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2009 Software Reviews
User Institution Name:
Software's Name:
Software Provider's Name:
Anonymous
Emortelle
MicroSoftware Designs
INSTITUTION PROFILE
General information
Choice lists
Free answers / Descriptions / Comments
Anonymous
# Name
Trinidad and Tobago
Country
Region
Language most spoken in operating region
Size of the institution
Branches network and type of environment (Urban / Rural)
Latin America and the
Caribbean
English
SMALL(<5,000 clients) 373 Clients
Total number of branches
Nb of branches in urban area
Number of urban computerized locations
Nb of branches in rural area
Number of rural computerized locations
1
1
1
0
0
Staff overview
Total Number of staff
Cashiers
Loan Officers
Branch Managers
Other Branch staff
Head Office staff
Others
Total Number of staff in the IT department?
1
1 - Keisha Ganga
1 - Keisha Ganga
0
0
Board of Directors (9)
(3) - Supervisory Committee
1
one (1) staff
How many IT staff is involved in the day to day management of the
microfinance software?
Full time equivalent ?
one hour
% of IT department
0.33
Main products
Loans
Individual clients
Solidarity groups with individual loans
Solidarity groups with group loans
Others
YES
NO
NO
NO
Saving account
Current account
Overdraft account
Term deposit
Planned saving
Group saving
Other (user defined)
YES
NO
NO
NO
NO
NO
NO
Deposits
Other products and services
Payment cards
Payment services (bills, utility management)
Foreign exchange service
National transfers
International transfers
Western Union / Money Gram / Other
SWIFT
Insurance
Other products and services
NO
NO
NO
NO
NO
NO
NO
NO
NO
Page 1 of 4
2009 Software Reviews
User Institution Name:
Software's Name:
Software Provider's Name:
Anonymous
Emortelle
MicroSoftware Designs
OVERVIEW OF YOUR MANAGEMENT INFORMATION SYSTEM (MIS)
Systems implemented and used by your institution
Choice lists
Free answers / Descriptions / Comments
Emortelle
MicroSoftware Designs
Name of your microfinance or banking software
Name of the vendor
Additional softwares or in-house systems
Accounting
If yes, is the system interfaced with your microfinance or banking system
Human resources management
If yes, is the system interfaced with your microfinance or banking system
Reporting
If yes, is the system interfaced with your microfinance or banking system
NO
None
NO
None
NO
None
NO
Others (please specify)
None
Connectivity solutions and consolidation
Connectivity solutions between Head Office and branches
Only one branch - Weekly meetings are held by the Board
Reporting consolidation from branch to head-office
NO
Your microfinance or banking software
Emortelle
Version (exact release currently used)
Have you been through a End of Year process with this release?
Maximum number of accounts handled within your software
Cumis+ v6.51a
YES
373
Since when are you using a microfinance or banking information system?
6/29/05
Any change of system since then?
NO
If YES, date
Names of previous microfinance or banking systems used
Names of softwares pre-selected before choosing the one you are currently using
Flex Credit Union Information Technology
How did you first hear about your current software?
Research / Referals
In case of problem regarding your system that cannot be solved internally, who
helps you?
Software Provider
The vendor company
Micro Software Designs Limited
An IT firm different from vendor
No
Other
No
Do you have a maintenance contract with the above mentioned company?
YES
If NOT, how do you contract to obtain support?
Have you had any serious bug or other problems since the start of operations with
the software?
Nb of releases implemented
NO
Cumis+ v6.51a / installed at one location
one (1)
1
Total number of users of your system
Number of Cashiers using the system
Number of Loan Officers
Number of Branch Managers
Number of Other Branch staff
Number of Head Office staff
Number of Others staff using the system
Data synchronization between Head Office and the branches
1
1
None
None
None
2 - Directors (Treasurer & Secretary)
Single PC
Any comments regarding the data synchronization?
Do the loan officers and cashiers use the system:
NO
Yes
In real time in front of the client?
NO
In batch mode?
YES
Both?
Do you currently intend to change system?
If YES, are you already in a selection process?
If YES, names of microfinance or banking systems envisaged
NO
Page 2 of 4
The system is working for us, no major problems encountered so far
NO
NO
2009 Software Reviews
User Institution Name:
Software's Name:
Software Provider's Name:
Anonymous
Emortelle
MicroSoftware Designs
Your IT equipment within your institution
Number of servers
one - (Stores database)
Numbers of clients work stations
one
What innovative solutions are used by your institution?
ATM
NO
PDA
NO
Cell phone
NO
Others
NO
SATISFACTION REGARDING YOUR MICROFINANCE SYSTEM
Rating - Are you satisfied with your microfinance software?
Rating
Comment
Overall rating
Functionality
GOOD
GOOD
Easy to use
Meets business requirements
Ease of use:
GOOD
Languages
Navigation
Data capture
On line help or contextual help
Quality of warning messages
Reliability and performances:
Management reporting and data analysis
Implementation, training and support
Rating - Are you satisfied with your software
functionalities?
Client Information Management
Loan management
Individual clients
Solidarity groups with individual loans
Solidarity groups with group loans
Village banks with individual loans
Village banks with group loans
Village banking
Deposits management
Saving account
Current account
Overdraft account
Term deposit
Planned saving
Group saving
Teller management
Transfer
Operational reporting
Regulatory Authorities reporting (Central bank, …)
Share management
Accounting
Additional functionalities
GOOD
GOOD
GOOD
AVERAGE
AVERAGE
GOOD
GOOD
GOOD
Rating
GOOD
GOOD
GOOD
NOT USED
NOT USED
NOT USED
NOT USED
NOT USED
EXCELLENT
EXCELLENT
GOOD
NOT USED
NOT USED
NOT USED
NOT USED
GOOD
GOOD
GOOD
NOT USED
EXCELLENT
GOOD
NOT USED
Statements and Reports pulled from the system can be understood by both
Members and Management
Once familiar with system
Caters for all members information
Refer to training manual
Does not provide possible solution to errors encountered
Average
Comment
Efficient
Efficient and Effective
No problems encountered thus far
No problems encountered thus far
No problems encountered thus far
Simple and easy to understand
Simple
No problems encountered thus far
No problems encountered thus far
Rating - Are you satisfied with your software security
features?
Rating
Comment
User profile management
Data storage and backup
Audit
GOOD
GOOD
GOOD
No problems
No problems
Rating - What is your appreciation of the implementation
process?
Rating
Comment
Ease of installation
GOOD
easy to install
Ease of configuration
GOOD
easy
Quality of operational training provided
Quality of technical training provided
GOOD
GOOD
Demonstrations / Training Manual\
Detailed training provided
Rating - What is your appreciation of the customer support?
Rating
Comment
Promptness
GOOD
Accuracy of answers
Support language adequacy
GOOD
GOOD
Average - Sorted within two to three days depending on urgency and
problem encountered
Generally accurate
Understandable
Overall satisfaction
Did the software help to improve the services offered by your organization?
YES
Would you recommend the product to another MFI?
YES
Would you recommend the team or company who did the implementation to
another MFI?
YES
In your opinion, is there any important functionality missing?
NO
Do you feel any gap between what you bought and what you finally got?
NO
Please include any additional comments you may have here
Page 3 of 4
It enabled us to improve our services offered as members now receive quick
and promt service at all times.
The software is easy to use and has a lot to offer: Member's Ledger, Payroll
Processing, Loan Processing, Teller Processing, Delinquent Reports,
Activity Reports etc.
The team who did the implementation gave sufficient training to enable us
to use the software with confidence.
Satisfied
2009 Software Reviews
User Institution Name:
Software's Name:
Software Provider's Name:
Anonymous
Emortelle
MicroSoftware Designs
What about the quality of documentation?
Were you provided with an up-to-date technical documentation?
YES
if YES - Appreciation of the documentation (please rate)
GOOD
Were you provided with a user manual?
YES
if YES - appreciation of the user manual? (please rate)
GOOD
Is there an online help / documentation?
YES
if YES - appreciation of the documentation (please rate)
AVERAGE
What about the implementation process?
Was the implementation process well planned and were deadlines respected?
YES
User manuals were given at the training session with step by step
demonstrations given by the Software Provider.
During the implementation did you have to perform adaptations or specific
developments to the software?
YES
Nothing major. Sorted during implementation.
Did you have to change or adapt your organization or procedures to be in line with
the software?
NO
In line with Credit Union.
Did you face any unexpected problem during implementation?
If your institution was not a "green field", how did the data migration go?
NO
GOOD
How did your institution proceed to the implementation process?
Alone (Go to question 4.1)
With the vendor of the software (Go to question 4.1)
With the vendor and a specialized consulting firm (Go to question 3.9.5)
With a specialized consulting firm (Go to question 3.9.5)
NO
YES
NO
NO
# Can you provide the contact details of the consulting firm?
NO
Page 4 of 4
Manual data input. Quantity of date to be input was small.
2009 Software Reviews
Duration and workload related to your implementation process for the current microfinance software
STEP
Preparation and need assessment
Selection of software
From contract signed: Installation and configuration
Testing / User Acceptance tests
Pilot phase
First branch roll-out
Full roll-out
TOTAL
Duration
Unit
2
1
1
2
1
1
1
9
Weeks
Weeks
Weeks
Weeks
Weeks
Weeks
Weeks
Weeks
26
Number of staff
involved
Number of external
experts involved
3
4
5
5
3
3
3
0
0
2
2
1
1
1
Profile of people involved / Comments
GM / Accounts
GM / Accounts / IT
GM / Accounts / IT
Accounts / IT / Teller
Accounts / IT / Teller
Accounts / IT / Teller
Accounts / IT / Teller
7
Cost related to your microfinance software, from need assessment up to full branch roll-out including 1 year of maintenance
Product / Service
Type of supplier
Need Assessment and Selection - Technical Assistance
Implementation
Core Software License
Additional modules License
Server License
Database License
Software editor fees & expenses
Detailled Description / Comment
Cost in local
currency
Consultancy
Local
currency
name
Cost in $
Customization
Training
Other (expert technical assistance ...)
Hardware and Telco Connection
Hardware investment (Servers, Printers, Computers …)
Network infrastructure & security investment
Network communications (charge of a year after full roll-out)
Ohter investments (premices adaptation, electricity fitting etc...)
Software Provider
Servers, printers , computers
24069.03
Total cost ownership
3436.84
Maintenance (yearly cost after full roll-out)
Page 1 of 1
Trinidad &
Tobago
Dollar &
Trinidad
Tobago
Dollar
3723
532