"announced the release of a joint solution in February 2017" 1C:Enterprise 8. Management of a microfinance organization and a credit consumer cooperative KORP", developed on the basis of the technological platform "1C:Enterprise 8.3" and the configuration "Accounting for a non-credit financial organization CORP" (developed by the Development Center company "IT Capital").
The industry solution "1C: Management of a microfinance organization and a credit consumer cooperative KORP" is intended for comprehensive automation of the activities of microfinance organizations and credit consumer cooperatives: ensuring the provision and attraction of funds, maintaining accounting and tax records of all business operations of microfinance organizations (MFOs) and credit consumer cooperatives (CPC) on the Unified Chart of Accounts (USA), reporting in accordance with industry accounting standards (ASBU) approved by the Bank of Russia.
The configuration “Management of a microfinance organization and a credit consumer cooperative KORP” was developed on the “Taxi” interface and uses all the advantages of the 1C:Enterprise technology platform version 8.3, which ensures scalability, openness, ease of administration and configuration. The 1C:Enterprise technology platform version 8.3 allows you to work in thin client and web client modes with the ability to access the information base via the Internet, including in low connection speed mode.
When developing “1C: Management of a microfinance organization and a credit consumer cooperative KORP”, the project experience gained when working with MFOs and CPCs was taken into account: CPC Savings Bank, Star-ConsultGroup, CPC KreditInvest and others.
Main industry-specific functionality of the program:
- Providing loans;
- Dealing with overdue debts;
- Raising funds;
- Maintaining records in accordance with Industry Accounting Standards (ASBU) developed by the Bank of Russia;
- Automatic opening of personal accounts, which significantly facilitates the work of maintaining analytical accounts and eliminates errors when opening them;
- Formation of reporting according to OSBU requirements;
- Automation of internal control for AML/CFT purposes.
The configuration of the PROF version has limitations compared to the previously released CORP version:
- There is no possibility of maintaining records for separate divisions;
- Setting up rules for automatically closing the list of personal accounts according to specified rules is excluded. It remains possible to manually close personal accounts;
- There is no uploading of memorial orders to a file;
- It is not possible to create an arbitrary directory in 1C:Enterprise mode and specify the value of an arbitrary directory in the settings for opening personal accounts;
- The number of simultaneously valid loan agreements issued and attracted is limited - 3 thousand of each type.
Configuration functionality "Accounting for a non-credit financial institution":
- Maintaining accounting records on the Unified Chart of Accounts of the National Financial Institution (Regulation N486-P of the Bank of Russia);
- Support for maintaining 20 (25) – digit accounts of analytical accounting;
- Support for maintaining analytical accounting accounts in foreign currency and rubles;
- Flexible configuration of rules for generating personal accounts to match combinations of second-order accounts, currency, trust management attribute and financial analytics;
- Correspondence of synthetic accounting data to turnovers and balances on analytical accounting accounts;
- Support for paired personal accounts (active/passive), automatic reconciliation of paired personal accounts;
- Support for accounts without an account attribute, control of account balances at the end of the day;
- Generation of standard accounting reports both for balance sheet accounts of the second order and for analytical accounting accounts (turnover balance sheet, account cards, analysis of accounts with detail to analytics);
- Accounting for fixed assets and intangible assets;
- Inventory accounting and warehouse accounting;
- Cash accounting;
- Accounting for mutual settlements with counterparties;
- Accounting for mutual settlements with accountable persons;
- Accounting for income and expenses;
- Accounting for advances received and paid;
- Reflection of routine operations (control of account balances and reconciliation of paired accounts, accounting of events after the reporting date);
- Preparation of financial statements in accordance with the requirements of RAS;
- Calculation of income tax, property tax, transport tax;
- Maintaining books of purchases and sales by branches;
- Formation of declarations for VAT, income tax, property tax, etc.;
- Closing accounting periods.
Express Accounting LLC is an accredited provider of the Skolkovo technology park
The Express Accounting company is accredited as a provider of accounting services at the Moscow Skolkovo technology park.
The work standards applied by Express Accounting are fully consistent with the spirit of the innovative business community, and high-quality outsourcing of accounting functions will allow residents of the technology park to develop their ideas in the most convenient environment from the point of view of the business climate.
http://raexpert.ru/ratings/outsourcing/2016
Express Accounting LLC is included in the ranking of the largest Russian groups and companies.
As part of the annual project “Russian Audit and Consulting”, based on the results of activities for 2016, the company “Express Accounting” takes leading positions in the ranking of the largest Russian consulting groups and companies:
- 31st place in the field of “Outsourcing of accounting functions”;
- 2nd place in “Preparation of financial statements (RAS)”
http://raexpert.ru/ratings/outsourcing/2016
We are very glad to have you as part of our team. We appreciate the time you devote to your work. We appreciate everything you do and look forward to further fruitful cooperation!
Having worked with you since 2014, we are grateful for your cooperation and mutual understanding. We are very pleased with the competent and professional approach in resolving issues related to our company. You resolve any issues promptly and quickly, offering various options that best suit us. We are very glad to have you as part of our team. We appreciate the time you devote to your work. We appreciate everything you do and look forward to further fruitful cooperation!
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OJSC Alfa Bank expresses its gratitude and gratitude to the employees of Express Registrar LLC for their effective work.
OJSC Alfa Bank expresses gratitude and gratitude to the employees of Express Registrar LLC for their effective work within the framework of our joint cooperation. In addition to high professionalism, creativity in work and understanding of the customer’s needs, I would like to especially note the ability of the company’s employees to look at the desired result through the eyes of the client. We recommend Express Registrar LLC as a reliable partner.
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I would like to note the high level of professionalism of your team, quality service and flexible approach to clients.
Business Development Center No. 1798 of the Moscow Bank of Sberbank of Russia expresses gratitude for the partnership between our Companies in providing services to legal entities in the field of registration of organizations, making changes and accounting services. I would like to note the high level of professionalism of your team, high-quality service and flexible approach to clients, as well as extensive experience in registering companies.
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OJSC "Moscow Fashion House of Vyacheslav Zaitsev" thanks the company "Express Registrar"
OJSC "Moscow Fashion House of Vyacheslav Zaitsev" thanks the company "Express Registrar" and personally the lawyer for registration of legal entities, Grebenkina Alena, for the high professionalism shown during the opening and registration of LLC "Pride" (cafe-boutique "Soblazn").
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We assure you that we will recommend you to other organizations, including residents of the Skolkovo Foundation.
Our appeal to you is dictated by the desire to note the professional work of the employees of your company Express Registrar LLC, in particular Alena Grebenkina, who clearly carried out the reorganization in the form of transformation of our company. We would like to note that all issues that arose while working with our company were resolved at a high professional level.
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We express confidence in further fruitful cooperation.
The administration of the Anadyr city district expresses gratitude to Express Registrar LLC and personally to lawyer Vadim Borisovich Kireev for their assistance in registering the official website and promptly resolving all emerging issues. We express confidence in further fruitful cooperation.
Review scan LLC ICT Management Review scanAll tasks related to accounting and reporting were completed competently and on time, which allows me to evaluate the work as professional and responsible.
ICT Management LLC has been cooperating with the accountant of Express Accounting LLC Lyubov Olennikova since 2014. During this time, all tasks related to accounting and reporting were solved competently and on time, which allows me to evaluate Lyubov’s work as professional and responsible. I would especially like to emphasize her attentive attitude to the requests of our company and prompt responses to questions, which allows us to avoid inaccuracies and errors. I hope for long-term cooperation with accountant Lyubov Olennikova and the Express Accounting company.
Review scan Solo Villa LLC Review scanDuring her work, Lyubov Andreevna Olennikova established herself as an initiative, responsible and reliable specialist, capable of completing assigned tasks on time.
During her work, Lyubov Andreevna Olennikova established herself as an initiative, responsible and reliable specialist, capable of completing assigned tasks on time. She has proven that she is capable of making decisions in difficult situations and being responsible for the results of her activities. Friendly and sociable. Hardworking and highly efficient. Lyubov Andreevna is a non-conflict person, has a desire to improve her professional level, a high level of diligence, responsibility and attentiveness, well-developed mathematical and analytical abilities.
Why the article is interesting: the author compiled the first analytical review of programs for accounting of microfinance organizations and credit cooperatives on the 1C platform according to EPS and OSBU, highlighted the general trends of their work, noted the pros and cons of each of them
From January 1, 2018, a “new life” will begin for CPCs and MFIs according to the rules of new industry standards, and a year later, from January 1, 2019, MFCs, MCCs and credit cooperatives must necessarily switch to electronic accounting (financial) and supervisory and statistical reporting in XBRL format.
Accounting systems, first of all, must comply with the new rules and requirements of the Bank of Russia, so previous accounting programs built on the principles of RAS will have to be changed. Leading IT companies have developed and released special software products for NFOs on the 1C platform, which is easily explained. According to a study by TNS (Mediascope), about 90% of automated workplaces in Russia use 1C software products.
In August 2016, I had already conducted a small study on the solutions developed at that time for NFOs. The review included 4 programs:
- “1C-Rarus: Non-credit financial organization, edition 1”;
- “1C: Accounting for non-credit financial organization KORP” (developed by IT Capital);
- "Ortikon: EPS. Main delivery ed.1";
- "Homnet: NFO".
The study did not include several solutions for insurers and “treasury investors” announced after publication in the fall-winter of 2016, and expensive developments costing more than 1.5 million rubles.
In total, 10 products actually competed on the market at the end of 2016 - beginning of 17. As implementation practice has shown, all these solutions turned out to be “immature”, some were frankly “raw”, only 2-3 systems out of the specified dozen turned out to be more or less “twisted”. The rest were added and finalized “on the fly”, and some of them remained semi-finished products (for example, without an accounting module for the Bank of Russia). In order to bring such not-so-cheap “products” to meet the regulatory requirements, the purchasing company will have to spend an amount that is several times or an order of magnitude greater than the price of the “box” (circulation product).
By mid-2017, the transition to EPS and OSBU accounting for MFOs, MCCs and credit cooperatives had already become relevant. The main developers of programs for NFE last year, plus several new “players” have already formed a “showcase” of solutions. Within the framework of this article I propose small marketing review of 8 solutions from 6 developers. Suppliers of non-circulation programs for large implementations are excluded from the list under consideration. Perhaps new products will appear on the market. It is difficult to say now how many there will be, at what price, and whether they will be able to seriously compete with the programs from the presented study. .
General trends
The first thing that catches your eye is the prices.
Prices dumped in comparison with the prices of programs for NFO at the end of 2016.
Main price trend: 25-50 thousand rubles. per “box” - which is 2-3 times cheaper than previous budget options from 1C-Rarus and IT Capital. This is likely due to the fact that the main box suppliers have already returned the funds invested in development. Perhaps the decline in prices is due to a significant number of MFOs and CCPs, 3 times greater, for example, than the number of “treasuries”, depositories and management companies. Some developers, counting on mass demand for their products, are clearly “playing to reduce” prices.
There is another trend:
Accounting software is offered in half of the solutions along with a full-fledged operations or back office
Having purchased and implemented such a program, the company automates its business processes and management accounting by 80-100%. I assume that this trend is largely related to the need of top managers of microfinance organizations to “get away” from all kinds of data exchanges between disparate “pieces” of automation that have developed historically during the development of the company.
If the operating contour of the company, regardless of size, is convenient and well managed; a lot has been invested in it, it works reliably and provides adequate management information and reporting, there is no point in switching to a new back office or worrying about transferring the entire database to a new program. It is enough to buy only “accounting” according to EPS/OSBU and spend money on high-quality data exchange modules. If there is no back office or its work raises many questions and complaints, it is better to buy a complete solution and make a competent transfer.
And another trend: the story with “semi-finished programs” is repeating itself.
Almost all of the software solutions reviewed are to some extent “raw”, with errors and “shortcomings”.
The reason for this is the objective methodological difficulties of implementing the new requirements of the Bank of Russia, which are still being formed and clarified (for example, there is no clear regulatory framework for the CPC), and sometimes the provisions allow for different interpretations. There are also organizational and production reasons for this: developers lack time and specialists to check and debug everything.
Well, the most unpleasant thing is the commercial reasons: the policy of some heads of IT companies, which allow shortcomings and program errors as the norm.
Draw conclusions: the price and “promotion” of the program are not the main thing. Don’t fall into the “trap” of advertising, “regalia”, “guarantees” and pretty pictures at presentations. You (your company) will ultimately pay for advertising, free seminars and friendship with the leadership of business associations if you believe these “wizards” and buy a “pig in a poke.” But don’t be fooled by black PR, completely ridiculous statements about some products, which, as practice showed in 2016 and early 2017, took place. There is an alternative on the market; take the time to collect information and conduct careful analysis and selection.
On the other side, there is no ideal product and there cannot be. Let's be honest, there were, are, and will continue to be errors and “shortcomings” in “newly created” programs for completely understandable economic reasons. There are no miracles; a program brought to perfection and working like a Swiss watch will cost millions of rubles. Will this suit you? Clearly not. The developer's attitude towards these problems is important. An IT company that relies on a high-quality product and responsible relationships with customers, and not on promoting a semi-finished product (designer) and “quick money”, organizes feedback and effectively processes all comments, wishes, questions from customers - users and partners implementing the solution . A reputable developer must be responsible for the timing of the appearance of additional modules in program updates in accordance with the requirements of the regulator and legislation.
But this does not mean that you need to postpone the purchase and implementation to a later date and wait for high-quality software releases after a series of updates. You just need to carefully select solutions that have implementation experience in 2016-2017. there is a prospect of successful implementation and quality support,
There is also this trend:
The developer does not supply the program, but the configuration, which is “installed” in Accounting 8.3. as an update
It becomes possible to keep records according to 2 fundamentally different standards, according to RAS and according to EPS/OSBU. I will not touch on the technical issues of the possibility of implementing such a solution. Whether the user needs this in one program or not is a moot point. The opinion of our company’s consultants and experts is clear: the convenience of parallel accounting is apparent. Budget-friendly, technologically advanced, but methodically incorrect. In practice, it does not simplify, but complicates the work of an accountant. Parallel accounting by itself cannot effectively teach the user how to work with the UPS. From a marketing point of view, I think that this is purely an advertising ploy to win over some accountants who are not very confident in their professional abilities to deal with the new requirements.
Available rangesoftware products
So: to automate the accounting of microfinance organizations (MFC and MCC) and credit cooperatives on the 1C platform, the following solutions are offered:
- 1C-Rarus: Non-credit financial organization (2 product versions);
- 1C: Accounting for a non-credit financial organization (1 product);
- 1C: Management of a microfinance organization and a consumer credit cooperative (2 product versions);
- Ortikon: Management of a microfinance organization (1 product);
- My MFO: Accounting in microfinance organizations (1 product);
- (1 product).
Below I offer a brief description of the products and their versions.
1C-Rarus: Non-credit financial organization
The developer, 1C-Rarus, is one of the leading Russian providers of solutions on the 1C platform, well known for its variety of industry solutions and the quality of its products. The product comes in 2 versions: basic and for the microfinance market.
Universal basic solution for NFO - a well-known and relatively well-proven product for NFO at the most budget price on the market (at the beginning of 2017 - 80 thousand rubles, then - 100 thousand rubles). Recommended as a fairly “modified” full-featured solution with simple setup for “accounting” of AHD according to EPS/OSBU for medium and large microfinance companies. To work with him in tandem, the developer offers a product for operational accounting that has long been known on the market - 1C-Rarus: Microfinance Organization (price - 25 thousand rubles)
The version for the microfinance market has one limitation: the number of simultaneously valid loan agreements issued and attracted is no more than 10 thousand of each type. Supplied at an attractive price - 35 thousand rubles. Designed for small MFOs and CPCs that do not plan to change the program on which the back office operates (accounting for core activities).
The program can be purchased directly from the developer or from a 1C-Rarus partner.
1C: Accounting for non-credit financial organization KORP
The developer is the Moscow company IT Capital, a 1C partner in programs for the financial sector. The capabilities accumulated in this area allowed the company to create a product that received the support of 1C - the “Joint” status. But in 1C:BNFO there is only general business and personnel accounting, there is no accounting for specialized tasks. Significant disadvantages - there is no reporting and its “appearance” is not announced, the program requires serious and lengthy setup before use, complex training.
In fact and in words, in the spring of 2017, it became clear that for the real use of 1C:BNFO, a significant refinement of this semi-finished product is necessary, adaptation to the industry specifics of various NFOs, including the specifics of a credit cooperative and a microfinance organization. At present, due to the incompleteness of the solution, complexity of use and low-competitive price (130 thousand rubles), the prospects for demand for 1C:BNFO are vague.
1C: Management of a microfinance organization and a credit consumer cooperative
The Audit-Escort company has made its solution for managing MFIs and CPCs based on 1C:BNFO from IT Capital. The result is a solid product that combines operational, personnel and accounting in a “one window”. The program probably provides everything that microfinance NFOs might need: from loan accounting, CRM and scoring to accounting and AML/CFT.
1C: MFO and CPC Management, like Rarus: NFO, is offered in 2 versions: CORP and PROF. CORP version with a favorable (relative to 1C:BNFO) price of 150 thousand rubles. I would recommend medium and large microfinance organizations. PROF version with a price of 45 thousand rubles. has “reduced” capabilities. It is clear that this version was made for small MFOs and CPCs who plan, along with the transfer of “accounting” to EPS/OSBU, to reorganize the accounting of core activities and to tie together all the “facets” of accounting. How critical the restrictions are: the NFOs themselves know better. Of course, 3 thousand loans issued per year, no more than 10-12 contracts per day - this may not be bad for a CCP in a small town or village in the province.
The program has received support from 1C, the status “Joint” and is available for purchase through any franchisee. But, with all its advantages, unfortunately, the 1C solution: Management of MFOs and CPCs inherited the disadvantages of the parent program: in the accounting part, the product requires complex setup and thorough methodological support. So, buying and installing the 1C: MFO and CPC solution on office computers is completely insufficient; you need not just an ITS service, but qualified support.
Understanding this, “Audit-Escort” has developed a special template - “Basic Accounting Model”. This is an “information add-on” with predefined data, a kind of “wizard” that allows you to flexibly make standard settings taking into account the profile of the company (MFO, CPC) and accounting policies. The price is decent: 7.5 thousand rubles. for the PROF version and 15 thousand rubles. for CORP. In addition, the developer offers distance learning courses: 16 hours for 8 thousand rubles.
Both PROF and CORP versions provide the possibility of upgrading accounting programs and licenses for them, including the cost of the given program. And one more thing: for transferring directories, documents and registers from the old back office, special processing is provided, supplied in the kit.
Ortikon: Management of a microfinance organization
This is not a program, but a 1C configuration, which is an addition to the standard configuration “1C: Enterprise Accounting 8” edition 3.0. The transition to the UMFO EPS configuration allows you to obtain a universal product for comprehensive accounting of the activities of a microfinance organization. The “conspicuous” price is RUB 24,800, the lowest among the reviewed products for MFOs and CCPs. But make no mistake, the Ortikon company has “provided” for buyers a package of add-ons, without which the program will be able to work, but the purchasing company will hardly be able to do so for long. Judge for yourself what additional modules the developer offers and at what prices. BKI and SMS mailing modules – for RUB 3,990. each and modules DDS and FZ115 (AML/CFT) for 10,800 rubles. With these additions, the “cheapest” solution immediately moves into the category of “mid-range budget” at a price of 40-55 thousand rubles.
Unfortunately, I was not able to see the functionality of the product; the request for a demo version remained unanswered. I don’t think that such a marketing policy will give the EPS UMFI a competitive advantage.
According to the information on the company’s website, we can conclude that Ortikon itself develops, sells and maintains the UMFO EPS product. Unlike the programs “1C-Rarus”, “IT Capital”, “Audit-Escort”, which are sold through a network of partners, “Ortikon” “takes everything upon itself”. In any case, I did not find information about partners on the company’s website. Such a policy, in my opinion, does not promise high-quality implementation and support for buyers if there are many of them (buyers).
My MFO: Accounting in microfinance organizations
About this decision of the developers from St. Petersburg, you can write almost the same thing that was written just above about the UMFO EPS of the Ortikon company. In addition to additional modules (there are none).
Among the advantages of the product:
- Competitive price RUB 38,900;
- Well-thought-out back-office functionality, fewer possibilities than in 1C: Management of MFOs and CPCs from Audit-Escort, but the program is convenient, it is possible to configure roles, etc.;
- There are financial statements for draft MFO standards;
- Standard forms (SALT, etc.) and accounting reporting forms are flexible and equipped with multiple selection and broadcast settings. With the participation of the developer, it is possible to add forms for use in management activities;
Significant disadvantages:
- Many software modules operate in accordance with RAS: there is no complete setup of compliance between EPS and RAS accounts (mapping);
- There are no reference books on OSBU;
- The setting is set by default, but not for all accounts, although the developer regularly adds new rules to the basic setting. But the settings are complex and tied to a selection system, so the user will have difficulty making the settings on his own
- The developer has implemented parallel accounting in the program. But the entire construction of transactions on the UPS is based on the translation of movements of RAS accounts on RAS registers. When the period of study and testing of the program ends and its real use begins, it will be difficult for users to abandon their usual RAS accounts.
- The developer, like Ortikon, independently sells and maintains the product; they do not plan to distribute it through franchisees.
In general, the product is not bad, it is being actively refined and developed, it has certain prospects in the market, but the developers still have more to do than has been done. First of all, they need to solve the issue of error-free operation of the rather complex “USP superstructure on the foundation of RAS”: how, with a significant number of transactions, to analyze postings (it is not clear how the analysis of the presence or absence of transactions according to the USP will be carried out, there are no reports for reconciliation).
Homnet NFO 2.0
The developer, Homnet Consulting, has been automating international companies for 17 years. And, judging by the description, it offers a very high-quality product. And at a price acceptable for large companies - from 360,000 rubles. The program only includes accounting. Of course, the solution will find its buyer - these are the largest mixed-use complexes. The Homnet program is focused on its use as a basis for developing a more in-depth solution for the specific needs of these companies, with a large percentage of improvements and settings, as well as integration of the accounting system with other information systems.
By chance, on the website of one of the SRO KPK, I discovered several more solutions from provincial IT companies (Rostov-on-Don, Volsk, etc.). With all due respect to businesses and specialists working in the difficult financial conditions of the Russian hinterland, I did not find any fundamental differences in functionality and prices from the products of Ortikon.UMFO EPS and My MFO. These are exactly the same comprehensive solutions installed through updating the 1C: Accounting 8.3 configuration. And promises of the opportunity, as in My MFO, to maintain parallel accounting: according to the EPS and RAS. Such inexpensive solutions, subject to persistent promotion on the Internet and through self-regulatory organizations, will certainly be able to compete with the “metropolitan things,” especially in the provinces. I'll be happy about it. But even a high-quality program can become a headache if there is no effective support and methodological support.
CONCLUSIONS
First. We need to save money. But saving is wise. Remember: the miser pays twice. Even if you have a small company, but you plan to grow your business, you should not save on time and quality programs. As the implementation experience of the end of 2016 - the first half of 2017 has shown, it takes at least 3 months to install and master the program (to the level of independent accounting). And don’t buy openly “raw” semi-finished products (even with promises that everything will definitely be there tomorrow), look at several options and test demo versions. Ask questions to consultants - methodologists, but not to the developer companies themselves, but to independent companies - suppliers of several alternative solutions.
Of course, you can buy a program cheaper and until 2019 (XBRL era) use it nominally, for show, and do the reporting “by hand.” You will save 20-50 thousand rubles, but what will this give to your organization? It is more economically profitable to buy a program in 2017, even if not the cheapest, but one that suits you and, most importantly, a program that has shown its performance in practice, correctly implement it, master it and use it as a competitive advantage.
The industry solution "1C: Management of a microfinance organization and a credit consumer cooperative" was developed on the basis of "1C: Accounting for a non-credit financial organization" (version 3.0) and is intended for comprehensive automation of the activities of microfinance organizations and credit consumer cooperatives:
- functionality for conducting core activities of providing and attracting funds.
- functionality for accounting and tax accounting of these activities in accordance with the requirements of the Bank of Russia, laws and regulations.
You can use the program for FREE for 14 days!
5 reasons to choose rent 1C: Management of MFOs and CCPs:1. Savings: Purchase 150,000 rubles + Updates 44,528 rubles per year = 194,528 rubles in the first year
Rent - 30,000 rubles per year
Savings - 164,528 rubles in the first year
Use that money better!
2. Your database is stored on a reliable server that is protected from hackers and accidentally spilled coffee!
3. Program maintenance (backup, update) falls on our shoulders
4. Renting gives you the opportunity to work from any computer with Internet access!
5. Paying monthly will save your budget!
Register and try
Functionality in "1C: MFO and KPK Management" version CORP.
Loan management
Automation of work with overdue debts
Fundraising management
- Filling out a preliminary application from a potential investor.
- Indication of the conditions for raising funds.
- Registration of actual receipt of funds.
- Automatic calculation of interest and membership fees.
- Reflection of refund.
- Deposit and withdraw funds at any time from personal savings.
- Interest capitalization.
- Changing the conditions for raising funds while storing the history of changes. Automatic renewal.
- Calculation of personal income tax deductions.
Reporting
- Report on microfinance activities of MFOs and CPCs.
- Report on the personnel of MFO and CPC bodies.
- Coding of transactions and generation of a report in accordance with Directive No. 3719-U “On reporting by non-credit financial institutions on transactions with funds.”
Internal control for AML/CFT purposes
- Documenting the execution of internal control tasks for AML/CFT purposes:
- order on approval of the Internal Control Rules (ICR);
- order on the appointment of a Special Official (SDO);
- order approving the list of employees who must undergo mandatory training and education;
- order approving the training and education plan;
- induction training logbook;
- and others.
- Screening clients for involvement in extremist activities or terrorism:
- Import of the current list of terrorists/extremists.
- Checking against the current list of terrorists/extremists when accepting new clients for service and once every 3 months for all clients;
- Export to Rosfinmonitoring through your Personal Account a report on the inspection of all clients according to the List of Terrorists/Extremists (once every 3 months).
- Assistant for meeting deadlines for fulfilling internal control duties for AML/CFT purposes.
Service functions of the program
- Export data to credit bureaus.
- Attaching an arbitrary number of external files to directories and documents.
- Creation of printed forms in MS Word format using arbitrary templates.
- Group recalculation of accrued interest, commissions and fines for an arbitrary period.
- Flexible access control mechanism, for example:
- loan management
- loan manager
- fundraising manager
- special official for internal control for AML/CFT purposes
- All reports provide the ability to flexibly customize the displayed information to suit your needs.
- Mechanism for loading initial data.
Features of regulated accounting:
- accrual of interest income taking into account the requirements of Bank of Russia Regulations 2015 No. 493-P and 501-P. Including the calculation of amortized cost and the calculation of interest income using the effective interest method.
- preparation of industry-specific financial statements of the Bank of Russia for MFOs and CPCs.
- accounting for separate divisions (for the CORP version).
The configuration "1C: Management of a microfinance organization and a credit consumer cooperative" uses a unified chart of accounts that meets the requirements of the Bank of Russia. The composition of the accounts, the organization of analytical, quantitative accounting on the accounts comply with the requirements of the legislation on accounting and reporting of data in reporting.
For integration with other information systems, standard mechanisms of the 1C:Enterprise 8.3 platform are used.
A mechanism for automatic opening of accounts has been implemented, which significantly facilitates the work of maintaining analytical accounts and eliminates errors when opening them.
The configuration uses the capabilities of version 8.3 of the 1C:Enterprise platform, including:
- Support for the new “Taxi” interface, the distinctive features of which are a modern interface design, maximizing workspace on monitors with different resolutions, large font, ease of navigation, the ability to independently design your own workspace
- Support for thin and web clients, development of cloud technologies
- Transfer of the main “computing” load to the server and economical use of client resources
The software product is secure and contains code fragments that cannot be changed by the user and is protected from unauthorized use. At the same time, the principle of maximum openness of the code is implemented to ensure the ability to adapt the product to the needs of end users.
We invite you to the online course “Record keeping in 1C: Management of MFOs and CPCs”. The course program will help you easily maintain automated accounting according to new industry accounting standards for microfinance organizations and consumer credit cooperatives.
How is the training going?
The course consists of 5 webinars, each lasting ~3 hours. During the training, assignments will be given for independent practice of examples from the practice of MFOs and CPCs. At the beginning of each webinar, there is an analysis of typical questions from previous assignments.
Configuring program parameters.
Loans provided: front office. Including:
- Financial products.Financial products.
- Loan applications. Approval of the application.
- Checking the counterparty and assessing its creditworthiness.
- Registration of loan issuance, calculation of accruals, loan repayment.
- Changing loan terms.
Chart of accounts, setting up accounting, analytical accounting accounts.
Loans provided: accounting. Including calculation of amortized cost, effective interest rate, formation of a reserve, assignment for various loan options:
- for up to 1 year.
- for a period exceeding 1 year.
Raised funds (savings): front office.
Raised funds (savings): accounting. Including calculation of amortized cost, effective interest rate, personal income tax for various loan options:
- for a period of up to 1 year, % at the end of the term, monthly, capitalization.
- for a period of more than 1 year, % at the end of the term, monthly, capitalization.
- non-market rate (above/below the market).
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Including:
- Materials: purchase-write-off, sale.
- Paired accounts and their closure.
- Purchasing services.
- Issuance of reports, preparation of advance reports.
- Calculations for wages and taxes and contributions calculated from employee benefits.
- Fixed assets.
- Reflection of events after the reporting date (APD).
Accounting of economic activities.
- Entry/exclusion of shareholders.
- Acceptance of membership and share contributions, formation of funds in the CCP.
- Formation of balances on contributions of shareholders.
- Financial standards.
- Dealing with overdue debts.
- Counterparty questionnaires.
- Word/OpenOffice document templates.
- SMS and e-mail newsletters.
Formation of balances on loans provided.
Formation of balances on borrowed funds (savings).
Formation of balances from economic activities.
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