Digital Transformation for Microfinance

A powerful platform designed for institutions licensed by the Central Bank of Liberia (CBL). Comprehensive digital tools for savings, lending, accounting, and CBL compliant financial reporting — all from a single, secure system.

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Platform Capabilities

Everything your financial institution needs to operate digitally, securely, and at scale

All-in-One Platform

Manage your entire institution from a single integrated system. Savings account management, loans, accounting, and reporting work together seamlessly — no more juggling spreadsheets and disconnected tools.

  • Single integrated dashboard
  • Unified customer records
  • Seamless module integration
  • No duplicate data entry

Savings Account Management

Open savings accounts with KYC compliance, manage dual-currency accounts (USD/LRD), and offer variety of saving schemes.

  • Account opening
  • Configurable savings schemes
  • Dual-currency support
  • Printable receipts

Loan Origination & Servicing

End-to-end loan lifecycle: client registration, application, approval workflow, disbursement, repayment scheduling, and payment confirmation.

  • Standard & special loan types
  • Approval & rejection workflow
  • Repayment scheduling
  • Loan agreement generation

Double-Entry Accounting

Built-in chart of accounts, general ledger, trial balance, capital investments, and financial reporting — all with automatic journal entries.

  • Chart of accounts
  • General ledger & trial balance
  • Expenditure management
  • Automated Financial reporting

Role-Based Access Control

Granular permissions with Admin, CFO, Cashier, and Teller roles. Sidebar menus adapt automatically so each staff member sees only the functions they're authorized to use.

  • Four predefined staff roles
  • Role-Based Access Control
  • Secure staff authentication
  • Protected account credentials

Smart Integrations

Automated SMS notifications, real-time dashboard with visualizations, and ready for mobile app connectivity.

  • SMS notifications (optional)
  • Real-time dashboard analytics
  • Data visualizations
  • Mobile app integration ready
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About MICROPAS

MICROPAS is a Transaction Processing System built for Non-Bank Financial Institutions (NBFIs) — including microfinance institutions, credit-only lenders, deposit-taking MFIs, and credit unions. We are not a microfinance institution ourselves; we are the technology platform that brings digital transformation to the microfinance sector.

Our platform provides a complete suite of digital tools: savings and account management, loan origination and servicing, double-entry accounting, financial reporting, expenditure tracking, and SMS integration — all within a secure architecture where your institution's data remains fully private.

All-in-
One

Platform

Dual-
Currency

USD & LRD Support

64+ API
Actions

REST Endpoints

Why Choose MICROPAS

The platform advantages that set your institution up for success

Reduce Operational Costs. Digitize your entire workflow — from account opening to loan disbursement and accounting. Eliminate paper-based processes, human errors, and redundant data entry with an integrated platform that automates your core operations.

Operational Efficiency

Automate & Scale

Enterprise-Grade Security. Your data is protected with industry-standard encryption and access controls. Comprehensive security measures ensure your institution's sensitive financial information stays private and secure at all times, so you can focus on serving your customers with confidence.

Data Security

Isolation & Encryption

Built to Scale. Start small and grow confidently. The platform handles increasing transaction volumes and expanded operations without slowdowns — so your system stays fast and reliable as your institution grows.

Infinite Scalability

Grow Without Limits

Piko Inc.
Piko Inc.

Simple, Transparent Pricing

Everything you need to run your institution — one affordable plan

Annual License

$100/year

Full access to the complete platform — savings and account management, loan origination and servicing, double-entry accounting, financial reporting, expenditure tracking, and SMS integration. No hidden fees, no per-user charges.


+ 0.5% Transaction Fee

Applied only on loan disbursement transactions


+ SMS Add-on (optional)

Automated customer notifications. Priced separately — contact us for details.

Get Started

Ready to Digitize Your Institution?

Trusted by CBL-licensed institutions across Liberia

Quick Onboarding

Get your institution up and running in minutes with our streamlined onboarding process

Fully Configurable

Customize savings schemes, loan products, chart of accounts, and role permissions to match your operations

Dedicated Support

Receive training, documentation, and ongoing technical support to ensure smooth adoption

Get In Touch

Interested in bringing MICROPAS to your institution? We'd love to hear from you.

Contact Information

Our Address

Monrovia, Liberia

Business Hours

Monday - Friday: 9:00 AM - 5:00 PM
Saturday: 9:00 AM - 2:00 PM

Request a Demo