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Group of programs: Business automation

Software USU

Accounting for credit operations

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Program screenshot

A screenshot is a photo of the software running. From it you can immediately understand what a CRM system looks like. We have implemented a window interface with support for UX/UI design. This means that the user interface is based on years of user experience. Each action is located exactly where it is most convenient to perform it. Thanks to such a competent approach, your work productivity will be maximum. Click on the small image to open the screenshot in full size.

If you buy a USU CRM system with a configuration of at least “Standard”, you will have a choice of designs from more than fifty templates. Each user of the software will have the opportunity to choose the design of the program to suit their taste. Every day of work should bring joy!

Loan transactions are recorded automatically in the USU Software, which means that any loan transaction will immediately be displayed on the account and in all documents related to loans, including colour indication, which is provided in the automated accounting system to ensure visual control of all operations that take place when servicing a loan. All operations are carried out without the participation of personnel, hence the approval of ‘automatic accounting’, which makes the actual accounting not only more efficient, since the speed of any operation is a fraction of a second, regardless of the amount of data in processing, but simply effective due to the completeness of coverage data to be recorded. Moreover, with automated accounting, all calculations are also made automatically, including the calculation of interest and accrual of penalties, recalculation of payments when the current exchange rate of foreign currency changes if loans were issued in a foreign currency, and transactions on such loans are conducted in national equivalent.

Accounting of credit operations in foreign currency is carried out according to the same principles as for ordinary loans, but, as a rule, the parties agree on the legality of transactions to recalculate payments when the current exchange rate of the foreign currency in which this loan was issued changes, if the foreign currency undergoes serious fluctuations. It should be noted that credit in foreign currency, if short-term, is much more profitable than a loan in national money since in the absence of fluctuations in the exchange rate of foreign currency, operations on such loans require lower repayments than in the case of a loan under similar conditions in local money. The configuration of an accounting of credit operations automatically distributes ‘foreign’ loans by types, which are determined by the purposes of foreign currency loans, to creditors, agreements, and independently conducts all types of operations that are provided to service credits in foreign currency. Its duties include control over the correct allocation of credit resources, timely fulfilment of obligations on them, and compliance with the requirements of foreign exchange legislation.

Who is the developer?

The configuration of an accounting of credit operations in a foreign currency will automatically consider the exchange rate difference on interest payments, the exchange rate difference on payment of the principal debt by the date of payments, according to the schedule set for them, which is also generated independently by the configuration. Control over foreign currencies, more precisely, monitoring of their current rates, the automated accounting system carries out automatically and, if they fluctuate sharply, immediately conducts operations to recalculate payments according to the new rate, informing customers about this automatically by those contacts that are presented in the database, if the software is installed in the financial institution.

Accounting of operations in foreign currencies is carried out when issuing credit funds, during subsequent repayment operations or when they are returned. To account all transactions, they are registered in electronic registers since the program maintains strict control over financial resources, drawing up special forms that list the transactions, which were performed during the reporting period with detailed details for each of them, fixing the dates, grounds, counterparties, and the number of persons responsible for the operation.

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You can download the demo version for free. And work in the program for two weeks. Some information has already been included there for clarity.

Who is the translator?

Saving resources, the most important of which are time and finances, is the task of the program, therefore, it simplifies all procedures as much as possible and, thereby, speeds them up, leaving the staff with only one responsibility - data entry, primary and current. To record the information received from users, its reliability and efficiency, individual electronic journals are provided, in which the staff posts messages about their actions performed in the performance of duties. Based on this information, the automated system recalculates indicators that characterize the current state of work processes. Based on the updated indicators, management decisions are made to continue work in the same mode or to correct any process if the deviation of the actual indicator from the planned one is large enough. Therefore, the operational work of the personnel is important, which is assessed by the accounting system when calculating piecework wages to users at the end of the reporting period.

The program itself calculates a monthly remuneration of every worker, considering the quality of information posted in the work logs, so the staff is interested in the timely addition of data and their reliability. Control over the information coming from users is carried out by the management and the system itself, duplicating these functions, since they have different methods of assessment, thus complementing each other. The management checks personnel logs for compliance with the current state of the workflow, for which they use the audit function, which shows exactly what information was added to the system since the last check and, thereby, accelerates it. The credit operations accounting system maintains control over the indicators, establishing subordination between them, which excludes errors.

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Accounting for credit operations