry of all Savings withdrawal amount performed in a day.

 

Deposit Banking

This module helps maintain all deposit banking activities properly. Services of this module include:

  • Non Members Information: Non members’ all information including centers.
  • Savings Accounts Opening: Non members’ savings accounts opening.
  • Opening Balance Entry: For entering the current balance of non members’ savings account during new Branch Computerization.
  • Cheque receives/Clearing: Details of those have been sent for checking the acceptance.
  • Cheque issue : Details of issuing Cheques.
  • Deposit: Details of Non members’ deposit money, account, transaction types etc.
  • Withdrawal: Details of Non members’ withdrawal money, account, transaction  type etc.

 

Payroll

This module keeps all types of Payroll processing information. It provides salary and advance against salary for branch staffs. Salary sheet and other advance schedule can be printed. Reports like Increment and Promotion due etc. comes from the system. Total PF (Provident Fund) system is included in this module.

  • Department: Details of departments.
  • Designation: details of employees’ designations.
  • Salary Scale: Enter details of employee salary scale which includes salary basic, increment, effective date etc.
  • House Rent Setup: Enter details of house rent-minimum basic salary, house rent rate and work area.
  • Staff Current Position: Details of employees’ current positions.
  • Staff Loans of Different Type
  • Other Allowance: Details of other allowance-type, staff ID, date, etc.
  • Adjustment Plus: Adjustment details of employees.
  • Arrears Salary: Salary arrears details-staff, amount, purpose, etc.
  • Leave Encashment: Leave encashment details-staff, amount, purpose, etc.
  • Other Deduction: Other deduction details-staff, amount, purpose, etc.
  • Adjustment Minus: Adjustment minus details-staff, amount, purpose, etc.
  • Staff Loan Initial Entry: Staff loan initial details-staff, amount, purpose, interest rate, etc.
  • Staff Loan Disburse : Staff loan disburse details-staff, amount, purpose, interest rate, disburse date etc.
  • Staff GPS Initial Entry: Staff GPS Initial details-staff, amount, purpose, interest rate, opening date, matured date, etc.
  • Staff GPS Opening: Staff GPS opening details-staff, amount, purpose, interest rate, opening date, matured date, etc.
  • Festival Bonus: Details of festival bonus-amount, purpose, pay type, etc.
  • Welcome Bonus: Details of welcome bonus-amount, purpose, pay type, etc.
  • Staff Promotion: Staff promotion details-staff ID, designation, staff scale code, etc.
  • Report Generation

 

Inventory

It Keeps store information used by the Branch offices of MFIs. Non integrated inventory system is difficult to reconcile with accounting system. Accounted value and store value can be dissimilar. It strongly follows Material Receipt and Store Requisition System. So it is easy to control both accounts and store departments’ activities. Due to integration, store balance will never dissimilar.

a.    Information Management:

  • Items Code: Item Code details-item code, item name, item depreciation etc.
  • Suppliers Code: Suppliers details-suppliers ID, suppliers’ name, business license no. etc.

b.    Reports :

  • Store Balance
  • Daily Material Receipt

Fixed Asset

It Keeps information of fixed asset used by the Branch office of MFIs. Automatic depreciation of assets is made as per rule.

a.    Information Management

  • Item Code Entry: Details of Item Code-head code, store in acc code, store out acc code, item code, depreciation rate, etc.
  • Daily Operation

b.     Reports

  • Asset schedule
  • Asset Ledger
  • Asset Register
  • Asset Depreciation Register
  • Asset Daily Transaction

 

 

Accounting

The accounting module is more powerful than previous versions-because it collects all transactions of other modules related to accounting through an automated process. So it reduces time for data entry such as one operator can input data of approximately 1500 borrowers in one hour. Daily voucher collection procedure is automatically produced by the system.

a.      Information Management

  • Account Code Entry: Details of account code- account code, account head, etc.
  • Reconciliation Purpose Code Entry: Reconciliation purpose code details- purpose code, purpose name.
  • Department Code Entry: Details of Department code- department code, department name, etc.
  • Define Report Header: Details of report header.
  • Daily voucher Entry: Details of Voucher- voucher no, department, account no, debit, credit, etc.

b.      Reports

  • Cash book (Cash Receive and payment statement)
  • Clean cash Book (cash and Journal transaction statement).
  • Trial Balance
  • Cash flow statement
  • Income Expenditure statement
  • General and Subsidiary Ledger
  • Balance Sheet

 

Technologies 

Back-End Database

SQL Server 2014

Tools

  • Relational Database Management System
  • Multi-Tier Architecture
  • Object Oriented Programming System (OOPS)

Software

  • MVC 5 (ASP, C#, .NET)
  • Crystal Report 11
  • LINQ
  • Javascript