Versatile open source software
for microfinance.

OPENCBS is the world's easiest financial management software to install, use and customize. Our technology benefits institutions of all sizes: From small start ups utilizing our free, basic software, to microfinance networks in need of tailored solutions. OPENCBS's dynamic technology will allow your institution to lower costs while improving service.

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OPENCBS is here to help

Client Management

Transform the way you interact with clients!
  • Clear client management interface
  • Biometric identification
  • Custom information fields
  • Stress-free document tracking
  • Client mapping
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Loan Management

Put advanced loan management features at your fingertips!
  • Versatile schedule creation
  • Easy disbursement
  • Fast repayment
  • Credit lines
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Savings Management

Ensure that your clients have put their savings in the best possible hands
  • Deposits and withdrawals
  • Mandatory savings
  • Term deposits
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Stay on top of operations and management with powerful reporting
  • Automatic contract and schedule printing
  • Disbursement and repayment receipts
  • Key performance reports
  • Portfolio At Risk, delinquent loans and collection sheet reports
  • Disbursement reports and closed and active loans lists
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OPENCBS can be both your operations and accounting solution!
  • Standard accounting tools
  • Personalised accounting tools
  • Automated loan provisioning
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Delinquency Management

Easily keep track of overdue accounts
  • Clear alert windows
  • Delinquency flagging and reporting
  • Collection actions tracking
  • Automatic warning letters
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Integrate your microfinance information system with external tools
  • SMS connectivity
  • POS/ATM integration
  • Seamless credit bureau synchronisation
  • Anti-money laundering blacklist checks
  • Mobile money synchronisation
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Performance Management

Benefit from a wide variety of business improvement tools and services
  • Userfriendly interface
  • Streamlined processes
  • Straightforward Key Performance Indicators
  • High level microfinance & technology expertise
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Security & Backup

Be confident in the security of your microfinance information system and data
  • User roles management
  • Audit trails
  • Self-backup
  • Secure off-site data replication
  • OpenCBS in the Cloud
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Open Source Software for Microfinance

The rapidly-changing world of microfinance demands the most dynamic solution on the market

Open Source

We offer a free and open source basic solution that includes CRM, loans, savings, reporting, accounting and more!


Take your software to the next level by optimizing it to your microfinance environment. Tell us what you need and we'll make it happen!


OPENCBS offers a full set of affordable extensions to increase your efficiency and growth. Ask us what we can do for you.

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What people are saying about us:

"Varthana is excited to partner with OPENCBS. The system has been flexible in meeting our unique requirements and the team has been very responsive to all our requests for additional modifications. Having a core banking system like OPENCBS allows Varthana to focus its energy on better serving...

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Steve Hardgrave CEO of Varthana, OPENCBS user

"OPENCBS is a world-class, adaptable organization that understands of the needs of its clients and is keen on community partnerships. It provides continous improvement, responsiveness and implementation services tailored to the expectations and standards of the industry.

Knowing that a...

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Onyeka Adibeli Technical Director at FDIT Nigeria Limited, OPENCBS valued-added reseller

I would recommend OPENCBS to any greenfield MFI that looks for high quality interaction and professional results. We have found the team is very capable, responsive to find solutions to the problems we encountered during migration and eager to think outside the box and simplify processes.

Olga Torres CEO, Agora Microfinance Zambia

"On behalf of AIM Credit Microfinance Company, I am pleased to recommend OPENCBS as a reliable and professional business partner with an aptitude for complex problem solving. The company distinguishes itself by providing each of its clients with individual attention rooted in a deep...

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Aidai Akunova General Director of AIM Credit Microfinance Company (Kyrgyzstan), OPENCBS user

The team of OPENCBS has been of great help when we were struggling with our previous MIS system. Their high quality services and affordable cost fit perfectly our need. Then, they have been very responsive on each of our requests for adjustments and additional developments.


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Aina Rakotoarinivo Director of Fond d'emprunt Québec

"OPENCBS envisions a giant leap forward in the effort to create "a model open source ecosystem." Welcoming participation from resellers, finance companies, banks, MFIs and consultants is a basic tenet of OPENCBS. ODED was nurtured and trained by the OPENCBS team to handle a world-class...

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Shirish Kumar CEO of ODED Transformational Technology, OPENCBS local reseller in South Asia