Nova Microfinance — Performance Intelligence Dashboard

Secure Access

This updates your dashboard-local password immediately.

PAR Alert: PAR30 is above 5%. Current rate: —

Update Available: A newer dashboard version is ready. Refresh to load the latest changes.

Branch All Branches

Product All Products

Period —

📊Portfolio KPIs

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Portfolio Outstanding

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Live balance sheet

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Total Disbursements

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Collections

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allocation by due bucket

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Expected Collections

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System schedule due in the selected period

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Collection Rate

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Paid versus due exposure

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Active Loans

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Avg Loan Size

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Average disbursed amount

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Customer Retention

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Overdue Amount

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🔄Loan Pipeline

Pending Approval

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Submitted, awaiting review

Approved – Awaiting Disbursal

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Approved, not yet disbursed

Active Loans

✓

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Live portfolio outstanding

Written Off

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Total written-off principal

Rejected

✗

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Declined applications

Closed – Repaid

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Fully satisfied loans

Loan Processing Turnaround

last 90 days

⏱

Submit → Approve

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days avg

Branch Level

Approve → Disburse

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days avg

Credit Analysis Level

Overall TAT

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days · per-loan average

End-to-End

Stage Breakdown —

Branch · — Credit Analysis · —

⚠Portfolio At Risk (PAR)

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PAR > 1 Day

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PAR > 7 Days

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PAR > 14 Days

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PAR > 30 Days

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PAR > 60 Days

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PAR > 90 Days

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📈Portfolio Trends

Collections Allocation

What this period's cash actually settled — Period dues vs prior Arrears recovered vs Advance prepayments

Period Arrears Advance

Disbursements & Collections Trend

Daily amounts for the selected period

Disbursements

Collections

Collections Coverage Trend

Collected versus reconstructed due exposure across the selected period

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Selected-period efficiency

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Collected

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Due Exposure

Product Mix

Disbursements by loan product with PAR overlay

Collections by Day

Avg daily collections (90 days)

PAR 30 Trend

Portfolio at risk (6 months)

Branch Performance

Disbursements & collections by branch

Arrears Aging

Active portfolio by days overdue

Collections by Payment Method

Transactions by channel for selected period

Individual vs Group Loans

Active portfolio split by lending type

👥Team Performance

Loan Officer Leaderboard

Top performers

Monthly targets are locked to the current month.

Score:

Position	Officer	Branch	Loans	Disbursed	Active	Collections	System Expected	Overdue	Efficiency	PAR > 1	PAR 30	Score
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Position	Branch	Loans	Disbursed	Collections	Active	Pipeline	Outstanding	PAR > 1 Day	Monthly Target %
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ExCo / Board Dashboard

Executive view for portfolio health, regulatory risk, and profitability.

Overdue Amount

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Selected-period missed dues

Portfolio Outstanding

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Live principal exposure

Collection Rate

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Selected-period repayment discipline

PAR > 1 Day

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Any arrears — early warning

PAR > 30 Days

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Core portfolio risk

PAR > 90 Days

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Provisioning trigger

Net Profit

P&L

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Profitability will load here

Total Revenue

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Cash revenue from repayments

Total Costs

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Direct plus branch overhead

Net Profit

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Revenue minus costs

Portfolio CIR

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Cost to income ratio

Return on Portfolio

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Revenue over outstanding

Risk-Adj Profit

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PAR-adjusted net

Monthly Cost Entry -

Staff Costs

Salary

Transport

Airtime

Insurance

NSSF

Per Diem

Commission Override

Other Direct

Commission Rule

Branch Costs

Rent

Utilities

Supplies

Internet

Electricity

Admin Officer

Fixed / Officer

Other Overhead

#	Officer	Branch	Revenue	Direct Costs	Overhead	Total Cost	Net Profit	CIR %	RoP %	Risk-Adj Profit	Status
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#	Branch	Officers	Revenue	Total Cost	Net Profit	CIR %	RoP %	Risk-Adj Profit	Status
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CIR = Cost-to-Income Ratio (lower is better, target < 70%) | RoP = Return on Portfolio | Risk-Adj Profit = Revenue x (1 - PAR30%) - Costs | Revenue uses repaid interest + fees + penalties and costs use built-in assumptions with optional Google Sheets overrides

veni vidi vici

Accounting Dashboard

Dedicated finance view for GL movement, incomes versus expenses, and ledger quality.

Accounting Overview

Live GL income, expense, and branch accounting will load here.

Revenue

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Income accounts in scope

Operating Expense

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Excludes provisioning and write-offs

Write-Offs

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Charged-off exposure

Provisioning

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Loan loss provision movement

Core Surplus

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Revenue less opex and write-offs

Ledger Result

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Revenue less total expense

Manual Journals

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Share of posting lines

Last GL Closure

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Finance close status

Accounting Statement Flow

Revenue, expense, provisioning, and result trends for the selected accounting period.

Branch Accounting View

Compare revenue, operating expense, provisioning, and core surplus by branch.

Income vs Expense Trend

Direct comparison of income, total expense, and net result across the accounting series.

Payment Methods Used

Collections mix by payment channel inside the same accounting window.

Top Income Accounts

Highest contributing revenue lines in the selected view.

#	Account	Root	Share	Amount
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Top Expense Accounts

Largest expense lines, including operating, provisioning, and write-off classes.

#	Account	Class	Root	Amount
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Branch Finance Table

Core management view by office, including manual-journal concentration.

#	Branch	Revenue	OpEx	Write-Offs	Provisioning	Core Surplus	Ledger Result	Manual %
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Chart of Accounts Structure

Root groups, account counts, and movement from the selected period.

#	Root Group	Type	Accounts	Detail	Movement
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Core Surplus = Revenue - Operating Expense - Write-Offs | Ledger Result includes provisioning and other expense movements

veni vidi vici

IT Tools

System access, runtime controls, and dashboard provisioning.

System Health

Live connectivity checks and server runtime information.

Uptime

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Node / Platform

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Runtime

Memory (Heap)

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RSS

Process ID

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Server PID

Local Accounts

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Bootstrap users

Access Users

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Provisioned

Audit Events

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In memory

Product Cache

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Loan products

Run checks to see status

Dashboard Access Control

Hela Plus validates credentials. Nova decides which surfaces and branches a user can open.

Runtime file

Provisioned Dashboard Users

Loading access records...

Username	Role	Scope	Status	Updated	Actions
Load a session to view access users.

Local Account Management

Manage the local fallback accounts (ops, board, it). These are used when Hela Plus is unreachable.

Reset Account Password

Account

New Password

Confirm Password

Local Account Notes

Local accounts exist as a fallback and bypass Hela Plus authentication. Passwords are stored in runtime-data/local-passwords.json and persist across server restarts.

For day-to-day staff, provision them via Dashboard Access Control above using their Hela Plus credentials.

Password changes take effect immediately for new logins. Existing sessions remain valid until they expire.

Full Audit Trail

All login, logout, access-change, password-reset, and system events. Persists until server restart.

Time	Event	Actor	Role	IP Address	Detail
Load audit log to view events.

User Analytics

Session frequency, active users, role distribution, and login patterns. Derived from audit trail.

Total Sessions (30d)

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Unique Users (30d)

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Distinct actors

Failed Logins

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Auth failures

Most Active Role

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By session count

Push Alerts & Notifications

Subscribe to browser push notifications for PAR alerts and critical portfolio events.

PAR alert threshold: 5%. The banner at the top of the dashboard is always visible when PAR30 exceeds this threshold. Push notifications will fire for connected devices.

Create Local User

Create a dashboard user who can sign in with a username and password directly (no Hela Plus required). Role and branch apply immediately.

New User Credentials

Username

Display Name

Password

Confirm Password

Role

Branch Scope

Assigned Branch

Notes (optional)

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Credit Analysis — Loan Pipeline

Submitted and approved loans awaiting review. Verify KYC, required fields, and uploaded documents before recommending disbursement.

Pending Approval

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Approved

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Total Pipeline

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Avg Days Pending

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since submission

Oldest Pending

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KYC Ready

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80%+ complete

Pipeline Stage Distribution —

KYC Readiness —

Loan #	Client	Product	Amount	Officer	Branch	Submitted	Stage	KYC Check
Loading pipeline…

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KYC & Document Checklist

Loan Application Details

Uploaded Documents

Document Archive

Policies, product papers, loan forms, and working templates. Upload new versions or open existing files.

Loading documents…

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Loan Products — Portfolio Analysis

All loan products with configurations, loan counts and outstanding balances by status.

Product	Interest Rate	Method	Term	Min — Max (UGX)	Active Loans	Total Outstanding	Total Disbursed	Status Breakdown
Loading product portfolio…

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📨 Send Reminders

Send WhatsApp reminders to clients and officers in bulk or individually

📋 Expected Repayments

Loading expected collections...

🔔 Due Today

Loading due today collections...

💬 Overdue (1-7 days)

Loading 1-7 days overdue...

💬 Overdue (8-30 days)

Loading 8-30 days overdue...

💬 Overdue (30+ days)

Loading 30+ days overdue...

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Loan Calculator

Standard and reverse calculator for all Nova loan products · All amounts in UGX

Loan Product

Interest Method

Loan Amount (UGX)

Down Payment / Deposit (UGX)

Paid Down Payment (UGX)

Actual amount paid by client

Interest Rate

Loan Term

Repayment Frequency

First Repayment Date

Loan to Foreclose (optional)

Pick a defaulting loan, or leave blank and enter a New Loan Amount below.

New Loan Amount (UGX)

Defaults to the remaining principal. Override if the new client takes a different amount.

New Client Name (optional)

New Loan Product

Interest Rate

New Loan Term

Repayment Frequency

Interest Method

First Repayment Date

Net Loan Amount

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Installment

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Total Interest

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Total Fees

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Total Cost

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No. of Payments

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#	Date	Principal	Interest	Fees	Total	Balance
Enter loan details above to generate schedule…

veni vidi vici

Client	Phone	Loan #	Product	Branch	Outstanding	Overdue	Overdue + Interest	Total Overdue	Days In Arrears
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Position	Officer	Loans	Disbursed	Active	Collections	System Expected	Overdue	Efficiency	PAR > 1	PAR 30	Score
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Nova Loan Performance Report