All-in-One Management System for Non-Bank Financial Institutions
Supports the full operational lifecycle: customer onboarding, loan management, accounting, payroll, reporting, and compliance. Everything is integrated, so approved transactions automatically update the General Ledger and reports reflect real-time data
An all-in-one suite of financial management and operations products
Lower expenses, increase earnings, and streamline operations using a unified platform for your business.
Core Capabilities
- Multi-user access with role-based permissions
- Automatic General Ledger posting
- Customer photos, signatures, and document storage
- SMS alerts for customers
- Institution-branded reports
- Export to Excel, PDF, Word
- Built-in employee clock-in & attendance tracking
- Detailed audit trails
Customer & Member Management
- Register & update member profiles
- Capture photos, signatures, and documents
- Open, close, or restrict accounts
- View balances & generate statements
Teller & Front Office
- Cash deposits & withdrawals
- Loan repayments & fund transfers
- Cheque deposits & expense payments
- Automated SMS alerts
Loan & Micro Credit Management
- Loan application, appraisal, and approval
- Collateral & guarantor management
- Disbursement, rescheduling, amendments, write-offs
- Expected repayment schedules
- Defaulter tracking & portfolio aging
- Performing & Non-Performing Loan reports
Back Office & Accounting
- Bank deposits & withdrawals
- Standing orders & bank reconciliation
- Journal entries & adjustments
- Fixed deposit management
- Automated accounting postings
Authorization & Internal Controls
- Separate input & approval workflows
- Transaction search & filtering
- Flag or delete unauthorized transactions
- Strong internal control environment
HR, Payroll & Attendance Management
- Employee biodata & document storage
- Leave management, allowances, deductions, tax reliefs
- Built-in clock-in system
- Automated payroll processing & payslips
- Auto-posting to General Ledger
Reporting & Insights
- Financial statements, trial balance, assets & liabilities
- Loan portfolio & liquidity analysis
- Trend analysis & financial ratios
- Daily Balance Summary (DBS)
- Weekly & regulatory returns
- Customizable reports, exportable to Excel, PDF, Word
Authorization & Internal Controls
- Separate input & approval workflows
- Transaction search & filtering
- Flag or delete unauthorized transactions
- Strong internal control environment
hear what our clients say about us
Experience transformative digital banking journeys with Sikasof Fusion, revolutionizing financial experiences using advanced technology.
Justice Gyan
CEO, Asankraman Microfinance
Intuitive and Responsive
"We can now generate regulatory reports in minutes instead of days. The system is intuitive, and support is always responsive."
Osborn Danso
CEO, Independent Microfinance, Prestea
Transformed our daily operations
"SikaSoft Fusion transformed how we manage our microfinance operations. From tracking loans to staff attendance, everything is seamless and reliable."
Daniel Mensah
Manager, Assemblies of God Co-Operative Credit Union, Ayanfuri
Employee management and accountability
"The employee clock-in feature linked to payroll has improved our internal control and staff accountability significantly"
