We want to introduce you to Tran...
Tran is the credit officer tasked with collecting repayments from each loan recipient. Once a month, Tran visits each community on a specific day, at a central location, and collects repayments from each loan recipient in the area.
Snapture - it's as easy as 'click click click'
Once Tran arrives at the central collection point, he pulls out his phone and opens Snapture, an Android application that allows him to send in photos and take pictures of codes (similar to QR codes) to relay information.
Tran can use Snapture to submit information about the loan collection process, check in and out at each collection point, and provide proof that each step in the process has been correctly followed.
The application allows Tran to take pictures of the location, and the list of payments to be collected, and to answer, among other questions, "Are you at the assigned collection point?", "Do you have the list of loan recipients for the collection point?" and "Have you successfully collected and recorded all of the repayments for this collection point?"
There are a few perks of Snapture that make it quite easy for Tran to use. He doesn't have to read or type anything on the screen - picture taking has never been easier: just press the volume buttons to snap a picture.
After reporting via Snapture, Tran can also receive an SMS back to thank him for his reports. If for some reason he does not report, Tran will receive an SMS prompt reminding him that he still needs to report.
Now, meet Lan
Lan is one of the recipients of a micro-finance loan, for which she makes regular repayments to a credit officer.
SeeTell - A Missed Call System
SeeTell is a system based on 'missed calls' -- a tool that can be used on any type of cellphone, is free for users, and is as simple and as quick as dialling a few digits. Lan makes a 'missed call' to a pre-determined number that signals that she has made a repayment.
Lan is able to report on a number of different things - that she has successfully made her required repayment, that she was able to pay more than the required amount, that she was unable to make a repayment, or that she needs to report an issue (in this case, she can make a missed call that signals that she requires a call back)
Once she has reported, Lan will receive an SMS confirming her report