v4.0.

User Manual
1 Getting Started
mangoO Microfinance Management is a software solution for small scale (usually single-branch)
micro-finance institutions. It was first developed for Luweero Diocese SACCO (Savings and Credit
Cooperative) in Luweero, Uganda.
As mangoO is based on web technology, you will need a web browser to use the program. It is
recommended to use Mozilla Firefox, Chrome, or Chromium. Your administrator should have
provided you with an address or link to gain access to mangoO.

On the start page of mangoO, please provide a valid user name and password. In case you do not
possess such login information, please contact your system administrator.

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1.1 Dashboard
After logging in, the system will take you to the dashboard. Depending on the system's basic
settings (see 8.1.1), you will find different types of information.
The Overdue Subscription Fees list will display all customers whose annual subscription has
expired. In order to access a customer's record, click the respective customer number. Depending on
the respective setting (see Fehler: Referenz nicht gefunden), customers might automatically be set
to inactive, if their subscription has expired.
The Defaulted Loan Instalments table shows all currently defaulted loan instalments. In order to
access the loan's record, click the respective loan number. Depending on the respective setting (see
8.2.5), defaulters might automatically be charged a predefined default fine which will be deducted
from their savings accounts.
The different statistics widgets present a momentary snapshot of the institution's business situation.
The options in the upper menu bar give you quick access to the most frequently used functions.
Search Customers accesses the customer search form (see 2.1), Search Loan the loan search
form (see 4.1), and New Customer allows you to create a new customer record (see 2.2).

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2 Customers
Under Customers you will find all tools for managing customer records.

2.1 Customer Search

The customer search form allows you to search the database for customers depending on a variety
of search criteria.

The input fields allow for searches by customer details such as the customer's number or part of it,
name or name part, occupation or part of it, address or address part. As such details are, by nature,
ambiguous, the search will take you to a result page. The result list can be exported by clicking
Export .

Depending on your system settings (see 8.1.2), an additional form will show above the Detailed
Search section. This Quick Search by ID allow to search customers by their unique internal ID.
mangoO will search for any customer on the database whose details match all specified search
criteria. For example, a search for occupation teacher and address Luweero will yield a list of all
customers who work as teachers and reside within Luweero. Customers who are teachers but reside
in other places will not be included in the result.
The search is case-insensitive and works regardless of the search term's position within the
respective data field. For example, a search for the name string shu will yield Shumate as well as
Joshua. If a given search criteria does not match with any details in the database, the search result
list will remain empty.

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In order to access a customer's record from the search result page, click the respective customer's
number.

2.2 New Customer Record

This page allows you to enter a new customer record into the database.

Customer numbers are automatically generated and assigned by the system and cannot be altered by

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the user.
The fields for name, date of birth, place of residence, and phone number are compulsory to fill. In
addition, mangoO will perform consistency checks on entered phone numbers and email addresses.
The system will automatically assume the current date to be the date when the new customer
registered with the institution. In case the customer joined at an earlier date, you may adjust the
value of Member since accordingly. Please note that throughout mangoO, all dates must be given
in the format DD.MM.YYYY (for example 03.01.2016).
New customers are by definition considered to be active. Thus, the activity status cannot be
changed on registration. Finally, a receipt number for the entrance fee must be specified.
On clicking Continue , the new record will be written to the database. In a next step, mangoO will
allow you to upload a picture of the respective customer. Permissive file formats are JPG, JPEG,
PNG, TIF, and TIFF. In case you do not wish to upload a picture, choose Skip .

2.3 Predefined Lists of Customers

In addition to the search function, mangoO offers two predefined lists of customers by status.

2.3.1 List of Active Customers

The short link Active Customers will show a list of all customers whose status is currently set to
Active. You may access a particular record by clicking the respective customer number.
Clicking Export above the list will generate an XLS file which can then be altered, printed, sent,
or otherwise used outside mangoO.

2.3.2 List of Inactive Customers

The short link Inactive Customers will show a list of all customers whose status is currently
inactive. You may access a particular record by clicking the respective customer number.
Clicking Export above the list will generate an XLS file which can then be altered, printed, sent,
or otherwise used outside mangoO.

2.4 Customer Details Page

When retrieving a customer's record, either through searching or through selection from one of the
lists, mangoO displays all information on the respective customer on a comprehensive details page.

2.4.1 Basic Customer Data

The data fields on the left-hand side show the customer's basic data. They can be changed any time
by overwriting the respective field and clicking Save Changes .

Every data update will be logged by the system and displayed in Updated on / by. Due to the

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nature of the information, the data in Member since, Subscription paid until, and Updated on /
by cannot be changed manually.

2.4.1.1 Customer's Photo

In case a photo has been uploaded for the respective customer (see 2.2), his/her picture will show on
the left side of the details page. Clicking it allows to upload a new photograph for the respective
user. If no photo has been uploaded so far, a place-holder picture will be shown. Click it to upload a
new photograph for the respective customer.

2.4.2 Membership Renewal

In case the annual subscription check is enabled (see 8.1) and the customer's subscription has
expired, a warning message will appear and mangoO will automatically show a renewal form below
the customer's basic data.
By default, the system assumes the current date to be the date of membership renewal. Should the
customer have renewed his membership earlier, please adjust the date accordingly. You must then
specify a receipt number and choose whether or not the subscription fee should be deducted from
the customer's savings account. Clicking Renew Membership will renew the customer's
subscription for one year and automatically set his status to active.

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2.4.3 Accounts' Details
The right-hand section provides you with a summary of the customer's accounts. For the sake of
space, the savings account table will show the five most recent transactions only. You may access a
complete list of all transactions on the savings account by clicking Savings Account in the table
header. The shared column for Receipt / Slip numbers indicates the nature of a given number by a
preceding R for receipts and a preceding S for withdrawal slips. (See 3.2 for further details on the
savings account.)
The loans account table shows all past and recent loans. You can access the details of a particular
loan by clicking on the loan number. (See 4 for further details on the loans account.)
Lastly, the share account table gives a summary on the currently owned number of shares and the
combined value of these shares. Clicking on Share Account in the table header will take you to
the share account with a complete list of all transactions. (See 3.1 for further details.)

2.4.4 Additional Options in the Menu Bar

When viewing customer details, the menu bar above provides you with a number of different
options regarding that respective customer.

The options Deposit and Withdrawal will both take you to the customer's savings account where
you may perform either operation (see 3.2).
The Share Buy and Share Sale options will take you to the customer's share account where you
may add, transfer, or sell shares (see 3.1 for more information on shares).
The New Loan option allows you to create a new loan application for the customer (see 4.4).

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3 Account Types
By default, mangoO keeps three different accounts for each customer: Share Account, Savings
Account, and Loans Account.

3.1 Share Account

You may access a customer's share account either by clicking Share Account in the table header
on the customer's details page, or through the Share Buy or Share Sale option in the menu bar
above the customer's basic information.

3.1.1 Retrieving account information

The share account page is divided into two sections. The right-hand side will provide you with a
comprehensive list of all transactions on the customer's share account. Clicking the Delete-icon
allows authorised users (see 8.5) to delete the respective transaction after entering a security
captcha.
Clicking Export will generate an XLS file containing the complete history of transactions on this
account.

3.1.2 Share Buys

Under Share Buy, the left-hand side allows you to add more shares to a customer's account.
The system will assume the current date to be the date of share acquisition. In case the customer
bought his additional shares at an earlier date, please adjust the date accordingly. Specifying a

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receipt number for the transaction is compulsory. The drop-down field Number of Shares allows
you to choose the number of shares bought by the customer. The system will automatically calculate
the amount due, based on the current price for one share. (The share value can be edited by
authorised users only. See 8 for more details.)

3.1.3 Transfer of shares

In case a customer wishes to terminate his membership with your financial institution, you may use
Transfer to transfer shares from another customer to the currently displayed account. In order
to do that, please choose from the drop-down field the customer who is ending his membership and
click Transfer Shares . The currently displayed customer will then be credited with all the
shares previously owned by the leaving customer. The share account of the leaving customer will be
set to zero and his membership will be deactivated.

3.1.4 Share Sales

Under Share Sale, the customer can sell shares back to the issuing financial institution.
The system will assume the current date to be the date of share sale. In case the customer sold his
shares at an earlier date, please adjust the date accordingly. Specifying a receipt number for the
transaction is compulsory. The drop-down field Number of Shares allows you to choose the number
of shares sold by the customer. The system will automatically calculate the value, based on the
current price for one share. (The share value can be edited by authorised users only. See 8 for more
details.)

3.2 Savings Account

You may access a customer's savings account by either clicking Savings Account in the table header
on the customer's details page, or through either the Deposit or the Withdrawal option in the menu
bar above the customer's basic information.

3.2.1 Retrieving account information

The savings account page is divided into two sections. The right-hand side will provide you with a
comprehensive list of all transactions on the customer's savings account. Clicking the Delete-icon
allows authorised users (see 8.5) to delete the respective transaction after entering a security
captcha.
Clicking Export will generate an XLS file containing the complete history of transactions on this
savings account.

3.2.2 Deposits
Depending on the option you chose, the form on the left-hand side allows you to conduct deposits
on the customer's savings account. The system will assume the current date to be the date of the
transaction. In case the customer deposited at an earlier date, please adjust the date accordingly.

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Specifying the amount and a receipt number for the transaction is compulsory.
In case a person other than the account holder deposited money, you may enter the name of the
depositor.
If the Fixed-term Savings option is enabled (see 8.1.4), you may furthermore enter the date until
which the respective deposit is fixed. In order to pay interest on a deposit, change the transaction
type to Savings Interest. In this case, the amount will be included as an expense in the expense
report.

3.2.3 Withdrawals
Depending on the option you chose, the form on the left-hand side allows you to conduct
withdrawals from the customer's savings account. The system will assume the current date to be the
date of the transaction. In case the customer withdrew at an earlier date, please adjust the date
accordingly. Specifying the amount, a withdrawal slip number, as well as a receipt number for the
transaction is compulsory.
The bottom-most check-box allows you to have the withdrawal fee deducted from the savings
account. In this case, the charged fee will appear as a separate transaction on the account, showing
the same date, receipt, and slip number as the original withdrawal itself.
mangoO will automatically insert the specified withdrawal fee into the incomes record in the
accounting section. (The amount of the fee, however, can be changed by authorised users only. See
8.3.3 for more information.)

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3.3 Loans Account
As the Loans Account is the most complex of all account types, the topic of loans is covered in a
separate chapter. Refer to chapter 4 for more information.

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4 Loans
There are two ways of accessing a particular loan. One is to retrieve the details of the respective
borrower. In the section displaying a customer's accounts, the loans table will show all past and
recent loans. You can access the details of a particular loan by clicking on the loan number. (See
also 2.4.3.)
Alternatively, you may search for a particular loan number straight away. Selecting the Loans tabs
will take you to a search form for loans.

4.1 Loan Search

The upper input field is used to search for loans by number. Enter the loan number (or part of it)
into the input field and click Search . The search result list will show all loans whose numbers
match with the specified search term. You may access a particular record by clicking on the
respective loan number. If a given number does not exist in the database, the search result list will
be empty.

The lower input field allows for searches by status. Select a particular status from the list and click
Search . The mangoO system will provide you with a search result list including all loans that have
the respective status. You may access a particular record by clicking on the respective loan number.

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4.2 Predefined Lists for Loans
In addition, mangoO offers two predefined lists of loans by status.

4.2.1 List of Active Loans

The short link Active Loans will show a list of all loans whose status is currently set to active. You
may access a particular record by clicking on the respective loan number.
Clicking Export will generate an XLS file which can then be altered, printed, sent, or otherwise
used outside mangoO.

4.2.2 List of Pending Loans

The short link Pending Loans will show a list of all loans whose status is currently set to pending.
You may access a particular record by clicking on the respective loan number.
Clicking Export will generate an XLS file which can then be altered, printed, sent, or otherwise
used outside mangoO.

4.3 Loan Details Page

After accessing a particular loan, either through searching or through the account of the borrowing
customer, mangoO will provide you with a comprehensive overview of all details concerning the
respective loan.

4.3.1 Basic Loan Data

The left-hand section of the page presents all basic data about the loan. Apart from the status, none
of this information can be changed manually.

4.3.1.1 Security Documents

In case a document or photograph was attached to one or both securities while entering the loan (see
4.4), the respective securities are follow by an eye symbol. Attached files can be accessed by
clicking on the respective security.
If no document has been attached, securities are followed by an upload symbol. To later attach a
relevant document, click on the respective security (see 4.4.1).

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After entering a new loan (see 4.4) into the system, mangoO will automatically have set the status
of that loan to Pending. Such a loan is registered because it was applied for by one of the
institution's customers. However, a pending loan has not yet been approved, let alone issued.

4.3.1.2 Rejecting a Pending Loan

On pending loans, the only option is to update the status of that loan. In case a loan application has
been rejected, the loan status must be set to Refused and Update Status must be clicked. Please
note that even rejected loans will remain on the system for later reference.

4.3.1.3 Approving a Pending Loan

In case a loan application has been approved, the loan status must be set to Approved. The date of
issuing must be specified in the DD.MM.YYYY format.
The system assumes that the approved principal will be equal to the applied principal amount. In
order to disburse an amount different from the original applied principal, adjust the amount in the
Principal approved field.
On clicking Update Status , the system will prompt you to specify the receipt number for the
loan fee (and any additional fee you might have specified. See 8.3.4).
When a loan is approved, mangoO will generate a list of expected loan repayment transactions on
the right-hand side of the page (see 4.3.2). Please note that due dates are calculated based on the
date of issuing and that 31 days are allowed between payment dates.

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4.3.2 Loan Payment Transactions Data

The right-hand section of the page presents data about loan payment transactions. While a loan is
still pending, this section will be empty. On approval, the system will automatically have generated
a list of expected loan repayment transactions (see 4.3.1.3). Please note that due dates are calculated
based on the date of issuing and that 31 days are allowed between payment dates.

4.3.2.1 Making a Repayment

In case of a repayment, please enter the date (by default the current date is assumed), the receipt
number, and the total amount paid by the customer. Please also indicate whether the amount
should be deducted from the customer's savings account.
The system will automatically divide the amount paid based on the idea, that the due interest for the
month is always served first. This results in the following rules:
• In case the customers brings less than the due interest, the entire amount will be used to
cover interest only.
• In case the customer brings more than the due interest but less than the total expected
monthly rate (interest plus principal), interest will be cleared first and the remaining amount
will be used on principal.
• In case the customers brings more than the total expected monthly rate, any excess money
will be used to clear principal.
• In case a customer brings more than the total outstanding balance on both interest and
principal, both positions will be cleared and excess money will be deposited on the
customer's savings account.
Any payment of interest will reflect on the incomes side in the accounting section (see 6.2).

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4.3.2.2 Error Correction
The mangoO system allows the user to revert loan payment transactions. Clicking the delete-icon
allows authorised users (see 8.5) to delete the respective transaction after entering a security
captcha. This is a safety feature to assure the wilful execution of the delete command.

4.3.2.3 Defaulted Payments and Default Fines

In the Loan Payment Transactions list, due dates which lie in the past and have not been met, are
indicated in red. In this case, the system will show a blue box below the payment section which
allows you to charge a default fine. To do so, please enter the date (by default the current date is
assumed), the receipt number, and the total amount charged as fine. You must also indicate
whether the amount should be deducted from the customer's savings account. Kindly note that this
is the default setting!

Any payment of a default fine will reflect on the incomes side in the accounting section (see 6.2).
Please be aware that mangoO will always assume a default fine to apply to all outstanding
transactions. Therefore, all currently defaulted payments will be marked as Fined.

4.3.2.4 Export Loan Statement

Clicking Export will generate an XLS file containing the complete history of transactions on this
particular loan.

4.4 Entering a New Loan

In order to enter a new loan application, you first have to open the dataset of the customer (see 2.1)

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who wishes to apply for the loan. Provided the customer's membership status is Active, you will
find an option in the upper menu bar called New Loan . Clicking it will allow you to fill a new
loan application for that customer.

In order to enter a new loan application in the system, fill all compulsory fields. As soon as the
information on principal, loan period, and interest rate is entered, mangoO will calculate the
monthly repayment rate, the total repay amount, and the applicable loan fee.
By definition, guarantors can only be active members of the institution and must be selected from
the lists.
On completion, please click Continue .

4.4.1 Uploading Security Documents

The next page allows you to upload documents that further describe the specified securities.
Depending on the number of securities, mangoO will offer you one or two option for uploading.
You may want to attach photos, scans, or other documents related to the securities. Those
documents will later be accessible through the loan's details page (see 4.3.1).

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In order to attach any document to a security, click Choose File , navigate to the location of the
file on your computer, and select it for upload. The system will only allow you to choose PDF, JPG,
JPEG, PNG, TIF, TIFF, DOC, DOCX, XLS, XLSX, ODT, ODS and TXT files.
Clicking Upload will upload all selected files to mangoO.

Should you not wish to attach documents to any of the securities, click Skip .

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5 Employees
This part of mangoO allows to manage all employees of the microfinance institution. Clicking
Employees takes you to a list of all currently employed workers.

The table lists all workers who have either no end date set or the specified end date still lies in the
future.
On clicking Former Employees, the system will generate a list of all employees, whose end of
employment date lies in the past.

5.1 Employee Details Page

On both lists, you may select any employee by clicking the employee number. This will take you
the respective employee's details page. Here you may alter the employee's personal details, such as
number, names, contact details, salary, and others.

5.1.1 Employee Picture

In order to upload a new picture of an employee, click the existing picture or the place-holder.

5.1.2 Linking Employee and mangoO System User

The button User will take you to the user settings page (see 8.4.4). If the respective employee was
already linked to a mangoO system user, that user will be loaded into the edit fields. Otherwise, you
may create a new user and link the employee to this new user record.

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5.2 New Employee Record
In order to create a new employee record, simply click New Employee. The following form will
allow to enter all details of the new worker.

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On clicking Continue , the new record will be written to the database. In a next step, mangoO will
allow you to upload a picture of the respective employee. Permissive file formats are JPG, JPEG,
PNG, TIF, and TIFF. In case you do not wish to upload a picture, choose Skip .

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6 Accounting
mangoO Microfinance Management can also be used for internal accounting purposes. Under
Accounting you will find three options Expenses, Incomes and Annual Accounts.

6.1 Expenses
Use this option to record all expenses of your micro-finance institution.

In order to record a new expense, enter all necessary information. Amount, recipient and payment
voucher number are compulsory to include. Make sure to also choose an appropriate expenditure
type from the list. (Expenditure types can be edited or amended by system administrators only.)
In order to enter the information into the system, click New Entry .

On the right-hand side, mangoO shows a list of all expenditures for past 60 days. Any further
representation of accounting data is limited to the Reports section (see 7).
Clicking the delete-icon allows authorised users (see 8.5) to delete the respective transaction after
entering a security captcha.

6.2 Incomes
WARNING: Under normal circumstances, this option is rarely ever needed! The mangoO
system is designed to record all incomes automatically whenever they are generated from the
institution's business. This means that payable fees, payments of interest, and other forms of

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income are captured automatically as they happen. However, instances might occur in which
the manual recording of an income is inevitable. In this case, use this option to record such an
income. Make sure this remains an exceptional incident!
In order to manually record a new income, enter all necessary information. Amount and receipt
number are compulsory to include. Make sure to also choose an appropriate income type from the
list. (Please note that income types can be edited or amended by system administrators only.)
In order to enter the information into the system, click New Entry .

On the right-hand side, mangoO shows a list of all incomes of the past 60 days. Further
representation of accounting data is limited to the Reports section (see 7).
Clicking the delete-icon allows authorised users (see 8.5) to delete the respective transaction after
entering a security captcha. Not all income types can be deleted from this list. Some, like
Withdrawal fees, must be deleted by deleting the transaction that triggered this income.

6.3 Annual Accounts

This option is used to close a financial year and payout an annual share dividend and an annual
savings interest to customers.

6.3.1 Annual Share Dividend

You may either enter a dividend per share or the grant total amount of your annual dividend.
In either case, mangoO calculates the proportion of dividend to which a customer is entitled based

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on the length of time the customer was holding his / her shares during the given year.
If the dividend was given on a per share basis, mangoO will credit every customer's savings
account with a proportionate amount.
If the specified dividend was grand total, mangoO will first divide this amount by the number of
eligible shares to calculate the dividend per share. Then, all eligible savings accounts will be
credited with a proportionate amount. Please note that due to rounding differences the distributed
total might not entirely add up to exactly match the initially entered grand total amount.

6.3.2 Annual Savings Interest

To distribute the annual savings interest to your customers, enter the respective year and interest
rate as percentage.
mangoO calculates the amount of interest to which a customer is entitled based on his / her average
savings balance for the given year.
Please note that only active customers are granted interest.

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7 Reports
Reporting is used to evaluate the institution's business activities. As this would typically be the
work of management staff only, access to these reports is restricted to certain user accounts.
mangoO offers four different types of individual reports (Income Report, Expense Report, Loans
Report, and Capital Report) plus two summarizing report types (Monthly and Annual Report). In
order to generate a report, choose a type, select a time period and the desired format in the light-
blue menu bar, and click Select Report .

By default, mangoO offers to generate reports for the previous month of the current year.
Clicking Export above the list will generate an XLS file which can then be altered, printed, sent,
or otherwise used outside mangoO.
Further types of reports can be programmed by your system administrator or supplier.

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8 Settings
Please note that access to the system settings page is limited to users with the respective permission.

8.1 Basic Settings

The Basic Settings page shows several options concerning to system in general.

8.1.1 System-wide settings

Using Dashboard Left and Dashboard Right, the two halves of the user dashboard on the start page
(see 1.1) can be configured.
In case the auto-deactivation of unsubscribed customer accounts is activated (see 8.1.5), the left side
of the dashboard will automatically be set to Overdue Subscriptions.
In case auto-fining for defaulted loan instalments is activated (see 8.2.5), the right side of the
dashboard will automatically be set to Defaulted Loan Instalments.
The system-wide Currency Abbreviation will be used in tables and input fields across mangoO.

8.1.2 Customer Search Settings

If Customer Search by ID is switched on, an additional Quick Search form will show at customer
search. This allows to search for customers by their unique system ID. Use this option if customers
are know by their IDs. Setting this option to off will hide the quick search form.

8.1.3 Number Settings

Under Customer Number Format a pattern for new customer number must be defined. The
following variables are predefined in mangoO:
N - Incremental number
D - Day of membership begin
M - Month of membership begin
Y - Year of membership begin
All variables must be preceded by a leading percentage symbol (%).
Apart from the variables, you may also include any other character string. Any string that is
preceded by a leading percentage symbol will show in the new customer number. For example, with
the Customer Number Format setting:
%Y%-%Cust_%N
mangoO will produce the following customer number for the 101st customer:
2016-Cust_101

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Employee Number Format works accordingly for employee numbers. The same variables apply.

8.1.4 Savings Related Settings

Setting a Minimum Savings Balance will prevent withdrawals that would reduce a customer's
savings account to a balance below the specified amount. Setting this option to zero would allow
customers to entirely empty their savings account.
Fixed-term Savings Deposits can be toggled on and off using the buttons. When activated, you can
define a fixed term for any savings deposit (see 3.2.2).

8.1.5 Auto-Deactivation of Unrenewed Customer Accounts

If the auto-deactivation option for customer accounts is enabled, all customers who have delayed
the renewal of their annual subscription will automatically be set to inactive after the specified
grace period (in months). Leaving this field empty will disable auto-deactivation.
Please note that as long as this feature is enabled, the left side of the dashboard will automatically
be set to Overdue Subscriptions (see 8.1.1).

8.2 Loan Settings

8.2.1 Interest Calculation Method

mangoO supports two different methods of loan interest calculation.
The fixed method calculates the payable interest per month based on the loan's initial principal
amount. This results in a fixed interest amount per month.

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The floating method calculates the payable interest per month based on the remaining principal
balance for the respective loan. This results in a reducing interest amount per month. On each loan
payment, the remaining principal and interest is recalculated and updated.

8.2.2 Loan Interest Rate

The Loan Interest Rate is the percentage charged by default as interest on customer loans. Please
note that this default rate can be individually adjusted for every loan application (see 4.4).

8.2.3 Minimum Length of Membership

The Minimum Length of Membership option specifies the required duration of membership before a
customer is eligible to apply for a loan. Leaving the field empty will deactivate this feature.

8.2.4 Limits on Loan Principal Amount

The values entered in Minimum Loan Principal, Maximum Loan Principal, and Maximum Principal
/ Savings Ratio set the limits for any loan application.
Minimum Loan Principal and Maximum Loan Principal are fixed amounts, while Maximum
Principal / Savings Ratio must be specified as a percentage. For example, a value of 500% will
allow any customer to apply for five times the amount of his current savings balance.
In case both Maximum Loan Principal and Maximum Principal / Savings Ratio are set, mangoO
will use the smaller of the two amounts to limit the loan principal for any customer.
Leaving any of the fields empty will deactivate the corresponding feature.

8.2.5 Auto-Fining Loan Defaulters

If the auto-fine option for defaulters is selected (see 1.1), loan default fines will automatically be
charged and deducted from the defaulter's savings account after a delay that exceeds the specified
grace period (in days). Please note, however, that using this option will allow savings accounts to
drop to a balance below zero.
Leaving the field empty will deactivate this feature.
Please also note that as long as this feature is enabled, the right side of the dashboard will
automatically be set to Defaulted Loan Instalments (see 8.1.1).

8.2.6 Limit of Guarantees

Use this option to limit the number of active loans any customer can guarantee for at a time.
Leaving the field empty will deactivate this feature.

8.2.7 Additional Field for Loans

Here you may specify the name of an extra input field for loans. Use this if you require to record
additional information related to loans. Leaving this option empty will deactivate the additional
input field for loans.

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8.3 Fees & Charges
This section allows to adjust all fees and charges charged by your institution. All these fees are
charged automatically by mangoO as they apply.

8.3.1 Share Value

The current Value of Shares will be used when customers purchase additional shares. mangoO
maintains records of all changes in share values.

8.3.2 Membership related Fees

Entrance Fee and Stationary Sales are charged when new members join the financial institution.
Annual Subscription Fee is charged every 12 months to renew a customer's membership. As this fee
is not charged automatically, manual renewal of membership is required for every customer (see
2.4.2). Setting this fee to zero will deactivate all features related to annual subscription.

8.3.3 Operational Fees

Withdrawal Fee is charged when customers withdraw money from their savings accounts.

8.3.4 Loan related Fees

Loan Application Fee, is charged when a customer applies for a new loan.
Loan Fee (%) is charged when a loan is set to 'Approved' for the first time.
Loan Insurance (%) is charged when a loan is set to 'Approved' for the first time. Set this fee to '0' if
your institution does not charge insurance.
Loan Default Fine specifies the amount that will automatically be charged by mangoO if the Auto-
fining option has been enabled (see 8.2.5).
Additional Fee on Loans allows for charging another customised loan related fee. Use this you a
require to charge another fee related to loans. Enter the fee's name into the first and the fee's value
into the second input field. The fee will be charged on loan disbursement.

8.4 Users
On this page, existing users can be edited as well as new ones added to mangoO.

8.4.1 New User Record

In order to create a new mangoO user, fill the fields on the left-hand side of the page. Remember
that each user must be assigned to a user group (see 8.5).

8.4.2 Edit Existing User

In order to edit an existing user, click the Edit-symbol next to the user's record in the right-hand
section of the page. Whenever you edit an existing user, make sure to also re-type the password,

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even when it did not change.
Please note that the primary user cannot be assigned to a user group other than Administrator, since
mangoO requires at least one user with administrator rights.

8.4.3 Passwords
Passwords need to be at least six characters long.

8.4.4 Linking an Employee to a User Account

If the user is also registered as an employee of your institution (see 5), you may link the employee
record to the user by selecting a name from the employees' list. Every employee can be linked to
exactly one user account. (Also see 5.1.2)

8.5 Usergroups
The permissions management of mangoO is based on user groups. On this page, existing usergroups
can be edited as well as new ones added to mangoO.

8.5.1 New Usergroup

In order to create a new usergroup, fill the fields on the left-hand side of the page. Choose the
appropriate permissions for each group by using the checkboxes.

8.5.2 Edit Existing Usergroup

In order to edit an existing usergroup, click the Edit-symbol next to the usergroup's record in the
right-hand section of the page. Remember that when changing permissions for a usergroup, all users
in this group will be hold these new permissions.

8.5.3 Deleting Usergroups

To delete a usergroup, click the Delete-symbol next to the usergroup's record. Please note that a
usergroup cannot be deleted while it still has members.

8.5.4 Administrator Usergroup

Please note that the primary usergroup Administrator can neither be changed nor deleted.

8.6 Log Records

The list under Log Records allows to monitor login and log off activities of all mangoO users. In
case a user forgot to log out from the system and his session was forcibly ended, the log-off time
will show in red. Such a user will see a logout reminder message the next time he or she logs in to
mangoO.

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