Hire Purchase
The hire purchase operations playbook for Ghanaian lenders
A practical guide to running vehicle and appliance finance on a modern core: KYC, schedules, arrears, and repossession watchlists.
12 Aug 2026 · 9 min · Abena Owusu
Insights
The OrbitMFI blog
Operating notes for credit, collections, compliance, and digital channels — written for the people who run the book, not a generic SaaS audience.
Operating notes for credit, collections, compliance, and digital channels.
Featured · Hire Purchase
The hire purchase operations playbook for Ghanaian lenders
Featured · Hire Purchase
A practical guide to running vehicle and appliance finance on a modern core: KYC, schedules, arrears, and repossession watchlists.
How hire purchase companies in Ghana can digitize agreements, instalment schedules, asset registers, and repossession without losing field-officer control.
Read the playbook →Hire PurchaseComplianceCollectionsDigital BankingOperationsProduct
Compliance
Bank of Ghana microfinance compliance checklist for 2026
Month-end should not be a scramble. Use this checklist to keep prudential returns, NPL classification, and liquidity packs audit-ready.
21 Jul 2026 · 8 min · Kojo Ampah
Collections
How collections AI actually reduces PAR
Scores without queues change nothing. Pair early-warning models with SMS, USSD, and field-officer worklists.
18 Jun 2026 · 7 min · Efua Darko
Digital Banking
Digital KYC for MFIs: Ghana Card without the theatre
KYC is not a photocopier. Capture identity once, reuse it across loans, savings, and hire purchase.
9 May 2026 · 6 min · Yaw Boateng
Operations
Digitizing susu collectors without breaking trust
Keep the collector in the market. Move the card, the receipt, and the payout onto a phone that posts to the core.
22 Apr 2026 · 7 min · Akosua Frimpong
Operations
A multi-branch operating model for growing MFIs
Branches need autonomy for cash and customers, with a head office that still sees risk in real time.
30 Mar 2026 · 6 min · Michael Addo
Product
Core banking vs loan software: what growing lenders actually need
If you take deposits, run payroll, or finance assets, a loan tracker will not be enough.
14 Feb 2026 · 8 min · Abena Owusu
Operations
Payroll for financial institutions in Ghana: PAYE, SSNIT, and controls
Your staff are also a control environment. Payslips, PAYE, and SSNIT belong next to the GL.
19 Jan 2026 · 5 min · Lydia Sarpong
Digital Banking
Getting clients to actually use your portal and MoMo repayments
Portals fail when the balance is wrong. Get the ledger right, then teach, then incentivize digital repayments.
8 Dec 2025 · 6 min · Efua Darko
Collections
An early-warning playbook for keeping NPL below target
NPL is designed in origination, revealed in collections, and either cured or parked in recovery.
16 Nov 2025 · 7 min · Kojo Ampah
Product
Reducing balance vs flat rate: how Ghanaian lenders should choose — and disclose
The formula you pick is a product decision and a conduct decision. Here is how to price, disclose, and post both without confusing the ledger.
18 Sept 2026 · 16 min · Abena Owusu
Digital Banking
MoMo and Paystack reconciliation for MFIs: stop the 6 a.m. SMS to people who already paid
A webhook is not a reconciliation. Map references, instalments, and exceptions before you automate reminders.
4 Sept 2026 · 15 min · Efua Darko
Operations
Dual control for credit committees: encode the policy so the override is the exception
If every loan is an exception, you do not have a policy. Put limits in the core and make overrides leave a name.
28 Aug 2026 · 14 min · Kojo Ampah
Operations
Field-officer productivity without turning collectors into robots
Measure visits, promises kept, and cash-in — not steps. Give officers a queue they trust.
15 Aug 2026 · 13 min · Akosua Frimpong
Hire Purchase
GPS watchlists for asset finance: use location as an early warning, not a punishment
Location without a schedule is stalking. A schedule without location is hope. Put them on the same watchlist.
30 Jul 2026 · 14 min · Michael Addo
Compliance
A Ghana-ready chart of accounts for MFIs and hire purchase companies
If miscellaneous is your largest account, you do not have a chart. You have a junk drawer.
8 Jul 2026 · 15 min · Lydia Sarpong
Collections
USSD and WhatsApp in Ghanaian collections: cheap channels, expensive mistakes
A WhatsApp blast from a personal phone is not a channel. It is an unmonitored collector.
2 Jun 2026 · 13 min · Efua Darko
Operations
Migrating from spreadsheets to a core: a sequence that does not destroy PAR
Do not start with ten years of history. Start with live schedules and cashiers.
20 May 2026 · 16 min · Michael Addo
Digital Banking
White-label client portals for MFIs: brand is trust, the ledger is still yours
A pretty login page on a stale balance is worse than no portal. Brand the truth.
8 Apr 2026 · 12 min · Yaw Boateng
Compliance
Interest in suspense and NPL: stop accruing income you will not collect
Income that only exists on a spreadsheet is how capital gets surprise-eaten at year end.
12 Mar 2026 · 14 min · Kojo Ampah
Product
Group lending vs individual loans in Ghana: when the guarantee is real
A group that only exists at disbursement is not a guarantee. It is a disbursement party.
24 Feb 2026 · 13 min · Abena Owusu
Operations
The monthly board pack for a Ghanaian MFI: ten slides that are actually true
If the pack takes a week to assemble, it is already a historical novel. Pull it from posted data.
28 Jan 2026 · 12 min · Kojo Ampah
Operations
Teller cash, vault limits, and why mystery balances start at the till
If the till is a notebook, the GL is a rumour. Close cash against posted receipts before you argue about PAR.
14 Jan 2026 · 14 min · Abena Owusu
Compliance
Restructure, refinance, or hide? How Ghanaian lenders should treat distressed books
A new loan that pays off an old loan without a flag is how books look clean until they are not.
10 Jan 2026 · 15 min · Kojo Ampah
Digital Banking
When the market has no data: offline field officers, USSD, and honest sync
The collector cannot wait for MTN. The ledger cannot accept two copies of the same GH₵20.
7 Jan 2026 · 13 min · Yaw Mensah
Hire Purchase
Insurance lapses and silent GPS: the two ways an HP book loses the asset
The instalment can be current while the asset is uninsured and last seen two regions away.
4 Jan 2026 · 14 min · Abena Owusu
Compliance
Staff loans and related parties: the exposures examiners always sample
If the only way to list related parties is a memory of the credit committee, you are already late.
18 Dec 2025 · 13 min · Kojo Ampah
Operations
Complaints, radio call-ins, and conduct risk: treat them as a ledger
If the complaint file is a WhatsApp group, you will lose the argument with the customer and with the supervisor.
12 Dec 2025 · 12 min · Abena Owusu
Operations
A two-day month-end close for Ghanaian MFIs and HP companies
If close takes a week, the board pack is a historical novel. Sequence the work and pull it from posted data.
5 Dec 2025 · 16 min · Kojo Ampah
Product
White-label the portal, not the ledger: branding that still passes an examination
Customers should see your colours. Examiners should still see who posted the receipt.
28 Nov 2025 · 12 min · Abena Owusu
Watch
Product walkthrough
Ninety seconds through origination, collections, the client portal, and month-end — filmed as a visual tour of the operating model.
Step 1
Onboard with Ghana Card KYC
Capture identity, photos, and next-of-kin once. Reuse the file across loans, savings, and hire purchase.
Step 2
Originate and schedule
Price reducing-balance or flat-rate products, lock a schedule, and disburse with dual control.
Step 3
Collect in the market
SMS, USSD, MoMo, and field queues post to the same instalment so PAR is honest.
Step 4
Let customers self-serve
The client portal shows the live savings balance, loan due, and HP statement — then takes payment.
Step 5
Close the month on the same ledger
Provisions, MPR packs, payroll, and the GL share one book examiners can sample.
Put the playbooks into production
Start a 14-day trial or talk to sales about hire purchase, microfinance, and multi-branch cores.