> ## Documentation Index
> Fetch the complete documentation index at: https://help.agatabo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Loan Analytics

> Monitor portfolio health, arrears, and loan performance metrics

## Overview

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

## Accessing Analytics

<Steps>
  <Step title="Navigate to Loans">
    Click Loans in sidebar
  </Step>

  <Step title="Click Analytics">
    Opens loan analytics dashboard
  </Step>
</Steps>

## Key Metrics

The analytics page displays comprehensive loan portfolio metrics:

### 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

### 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

### 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)

### 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

## Visualizations

### 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

### 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

### 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

### 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.

### 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

## Filtering Analytics

### 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

<Note>
  **Note**: Only date range filtering is available. You cannot filter by loan status or arrears status in the analytics view.
</Note>

## Common Insights

<AccordionGroup>
  <Accordion title="High arrears rate">
    **If arrears rate > 10%**:

    * Review loan approval criteria
    * Strengthen credit assessment
    * Improve collections process
    * Focus on top delinquent loans first
    * Consider mandatory savings requirement
  </Accordion>

  <Accordion title="Portfolio shrinking">
    **If outstanding decreasing**:

    * Are members repaying faster than new loans?
    * Low demand for loans?
    * Too restrictive lending criteria?
    * Consider marketing or incentives
  </Accordion>

  <Accordion title="Concentration risk">
    **If few borrowers have most of portfolio**:

    * Diversify lending
    * Cap maximum loan per member
    * Spread risk across more borrowers
  </Accordion>

  <Accordion title="Low collections rate">
    **If collections rate \< 80%**:

    * Many members not paying on time
    * Strengthen payment reminders
    * Apply penalties consistently
    * Review repayment terms (may be too aggressive)
    * Consider flexible payment schedules
  </Accordion>
</AccordionGroup>

## 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

<Note>
  **Export functionality**: Currently, there is no direct export feature for loan analytics. To share analytics data:

  * Use screenshot tools to capture charts and metrics
  * Manually compile key metrics into reports
  * Use individual loan statements for detailed reporting
</Note>

## Need Help?

<CardGroup cols={2}>
  <Card title="Creating Loans" icon="plus" href="/tontines/loans/creating-loans">
    Add new loans
  </Card>

  <Card title="Viewing Loan Details" icon="file-lines" href="/tontines/loans/viewing-loan-details">
    Individual loan information
  </Card>

  <Card title="Applying Penalties" icon="circle-exclamation" href="/tontines/loans/applying-penalties">
    Handle arrears
  </Card>

  <Card title="Reports Overview" icon="chart-bar" href="/tontines/reports/overview">
    Other financial reports
  </Card>
</CardGroup>