Roles and permissions
Every person in your organisation has exactly one role. The role decides what the person can see and do. Your administrator chooses your role when inviting you and can change it later (see Administration).
The roles
| Role | Who it is for | In short |
|---|---|---|
| Proprietor | The owner of the organisation. | Everything an Admin can do, plus assigning an officer to an individual loan. Set up by the platform operator; it cannot be chosen when inviting someone. |
| Admin (shown as "Administrator" when inviting) | The person who runs the platform for the organisation. | Full access to the organisation: all operations, users, settings and set-up screens. |
| Branch Manager | Manages a branch. | Day-to-day operations end to end, the final loan approval, disbursement, savings payouts, inviting staff and organisation fee settings. |
| Area Manager | Oversees several branches. | Reviews and the middle loan approval, reports and the audit log. Does not capture applications, collections or contributions. |
| Collection Officer | Works in the field with clients. | Registers clients, captures loan applications, gives the first loan approval, records collections and savings contributions. |
| Viewer | Read-only users such as auditors. | Can look at clients, groups, loans and savings, but cannot change anything. |
Administrators can see the same information in the app: open Users, select a user, and scroll to Role Permissions Reference.
What each role can do
"Yes" means the role has the capability. A dash means it does not.
Clients and groups
| Capability | Proprietor | Admin | Branch Manager | Area Manager | Collection Officer | Viewer |
|---|---|---|---|---|---|---|
| View clients | Yes | Yes | Yes | Yes | Yes | Yes |
| Register clients | Yes | Yes | Yes | Yes | Yes | - |
| Edit clients | Yes | Yes | Yes | Yes | - | - |
| Delete clients | Yes | Yes | - | - | - | - |
| Import clients | Yes | Yes | Yes | - | - | - |
| View groups | Yes | Yes | Yes | Yes | Yes | Yes |
| Create groups | Yes | Yes | Yes | Yes | - | - |
| Edit groups | Yes | Yes | Yes | - | - | - |
| Assign a field officer to a group | Yes | Yes | Yes | Yes | - | - |
| Assign a field officer to a client | Yes | Yes | Yes | - | - | - |
Small Loans
| Capability | Proprietor | Admin | Branch Manager | Area Manager | Collection Officer | Viewer |
|---|---|---|---|---|---|---|
| View loans and applications | Yes | Yes | Yes | Yes | Yes | Yes |
| Create loan applications | Yes | Yes | Yes | - | Yes | - |
| Approve or reject applications | Any stage | Any stage | BM Review | ALM Review | CO Review | - |
| Disburse loans | Yes | Yes | Yes | - | - | - |
| Record collections for today | Yes | Yes | Yes | - | Yes | - |
| Record a collection for an earlier date | Yes | Yes | Yes | Yes | - | - |
| View delinquency | Yes | Yes | Yes | Yes | Yes | - |
| Assign a field officer to a loan | Yes | - | - | - | - | - |
Savings
| Capability | Proprietor | Admin | Branch Manager | Area Manager | Collection Officer | Viewer |
|---|---|---|---|---|---|---|
| View savings | Yes | Yes | Yes | Yes | Yes | Yes |
| Create savings goals | Yes | Yes | Yes | - | Yes | - |
| Record contributions | Yes | Yes | Yes | - | Yes | - |
| Process payouts | Yes | Yes | Yes | - | - | - |
Reports
| Capability | Proprietor | Admin | Branch Manager | Area Manager | Collection Officer | Viewer |
|---|---|---|---|---|---|---|
| View reports and Cash Management | Yes | Yes | Yes | Yes | - | - |
| Export reports | Yes | Yes | Yes | Yes | - | - |
Administration
| Capability | Proprietor | Admin | Branch Manager | Area Manager | Collection Officer | Viewer |
|---|---|---|---|---|---|---|
| Invite staff and cancel invitations | Yes | Yes | Yes | - | - | - |
| Change a user's role or deactivate a user | Yes | Yes | - (see note) | - | - | - |
| View the audit log | Yes | Yes | Yes | Yes | - | - |
| Tenant Settings: turn products on or off, product configuration, branding, custom fields | Yes | Yes | - | - | - | - |
| Countries | Yes | Yes | - | - | - | - |
| Fee settings (Settings, Account Creation tab) | Yes | Yes | Yes | - | - | - |
| Document types (Settings, Document Types tab) | Yes | Yes | Yes | - | - | - |
Branch Managers see the Users menu item, but the user list only loads for Admins and the Proprietor. Branch Managers add staff through Invitations.
Loan approval stages
A loan application passes through three approval stages before it can be disbursed. Each stage belongs to one role:
| Stage shown in the app | Who can decide it |
|---|---|
| CO Review | Collection Officer |
| ALM Review | Area Manager |
| BM Review | Branch Manager |
Admins and the Proprietor can decide an application at whichever stage it has reached, so one person can take it through all three stages. A role cannot act out of turn: an Area Manager cannot approve an application that is still waiting for CO Review.
Some organisations switch the approval chain off. New applications then go straight to BM Approved, ready to disburse. See Small Loans.
Field officers
Clients, groups and loans can have a field officer assigned. Any active user whose role is Collection Officer, Area Manager, Branch Manager, Admin or Proprietor can be chosen as the officer. Viewers cannot.
When your role changes
Menus are set when you sign in. After an administrator changes your role, sign out and sign in again to see the menus for your new role.
If you open a screen your role does not include, the page shows Access Denied. Contact your administrator if you believe your role is wrong.