Customer Management
Borrower profiles with contacts, national ID, guarantors, photos and notes — all in one secure record.
All-in-one lending platform Run your lending business,
Run your lending business,
from first loan to final payment.
Komjey gives loan providers and lenders a single workspace for customers, loans, payments, collections, reminders, documents and reporting — so you spend less time on spreadsheets and more time growing your portfolio.
8 integrated modules · No spreadsheets · Works on any device
8 Integrated modules
SMS + Telegram Automated reminders
Real-time Portfolio dashboard
Secure Document vault
Everything you need
One platform for the whole loan lifecycle
From onboarding a borrower to closing out the final installment, every step lives in Komjey.
Loan Management
Create loans with principal, interest, term and installments. Status tracks active, paid, overdue or cancelled.
Payment Recording
Log partial, full or over-payments. Remaining balances recalculate instantly with a full payment history.
Dashboard
See total lent, outstanding balance, collected revenue, overdue loans and what is due today at a glance.
Collection Calendar
Plan collections by today, tomorrow, this week or overdue — filter by officer and status, drill into details.
Smart Reminders
Automated SMS and Telegram nudges for due-tomorrow, due-today and overdue payments to lift collection rates.
Document Management
Securely store contracts, ID cards and collateral photos with versioning, audit trails and access control.
Reporting
Total lent, collected, interest earned, overdue and collection performance — exportable to CSV, Excel or PDF.
How it works
Up and running in three steps
- 1
Onboard your customer
Capture borrower details, ID photos, guarantor info and notes — securely stored and searchable.
- 2
Create the loan & schedule
Set principal, interest, term and installment frequency. Komjey tracks due dates and status automatically.
- 3
Track, remind & collect
Record payments, send SMS/Telegram reminders, and work the collection calendar to stay on top of every account.
Frequently asked questions
Everything you need to know
What is Komjey?
Komjey is loan management software designed for loan providers, lenders, microfinance institutions (MFIs) and individual loan officers. It brings customer profiles, loan creation, payment recording, overdue tracking, automated reminders, document storage and reporting into one web-based workspace.
Is Komjey free to use?
Yes — Komjey offers a free plan so you can get started without a credit card. Sign up at app.komjeykh.com and start managing loans immediately.
What types of loans does Komjey support?
Komjey supports any instalment-based loan: microloans, personal loans, business loans, agricultural loans, and group-lending products. You set the principal, interest rate, term and repayment frequency, and Komjey calculates the full schedule automatically.
How does loan payment tracking work?
Each payment is logged against the loan record. Komjey recalculates the outstanding balance in real time, marks overdue accounts automatically, and shows a full payment history with dates and amounts. The collection calendar groups due payments by day so officers know exactly where to focus.
Can Komjey send automatic payment reminders?
Yes. Komjey sends automated SMS and Telegram messages to borrowers the day before a payment is due, on the due date, and when a payment becomes overdue. This significantly reduces missed payments and improves collection rates.
What reports and exports does Komjey provide?
Komjey generates reports on total disbursed, total collected, interest earned, overdue balances and collection performance. All reports can be exported to CSV, Excel or PDF for use in accounting tools or board presentations.
Is borrower data secure in Komjey?
Yes. Komjey stores all borrower data, ID documents and contracts in an encrypted document vault with access control and audit trails. Only authorised users can view or edit sensitive records.
Ready to modernize your lending?
Start managing customers, loans and collections in one place today.