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Operating system: Windows, Android, macOS
Group of programs: Business automation

Software USU

System of the credit money

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The system of credit money is a part of the USU-Soft system and allows a credit institution to establish automated control over money - incoming and outgoing, i.e. as payments for credit repayment and in the form of issued credit. The difference in credit money includes interest rates, penalties, etc., so the system accepts credit money to conduct accounting, differentiating them by purpose, accounts, loan applications and borrowers themselves, and all these processes are automatic, relieving staff of many responsibilities. The only duty of employees in the credit money system is to timely record in electronic forms the performance of work operations and the results obtained, on the basis of which the system compiles a description of the current state of affairs in the credit institution.

According to the indicators presented in it, the management can objectively assess the real achievements and decide on the correction of lending activities. The state of affairs is even monitored remotely - the system of credit money is available with the presence of the Internet and, moreover, forms a single information network of all services and departments, branches, geographically remote from the head office. This functions with an Internet connection. The system of credit money distributes information across different databases, of which there are plenty. But they are all identical to each other in general form, not in content. This is convenient, since you do not need to rebuild each time when changing tasks. Information in the databases does not come directly from users, but only after sorting and processing by the system itself - it collects their readings from the forms filled in by users, sorts them according to their intended purpose, processes and already places the ready-made indicators in the corresponding databases available to other specialists.

Who is the developer?

The fact is that the system of credit money shares access to information, since different employees can work in it, not everyone needs to know about the state of credit relations. This is commercial information. Everyone has access to official data, but only within the framework of duties - exactly as much as is required for high-quality performance. Such division of access is provided by individual logins and passwords protecting them, each employee has a separate work area, where his or her personal electronic forms are collected to conduct accounting of finished work. They become personal at the time of filling, since they are marked with a login - the user opens it under his or her own name. Based on such forms, which list all the work for the period performed by each user, piecework wages are automatically calculated. This method of calculation provides the credit money system with the prompt addition of work results, which is what it needs to accurately describe the processes.

The contract and schedule are attached to the electronic application. The format allows a photo of the borrower to be attached, using a webcam from the employee's computer. At the same time, the credit money system even knows how to do image analysis, checking the identity of the borrower and his or her participation in other transactions with money. When placing an application, the manager fills out the form - the loan window, the client is selected from the CRM, where he or she must be registered, even if he or she receives a loan for the first time. To register a borrower, there is another electronic form. The system has a client window, where primary information is added - contacts, personal information, and a copy of an identity document. The manager can also ask the source of information from where the client learned that there it is possible to get money at interest, so that the credit money system later analyzes the sites that are used in promotion.

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When starting the program, you can select the language.

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As soon as the client is indicated in the loan window, the system requires the entry of data on the rate and period, and independently draws up a calendar for repayment of payments. After filling out the loan window, the manager receives a full package of documents accompanying the issuance of money, including an expense cash order, which it promptly prints for signature by both parties. At the same time, the cashier is being informed with a request to prepare a certain amount of money. There is an internal connection, which the credit money system supports in the format of pop-up windows - a notification instantly appears on the cashier's computer. As soon as the documents are signed, a confirmation of the readiness of the money is received from the cashier, the manager sends the client to the cashier. At the same time, the application in the loan database has one color. After receiving the money it will change to another - the application is confirmed, the money is issued. If the loan is repaid on time, then the current status of the application and the color for it will always be the same color, without attracting the attention of employees. If there is a delay in payment, the color (status) changes to red – this means a problem area.

The system actively uses color to indicate the state of performance indicators, which makes it possible to visually control the processes without detailing their content. The compilation of a list of debtors is accompanied by highlighting the size of the debt in color - the higher the amount, the brighter the cell of the borrower is. Other information, in fact, is not needed. Employees can jointly record in any documents - the multi-user interface eliminates any conflicts of saving data with a one-time access. Electronic communication is offered. It has the format Viber, e-mail, SMS, voice announcements, actively participates in the notification of clients, various mailings. Each borrower receives a timely reminder of an imminent payment, accrual of interest in case of delay, change in payment when the exchange rate jumps. The system automatically recalculates credit conditions when the exchange rate changes, if payments are received in local currency units, and the contract amount is specified differently. In addition to automatic notification according to the conditions specified in the database, the system offers promotion of services in the form of information and advertising mailings to all customers.

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System of the credit money