Page Comparison

Results of informal survey across Mifos implementers to capture the following:

1. Top 5 priority 1 gaps with Mifos (these are gaps that would have to be met to close a sale or complete a deployment)
2. Top 5 priority 2 gaps with Mifos (these are more nice to have gaps (i.e. possibly could be handled with workarounds)

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Southeast Asia

Indonesia

Priority 1 Gaps

1. Most MFI in Indonesia use Islamic (sharia) based financial model.
2. More robust Accounting module, especially for banks regarding governance regulation. But for MFI (non bank), this requirement should be in priority 2 as It’s not restricted by regulation.
3. Offline capability. Most of targeted areas are located in remote areas with minimum communication line availability.

Priority 2 Gaps

1. Mobile interface. The budget capability will determine this need. But for now, we still use paper-based form in the fields (center meeting place).
2. HR integration. This is also depend on the size of the MFI, as for the big one it will surely come to this issue.
3. Data upload interface, ie: From excel file
4. Easier modification of Client and loan details. For regulatory purpose, we often need these fields to be modified.
5. Client prospect and analysis. A certain tool to score future client, such as Cashpor Index and the analysis tool for monitoring purpose.

Philippines

Priority 1 Gaps

1. Accounting module
2. Offline module
3. Daily interest computation
4. Flexible reporting module  (mostly answered already with the Jasper BI integration)
5. API for 3rd party collection entry  application  (mobile devices)

Priority 2 Gaps

1. Voucher printing integration
2. Check printing integration
3. Micro-insurance product integration
4. Summary view of client list (dynamic search)

Cambodia

From Specialist, Anakut and other MFIs

• Integration with accounting
• Offline support
• Multi-currency support

South Asia

India

From Adhikar

1. Rescheduling of Loans
2. More Management Reports
3. Data Back Up System
4. Functionality to clean up error data
5. Offline Module of Mifos

Nepal

From Magnus Consulting

Priority 1 Gaps

1. Accounting function that would also do annual account closure;
2. Customized reporting that meets Nepal Rastra Bank’s (state’s supervisory bank) requirements;
3. Customized reporting that meets each MFI’s internal needs (which may differ from NRB’s requirements, for example head quarter wishes to view reports of branches and centers differently than what NRB requires);
4. Hosting service as MFIs themselves unlikely to invest in the resource/expertise; and
5. Guarantee of Local support.

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