Introduction to BiiTrust

Welcome to BiiTrust, the core banking and operations platform designed for modern microfinance. Whether you work in a field branch, at a teller counter, in credit risk, or at executive headquarters, this guide will help you navigate your day-to-day responsibilities with speed and confidence.

The Big Picture: How BiiTrust Works

At its heart, BiiTrust coordinates the complete lending lifecycle while keeping books balanced and compliant with regulatory standards:

┌──────────────┐     ┌──────────────┐     ┌──────────────┐     ┌──────────────┐
│  1. Client   │ ──► │   2. Loan    │ ──► │  3. Approval │ ──► │ 4. Disburse  │
│ Registration │     │ Origination  │     │    Chain     │     │ & Schedule   │
└──────────────┘     └──────────────┘     └──────────────┘     └──────────────┘
                                                                       │
┌──────────────┐     ┌──────────────┐     ┌──────────────┐             │
│ 7. Portfolio │ ◄── │  6. General  │ ◄── │ 5. Repayment │ ◄───────────┘
│  & Closure   │     │    Ledger    │     │ & Collection │
└──────────────┘     └──────────────┘     └──────────────┘

1. Client Registration: Onboard borrowers in the field or branch, capturing bio-data, government identification, photos, next-of-kin, and initial KYC documents.
2. Loan Origination: Choose a loan product, enter principal and tenor, review instant schedule previews, and attach proof of repayment capacity alongside pledged collateral.
3. Approval Chain: The application moves through a structured, multi-tier committee (Loan Officer submit → Branch Manager review → Executive Director sanction) gated by amount limits and four-eyes separation.
4. Disbursement: Funds are released to the client via M-Pesa B2C or bank transfer, instantly establishing an official installment schedule and double-entry accounting records.
5. Repayment & Collection: Cashiers take over-the-counter payments, field officers post group collection sheets, and clients pay directly via M-Pesa Paybill or automated phone prompts (STK).
6. General Ledger: Every coin in and out is automatically posted to double-entry ledger accounts, maintaining flawless audit trails and real-time trial balances.
7. Portfolio & Governance: Monitor days past due (DPD), portfolio at risk (PAR), provisions, and performance across every branch.

Navigating the Interface

BiiTrust adapts cleanly to whether you are working at a desktop computer in an office or using a smartphone in the field.

Desktop Navigation (> 700px)

On laptops and desktop screens, the left sidebar remains fixed:

• Header: BiiTrust logo and your assigned branch.
• Main Links: Instant access to your role’s primary screens: Home, Clients, Loans, Payments.
• Collapsible Sections: Expandable menus for Lending, Accounting, Documents, Messaging, and Settings.
• Badge Indicators: Count pills show pending work (such as 12 waiting in the approval queue or 5 expiring documents).

Mobile Floating Dock (≤ 700px)

On mobile phones, BiiTrust switches to a streamlined floating dock pinned to the bottom of the screen:

• Five Primary Slots: Four circular buttons for your top everyday screens plus one distinctive center pill.
• Center Search Pill: The wide stadium-shaped button in the middle is always Search. Tap it anytime to look up any client, loan, receipt, or screen.
• The More Screen: The fifth slot opens a clean directory of all accessible modules, letting you jump to secondary features, switch themes, or sign out.
• Automatic Dock Hiding: Whenever you enter a multi-step flow (such as registering a client or paying out a loan), the dock automatically steps aside to give full vertical space to form controls, replacing itself with sticky Back and Continue action buttons.

Visual Conventions

BiiTrust uses intuitive color codes and formatting so you can understand status at a glance:

Key Tips for Beginners

1. You Cannot Lose Your Drafts: When entering client registrations or loan applications, form details are kept in your browser’s local memory. If your battery dies, connection drops, or you accidentally refresh the browser, your work is restored exactly where you left off.
2. Instant File Uploads: When you select an ID photo, payslip, or title deed, the file is uploaded to the secure vault immediately. You do not need to wait until the final submission button.
3. Clear Audit Records: Every approval, payment reversal, fee waiver, and loan disbursement records your name, role, timestamp, and explanation note in the permanent institution audit trail.
4. Instant Search Anywhere: Press / or Ctrl + K (or Cmd + K on Mac) anywhere in the application to instantly open the search console.