👥 Borrower Management

• Add / Edit / Delete Borrowers

• Complete borrower profile:

  • Full Name, Address, Contact Number

  • Email & Facebook Messenger ID

  • Barangay (Brgy) assignment

• Upload documents:

  • Valid ID

  • Proof of Address

• Loan status tracking (With Loan / No Loan)

💰 Loan Management

• Create and manage loans

• Auto Loan Number generation

• Loan details:

  • Loan Amount

  • Interest Rate

  • Loan Term (Months)

  • Due Day (Monthly schedule)

• Loan Categories (customizable)

• Loan Status:

  • Ongoing

  • Closed

📅 Payment Scheduling (AUTO)

• Automatic payment schedule generation

• Monthly due dates based on Due Day

• Breakdown per schedule:

  • Principal Amount

  • Interest Amount

• Auto re-sync schedule when loan is edited

💵 Payment Collection System

• Record payments per schedule

• Supports:

  • Full Payment

  • Partial Payment ✅ (important!)

• Auto deduction of remaining balance

• Fields:

  • Payment Amount

  • Payment Date

  • Payment Method (Cash / Others)

  • Receipt Number (required for non-cash)

• Unique receipt validation (no duplicates)

🧾 Receipts & OR Tracking

• Auto OR Number format (e.g. OR-YYYYMMDD-###)

• Receipt required for non-cash payments

• Prevent duplicate receipts

• Ready for printing

📊 Real-Time Loan Tracking

• Per borrower:

  • Total Paid

  • Remaining Balance

  • Last Payment Date

• Status Indicators:

  • ✅ Paid

  • ⚠️ Partial

  • ❌ Unpaid

📉 Unpaid Accounts Monitoring

• Auto computation of:

  • Remaining Principal

  • Interest

  • Total Unpaid Amount

• Highlights:

  • Overdue

  • Due Today

  • Upcoming

📲 SMS Payment Reminder System

• Send reminders via SMS

• Filters:

  • Overdue

  • Due Today

  • Upcoming

• Auto-send option (cron-ready)

• Personalized message (with borrower name & loan no.)

📧 Email Reminder System

• Send email reminders to borrowers

• Bulk sending capability

• Auto-send feature available

💬 Facebook Messenger Reminder (Optional)

• Send reminders via Messenger

• Uses stored FB profile links

📥 Payment Proof Upload (Client Side)

• Borrower can submit:

  • Amount

  • Reference Number

  • Proof Screenshot

• Admin can:

  • Approve

  • Decline

• No auto-posting (manual verification control)

📈 Reports & Analytics

• 📊 Income vs Expense Report

• 📋 Payment Report (with filters):

  • Date Range

  • Payment Method

  • Collected By

• 👥 Borrower Reports

• 📉 Unpaid Accounts Report

• Export to Excel / Print ready

💸 Expense Tracking

• Record expenses:

  • Date

  • Amount

  • Item Name

  • Description

  • Collected By

• Included in financial reports

👨‍💼 User Roles & Access Control

• Admin (Full Access)

• Staff / Collector:

  • Limited access (by barangay/server)

  • Can collect payments only

• Borrower Portal:

  • View loan status

  • Submit payment proof

🌐 Borrower Portal (Client Side)

• Mobile-friendly dashboard

• View:

  • Loan details

  • Payment history

  • Balance

• Submit payment proof

• Installable as PWA (App-like experience 📱)

📝 Borrower Registration (NEW ✅)

• Online borrower signup form

• Collects:

  • Full Name

  • Contact Number

  • Email

  • Address / Barangay

• Can be used for:

  • New loan applicants

  • Lead generation

💬 Inquiry System (NEW ✅)

• Borrowers can send inquiries directly from portal

• Fields:

  • Name

  • Contact

  • Message

• Stored in system for admin follow-up

🔐 System Security & Controls

• Duplicate payment prevention

• Receipt validation rules

📧 🔔 Real-Time Email Notifications (NEW 🔥)

• Admin automatically receives EMAIL alerts when:

  • A borrower registers

  • A borrower sends an inquiry

  • A borrower submits payment proof

👉 No need to check manually — you get notified instantly

👉 Faster response = faster approval = faster collection 💰