The Banker offers a reliable banking system, which enables the banks to reach out a market, a banking solution which is easy to implement yet capable to scale up support rapid growth of client base and expand the range of products and services offered.


The Banker” is a Multi-Currency, Multi-Users, Multi-lingual, Multi-Database software for Microfinance, Co-operatives, GRAMEEN, Federations and Village Banking.


Let Senova help you to get your Accounting and Banking software right first time and every time!

Whether your company is a small or blue chip company Senova has built the right solution for your Accounting and Finance, Inventory Control, Sales – Billing and Purchasing, Banking – Cheque handling. We give you the right solution to manage your business.

A total solution which suits your requirements, need not re schedule your business process but we do the customization at no cost. We guarantee a growth in your business at a short time period.

The Banker is a fully integrated software developed based on member concept which provides Client Information, Savings, Shares, Loans and General Ledger Accounting modules and Perfect management information system software developed for the Microfinance Industry.

Key Features

  1. Multilingual software package
  2. User Friendly.
  3. Passbook Printing.
  4. Automated Accounting.
  5. Access control of the system – user levels.
  6. Connecting through LAN and WAN.
  7. Auto Database Backup process

Extended Features

  1. Unlimited number of Loans Types can be added.
  2. Unlimited number of Deposits can be added.
  3. Inbuilt Leasing module.
  4. Inbuilt Pawning module
  5. Inbuilt Insurance Collection module
  6. Inbuilt module for Electricity , Water Bill Collection


Loan Portfolio Management

  • Unlimited number of loan products with direct linkage to General Ledger.
  • Loan Application, Loan Approval, Loan Disbursement, Collateral, Loan Guarantors, Write-Off, Reschedule, Provisions, Interest Capitalization, Penalty Calculation, Loan Commission, Loan Insurance, Loan Application Fee etc.
  • Repayment frequencies: Daily, Weekly, Bi-Weekly, Half-Monthly, Monthly, Quarterly, Semi-yearly, Yearly and User-definable.
  • Interest Calculation: Flat Rate, Declining Balance Amortization and Compound Interest.

Savings/Shares/Fixed Deposit Management

  • Configurable unlimited number of products such as Compulsory Savings, Loan Guarantee Savings etc. with direct linkage to General Ledger.
  • Interest calculations: Monthly average running balance or Monthly minimum balance.
  • End of Period: Ledger Fee, Interest Calculation, Minimum Balance, Transaction Fee and other User-definable Charges.


  • The chart of accounts is complete, consistent, flexible, and user-definable—with five major categories for Assets, Liabilities, Equity, Income and Expenses.
  • Full support of General Journal and Journal Entries (Income, Expenses and Cash transfer from reserve to Cashier)
  • Customizable transaction menus


  • Integrated scalable ODBC databases, such as Microsoft SQL Server, Oracle with excellent performance capacity, good for an increased number of concurrent users or higher data volumes.
  • Excellent connectivity on Local Area Network (LAN) and Centralized Wide Area Network (WAN)

Ease of Use

  • Windows based application.
  • Consistent screens, TOOLBAR, easily identifiable menu options, and logical use of color and icons.
  • General platform standards with Keyboard and Mouse access to all functions.

Management Reporting and Data Analysis

  • Over 230 standard reports for Loans, Savings, Management, Operational, Financial, General and customer reporting.
  • All reports can be print/view by Branch, Client Category, Gender, Product, Loan Officer, Loan Cycle, Business Sector, Loan Fund, etc.
  • Reports: Trial Balance, Balance Sheet, Profit & Loss, Budget, Ledger Card, Arrears, Ageing, Portfolio at risk, Portfolio Concentration, Savings/Shares Balance & Account Activity Statement among others.
  • Exportation capabilities in a variety of file formats including Excel, PDF, DOC, JPG and GIF

Services – Implementation, Training and Support

  • Structured classroom-based training on user groups.
  • Multilanguage training delivered in English and Sinhala
  • 24×7 days technical support by email, phone, fax, FTP, or site.

Technical Capabilities

  • Standard operating system platform
  • Backup and recovery utilities for full and incremental backups are easy to manage.

How much it will cost?

The Banker costs range from $ 1,000 – $ 15,000 plus, depending on the number of users, database selected and the number of clients you have, you also need a license for every branch/site.

Our Microfinance solution supports funding agencies; Are you a Donor who seeks for solution to measure the development?

  • Implement business credit rules effectively
  • Manage cash and electronic transactions at branch level
  • Provide management with real-time information on the state of their business
  • Receive and send data to external parties such as the Donors
  • Manage debt collections
  • Report vital data to regional and branch management