GH Banker.
Developed by a blend of Ghanaian and foreign experts through wide consultation across the financial sector. Built to govern all rules and regulations for microfinance, credit unions, and rural banks.
Total Financial Information.
The modules in GH Banker are independently defined but seamlessly integrated into the Customer Information File (CIF) to provide a 360-degree view of your institution's financial position. It handles everything from loans and savings to placement management and real-time P&L reporting.
Front Office
Handles daily transactions including account opening, deposits, withdrawals, validation of vouchers, and printing of balance enquiry details.
Back Office
Manages customer registration, loan processing, nominal/account transactions batch postings, fixed deposits, and reporting.
Comprehensive Banking Modules.
Loan Management
Operates in three stages: Application, Approval, and Disbursement. Supports Daily, Weekly, Bi-weekly, and Monthly rests. Automates overdue interest in suspense accounts and classifies loans into performing/non-performing.
- Instalment/Bullet Payments
- Guarantor & Security Profiles
- Base Lending Rate Pegging
Accounts & Deposits
Fully managed Savings, Current, Fixed Deposit (FD), and Member Shares accounts. Allows up to 99 joint holders, automated cheque clearing, auto-sweeps, multi-tier overdraft limits, and flexible FD maturity releases.
- Multi-currency Support
- Auto-Computation of Charges
- Dormant Account Extraction
Real-Time Financials
Every single transaction instantly updates the Trial Balance, P&L, General Ledger, and Balance Sheet. Complete Microsoft report generator inbuilt for customized BOG and Credit Union reporting.
- Live Trial Balance & P&L
- Customized BOG Reports
- Cashbook Reconciliation
CIF & Placements
Customer Information File (CIF) captures and encrypts customer data inline with Central Bank requirements. Placement module tracks all funds invested with other financial houses to monitor daily income earnings.
- Encrypted Database
- Placement Partial Liquidation
- Follow-up Diary System
Enterprise
Security.
GH Banker enforces strict Central Bank standards. From encrypted databases to multi-level approvals, your financial data is heavily guarded.
Multi-Level Approvals & Limits
Centralized vetting. Any transaction above defined limits strictly requires superior officer authorization.
Audit Trail & Rollbacks
Electronic audit trails stamp date, time, and user. Auto roll-back features prevent incomplete transactions from mutating the database.
Web-Based & Interoperable
Cloud-hosted scalability across WAN. Easily interfaces with third-party applications like Mobile Money and E-Zwich.
How GH Banker works.
GH Banker Walkthrough
Master Interface & Modules Overview