Loan Analytics

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Overview

Loan analytics provide insights into portfolio performance, identify at-risk loans, and track interest income. Use these metrics to manage lending operations effectively.

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Accessing Analytics

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Key Metrics

The analytics page displays comprehensive loan portfolio metrics:

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Overview Stats (4 Cards)

Total Loans: Count of all loans (active, completed, defaulted) Active Loans: Number of currently active loans Portfolio Outstanding: Total outstanding balance across all active loans

• Tracks current exposure
• Compares to available cash

Total Arrears: Sum of all overdue amounts (principal + interest + penalties)

• Indicates collection challenges
• Monitor trend over time

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Portfolio Performance

Total Principal Amount: Sum of all loan principals Total Interest Amount: Sum of all interest amounts Total Collected: Amount collected from payments Collections Rate: Percentage of scheduled amounts collected Arrears Rate: Percentage of portfolio that’s in arrears Average Yearly Interest Rate: Average rate across all loans

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Repayment Behavior

Paid Installments: Number of fully paid installments Partial Installments: Number of partially paid installments Overdue Installments: Number of overdue installments Paid Rate: Percentage of installments paid on time (green indicator) Overdue Rate: Percentage of installments overdue (red indicator)

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Security Coverage

Secured Active Loans: Count of loans with securities Unsecured Active Loans: Count of loans without adequate security Total Secured Value: Total value of all securities Secured Outstanding: Outstanding balance on secured loans Coverage Ratio: Security coverage as percentage

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Visualizations

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Loans Trend Chart

Line chart showing monthly comparison:

• Expected (blue line): Scheduled installment amounts per month
• Collected (green line): Actual payments received per month

Use this to:

• Track collection performance
• Identify seasonal patterns
• Spot months with low collections

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Loan Book Snapshot

Table showing distribution by status:

• Active: Number of loans and total principal (or by classification if enabled)
• Completed: Fully repaid loans
• Defaulted: Loans marked as defaulted

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Top Delinquent Loans

Table showing loans with highest arrears (top 10):

• Loan account number (clickable to view details)
• Outstanding balance
• Arrears amount

Use this to:

• Prioritize collection efforts
• Identify high-risk loans
• Monitor concentration of arrears

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Arrears Aging Buckets

Table showing distribution of arrears (if loan modifications enabled):

• No Arrears: Loans with 0 arrears
• Low: Arrears 1 - 50,000
• Medium: Arrears 50,001 - 200,000
• High: Arrears 200,001+

Shows count and amount for each bucket.

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Recent Loan Activity

Table showing last 10 loan payments:

• User (name, account number - clickable)
• Payment type
• Amount
• Date

Use this to:

• Monitor recent activity
• Verify payments were recorded
• Quick access to recent transactions

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Filtering Analytics

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By Date Range

Filter analytics data by time period: Predefined ranges:

• All (default - shows all-time data)
• Today
• This Week
• This Month
• This Quarter
• This Year

Custom range:

• Select specific start and end dates

What gets filtered:

• Monthly installments
• Monthly collections
• Loan activity within the date range
• Active loans started before the end date are included

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Common Insights

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Using Analytics Data

Quick Actions Available:

• Click on delinquent loan account numbers to view loan details
• Click on user names in recent activity to view user profile
• Use date range filter to analyze specific periods
• Monitor trends over time by changing date ranges

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