Microfinance software for Bangladesh, with accounts built in
Samity, members, loans, savings, field collection and full double-entry accounting in one system, set up for MRA and PKSF reporting. Choose the modules you need and see a live demo.
- Samity and members
- Loan products
- Savings products
- Field collection
- Automatic accounting
EOMS BD provides microfinance software for Bangladeshi MFIs and NGOs: samity and member management, loan products and instalment schedules, savings, field collection, loan ageing and provision, and full accounting that posts every transaction automatically. Reports follow MRA and PKSF formats. You get a live demo first and a written quote based on your branches and modules.
বাংলাদেশের জন্য মাইক্রোফাইন্যান্স সফটওয়্যার
EOMS BD বাংলাদেশের ক্ষুদ্রঋণ প্রতিষ্ঠান ও NGO-র জন্য মাইক্রোফাইন্যান্স সফটওয়্যার দেয়: সমিতি ও সদস্য, লোন প্রোডাক্ট ও কিস্তি সূচি, সঞ্চয়, মাঠের কালেকশন, লোন এজিং ও প্রভিশন, আর প্রতিটি লেনদেন থেকে অটো হিসাব। রিপোর্ট MRA ও PKSF ফরম্যাটে। আগে লাইভ ডেমো, তারপর ব্রাঞ্চ ও মডিউল অনুযায়ী লিখিত কোটেশন।
What goes wrong when choosing microfinance software
Many MFIs buy software for loans and savings and only later discover that the accounts, provision and regulator reports still have to be done outside it.
Accounts left out
The MIS tracks loans and savings, but vouchers, ledger and statements are still kept in Excel.
Locked-in data
Exports are limited, so moving to another system or answering an auditor means asking the vendor every time.
Reports rebuilt by hand
Regulator and lender formats are not built in, so staff copy figures into templates every month.
Unclear pricing
A low first price grows with per-branch, per-user and per-report charges that were never written down.
Pick your modules and see the typical go-live time
Tick the parts your organisation needs. The demo shows how many modules you chose and a typical go-live time, and the quote button carries your choices into the enquiry form.
- Samity and members
- Loan products
- Savings products
- Field collection
Typical estimate: depends on the number of branches and the state of old data.
What your organisation gets
Samity and members
Samity days, field officer assignment, member admission with NID, transfers, closing and black list.
Loan products
Weekly, monthly or daily instalments, declining-balance service charge, grace periods, rescheduling and waivers.
Savings products
General, voluntary and term savings with interest rules, withdrawals and adjustment on member closing.
Field collection
Daily collection sheets (DCR), optional field officer app and day-end process at the branch.
Automatic accounting
Every disbursement, collection and savings entry becomes a balanced voucher in the right account.
Ageing and provision
Overdue classification and loan loss provision calculated each month from the rates you set.
MRA and PKSF reports
Reports in the formats your regulator and lenders require, from the same reconciled data.
SMS to members
Instalment and savings confirmations by SMS, so members see every taka they pay.
A complete NGO accounting system: software and service
Switch on only what you need. Hand us the whole job, or let your own team run the software.
Accounts
- Chart of accounts mapped to MRA/donor formats
- Vouchers with approval steps
- Ledger, cash and bank books
- Trial balance and statements
- Budget vs actual
Loans
- Product-wise disbursement & recovery
- Service charge (declining balance)
- Accrued service charge
- Write-off, waiver, rescheduling
- Loan ageing & provision
Savings & insurance
- General, voluntary & term savings
- Interest on savings
- Savings adjustment on closing
- Micro-insurance / risk fund
- Admission & passbook fees
Branches & funds
- HO, zone, area, branch structure
- HO current accounts & fund transfers
- Consolidated statements
- PKSF & bank borrowings
- Reserve & disaster funds
Donor projects
- Restricted & unrestricted funds
- Donor & budget-line coding
- Shared-cost allocation
- Advance and liquidation
- Donor financial reports
People & assets
- Payroll with field allowances
- Provident fund & gratuity
- Staff loans & security deposits
- Fixed assets & depreciation
- Tax & VAT deducted at source
Reports
- MRA-format monthly/quarterly/annual
- PKSF and lender reports
- NGO Affairs Bureau project accounts
- PAR, OTR, OSS, FSS
- Audit-ready statements & notes
Control & ownership
- Keep your current MIS
- Role permissions & audit trail
- Written NDA, your data stays yours
- Daily backup, cloud access
- Bangla + English, Excel/PDF
First consultation free, then a written quote
Tell us your branches and members, projects and donors, current software and the reports you need. We send a work plan and a line-by-line written quote, with no hidden charges.
Six kinds of organisation, one accounting system
Each has its own regulator, rules and reports, and the system is set up for that.
How we start, in 5 steps
Live demo
We show the system with sample data and go through your loan and savings products.
Scope and written quote
Modules, branches, users and data migration listed line by line, with no hidden charges.
Setup and migration
Products, chart of accounts and opening balances loaded and checked against your current portfolio.
Training and parallel run
Branch and head-office staff trained, then one month alongside your current method.
Go-live and support
Live use with support from our team, and help with month-end and reports.
MIS-only software versus microfinance software with accounts
| Loan & savings MIS only | MIS + accounts (EOMS BD) | |
|---|---|---|
| Vouchers | Typed separately | Created from each transaction |
| Ledger and statements | Outside the system | Inside, always current |
| Loan loss provision | Spreadsheet | Calculated monthly |
| Regulator reports | Copied into templates | Produced from the system |
| Data export | Limited | Full Excel/CSV export, data is yours |
| Existing MIS | Must be replaced | Can be kept and connected |
Frequently asked questions
It depends on the number of branches and users, the modules you choose, data migration and whether you want support or full accounts service. EOMS BD gives a written, line-by-line quote after a demo, with no hidden per-report charges.
Yes. We run a live online or in-person demo with sample data, covering samity, loans, savings, day-end, accounts and reports.
Yes. Many organisations keep their loan and savings MIS and use our accounting and reporting on top of it, with data brought in from MIS exports.
Reports are prepared in the formats MRA currently requires, and provision uses the rates you enter from the current circular. When rules change, formats and settings are updated.
An optional field app can record collections at the samity and send them to the branch for day-end.
Your organisation does. Data can be exported in full at any time, and all data is handed over if the contract ends.
Typically a few weeks: setup and migration, training, then one month of parallel running. It depends on the number of branches and the quality of existing data.
More on NGO & microfinance accounting
Book a microfinance software demo
Tell us your number of branches, loan and savings products and current software. We will arrange a demo and send a written quote.
+880 1784-222255info@eomsbd.com · Dhaka, Bangladesh