Mitume Sacco Loan Management &
Member Portal Solution
Building the secure, centralized backend for a comprehensive member-facing financial portal.
Technologies Used
Summary of Expertise
I developed and deployed a custom Dynamics 365 Business Central solution to serve as the secure, centralized core backend for Mitume Sacco's member-facing loan management and financial portal. This implementation leveraged Web Services and REST APIs to expose critical functionalities, managing all member data (loans, shares, savings) and transactions. The primary goal was to ensure all financial activities were correctly channeled through the Business Central Chart of Accounts for seamless audit, reconciliation, and robust financial reporting.
Key Contributions & Modules
API Integration & External Application Backend
I was responsible for the strategic exposure of Business Central functionality to external platforms:
- Implemented robust Web Services and REST APIs to facilitate seamless, real-time integration between the core Business Central system and external applications (including web portals and USSD services).
- Successfully positioned Business Central as the Data Core, the centralized, secure backend for all member data (loan accounts, share accounts, savings accounts) and financial transactions.
Comprehensive Loan Management System (LMS)
This module covered the entire loan lifecycle management within Business Central:
- Designed and implemented the full system to create, track, and manage member loan applications from initiation to final disbursement.
- Developed routines for the automatic creation of detailed repayment schedules upon loan disbursement, ensuring accuracy and predictability.
- Created functionality to correctly split incoming payments (e.g., from M-Pesa) into their appropriate accounts: principal, savings deposits, and penalty payments.
- Accounting Integration: Ensured all loan activities were processed and recorded directly via the Business Central Chart of Accounts, which streamlined bank account reconciliation and improved reporting accuracy.
Savings and Shares Module
- Provided core BC functionalities for members to create and manage savings and share accounts.
- Implemented full transaction processing capabilities, including handling deposits, transfers, reversals, and withdrawals for both savings and shares.
- Enhanced reporting features to provide detailed insights into savings and share transactions and current balances.
Project Reflection: Backend Foundation
The success of this project lay in establishing Business Central not just as an accounting tool, but as the single source of truth for all member financial data. By exposing functionality through clean, secure APIs, we enabled the Sacco to launch modern digital member services (web and USSD) while retaining absolute financial integrity and reporting compliance within the core ERP system. This reinforced the power of Dynamics 365 Business Central as a flexible, extensible financial backbone.