Financial Management Software for Rwandan Lenders
Loan software that files your BNR returns
Real-time loan tracking and a real double-entry ledger, with BNR and CRB regulatory reporting built in from day one.
TrialNo
Commitment
INEMA Financial Solutions · Live since 2025 · 30+ loans · 3 BNR returns filed
The Problem
Reconciliation shouldn't take days
Most Rwandan microfinance institutions still run their real lending operations through Excel — one broken formula, one dragged-down cell, one #REF! error away from a wrong number in a BNR filing. Reconciling interest accruals, matching payments to loans, and pulling the real figures together for a regulatory return happens by hand, at month-end, under real deadline pressure.
From INEMA Financial Solutions
“Before FenAfrica, closing our books meant days of manually reconciling interest accruals... Now that happens automatically, and what used to take me days takes minutes.”
Everything a modern lender needs, in one place
Built specifically for the real operational and regulatory needs of Rwandan microfinance institutions.
01
Disbursement & repayment
Track every real loan from disbursement through to payoff, with client records, repayment schedules, and portfolio status updated the moment your team records a transaction.
02
Ledger
A full, real double-entry ledger behind every transaction — every disbursement, repayment, and expense posts a genuine, balanced journal entry, not a simplified summary.
03
Regulatory reporting
Generate the reports Rwanda's regulators actually require, directly from your real, live loan data — not a manual export.
- — BNR quarterly return
- — CRB monthly submission
Sample data shown
From disbursement to filed return
One real workflow, start to finish — including the weekly summary that reaches you without logging in.
FenAfrica · +250 78X XXX XXX
Weekly Summary (Sep 15-21): RWF 230,000 collected, 2 new loans, RWF 3.5M outstanding, 1 overdue, RWF 8.4M in bank. Details: fenafrica.com/admin
Illustration
BNR-Q3-2026.xlsx
BNR Quarterly Return
CRB-2026-09.xls
CRB Monthly Submission
weekly-summary.sms
Weekly Business Summary
FenAfrica · +250 78X XXX XXX
Weekly Summary (Sep 15-21): RWF 230,000 collected, 2 new loans, RWF 3.5M outstanding, 1 overdue, RWF 8.4M in bank. Details: fenafrica.com/admin
trial-balance.xlsx
Coming soonJournal Trial Balance
| Account Code | Detail | DR | CR |
|---|---|---|---|
| 1010 | Cash on Hand | 320,000 | |
| 3020 | Bank Accounts | 1,840,000 | |
| 5100 | Loans Receivable | 4,500,000 | |
| 4000 | Interest Income | 660,000 | |
| 3000 | Share Capital & Reserves | 6,000,000 | |
| Totals | 6,660,000 | 6,660,000 | |
Scroll right to see DR / CR →
general-ledger.xlsx
Coming soonGeneral Ledger — 3020 Bank Accounts
| Date | Reference | Debit | Credit | Balance |
|---|---|---|---|---|
| 1 Jul 2026 | Opening Balance | 1,200,000 | ||
| 5 Jul | Loan Disbursement #0041 | 500,000 | 700,000 | |
| 12 Jul | Client Repayment #0041 | 180,000 | 880,000 | |
| 20 Jul | Office Rent Payment | 150,000 | 730,000 | |
| 28 Jul | Client Repayment #0038 | 210,000 | 940,000 | |
| 31 Jul 2026 | Closing Balance | 940,000 |
Scroll right to see Debit / Credit / Balance →
Sample data shown
Why FenAfrica
Built for one real institution, not a demo
Every claim on this page is backed by something real — a screenshot, a name, a number. Here's what that actually means.
Regulatory Depth
Real BNR and CRB line items, shown throughout this page — not just described. Generated directly from your real, live loan data, the same way it works for a real institution today.
Real Customer Evidence
INEMA Financial Solutions. A real name, a real quote, real numbers — 30+ loans, 3 BNR returns filed, live since 2025. Not a composite, not a demo account.
Real Implementation Speed
We went live with INEMA in a single day, not months. We onboard one institution at a time, in full, before moving to the next.
Who We Work With
Before FenAfrica, closing our books meant days of manually reconciling interest accruals and pulling numbers together for our VAT return by hand. Now that happens automatically, and what used to take me days takes minutes — I can actually trust the numbers I'm reporting to BNR and CRB.
Devotha Kubwimana · Managing Director, INEMA Financial Solutions · 30+ loans managed
For Your Auditor
The unglamorous questions procurement actually asks
Real, specific answers — not a badge. Built for Rwanda's regulatory environment specifically, not adapted from a generic template.
RwandaAudit Trail
Platform configuration changes and nightly journal-balance checks are written to an audit log. Database-level immutability is not yet enforced.
Data Retention
A company leaving the platform is never hard-deleted. Every real row of their data is retained and stays exportable, permanently, unless a separate, explicit deletion is requested.
Export Formats
On request, FenAfrica can export your institution’s data as CSV files.
Business Continuity
Real database backups run daily. A separate, automated weekly drill restores the latest one into a scratch database and runs verification queries against it — proving the backup actually works, not just that it ran.
Frequently asked questions
Yes — FenAfrica's regulatory reporting is built for Rwanda's National Bank (BNR) and Credit Reference Bureau (CRB) requirements today, generated directly from your real, live loan data.
Reach out through the Request access button and our team will personally set up your institution's account — every company on FenAfrica is onboarded directly by our team, not through self-service signup.
“Before FenAfrica, closing our books meant days of manually reconciling interest accruals and pulling numbers together for our VAT return by hand. Now that happens automatically, and what used to take me days takes minutes.” — Devotha Kubwimana, Managing Director, INEMA Financial Solutions.
Yes. FenAfrica is multi-tenant by design, with database-level isolation ensuring your loans, clients, and financial data are never visible to another institution on the platform.
Two-factor authentication is mandatory for admins and optional for staff. Login is rate-limited. Each institution's data is separated from every other institution on the platform at the database row level. Backups run daily, with a weekly drill that restores the latest one and verifies it.
FenAfrica is the system of record for your lending operations, not a payment processor. Your team continues disbursing and collecting funds through your own bank or mobile money channels, and records each transaction in FenAfrica against a real double-entry ledger.
Yes — your institution's real data always remains yours. A full export is available on request from FenAfrica.
Ready to modernize your lending operations?
Get in touch and we'll walk you through how FenAfrica can work for your institution.
Request access