Challenge
Branches and institutions needed to replace paper-based fund operations with a unified, auditable system that meets banking security and regulatory standards without sacrificing usability.
Financial & Banking Systems
Hamrah Bank Qard al-Hasan Fund Platform
Digital Qard al-Hasan fund management within banking — onboarding, loans, installments, and executive reporting.
Project story
Hamrah Bank Qard al-Hasan Fund Platform
The Hamrah Bank Qard al-Hasan Fund platform is a digital system for managing the full lifecycle of interest-free savings funds within a banking environment — from member onboarding and share payments to loan requests, document approval, installment schedules, and executive reporting.
KGSM solution
• Web portal and mobile app for members and fund administrators
• Online registration, multi-step KYC, and member file management
• Automated share, equity, and loan-limit calculations based on fund rules
• Loan approval workflows with manager, accountant, and supervisor roles
• Installment generation, repayment tracking, and due-date notifications
• Management dashboard with financial reports, charts, and Excel/PDF exports
• Integration with core banking and payment gateways for deposits and withdrawals
Technology
Layered architecture with Laravel, secure REST APIs, encryption of sensitive data, full audit trails, and high concurrency support during peak hours.
Result
Loan requests and installment schedules moved from a multi-day paper path to same-day posting in the fund panel. Managers pull Excel and repayment status from the same document — no branch phone chase.
Services this story was built from
Custom financial software
Financial software with documents, settlement, reports, and accounting links — not a nightly spreadsheet.
API development and system integrations
Gateways, core banking, and finance APIs with the transaction status on the same document.
Custom organizational systems
Custom systems for sales, finance, CRM, and operations in growing companies — not a generic template.
The industry solution
The industry page writes the same workflow as a version-one solution.
Industry solution
Custom software for finance companies
KGSM finance-company systems: vouchers, settlement, roles, and gateway links — a locked version one, not a generic package.
Full system write-up Industry solution Custom accounting systemsKGSM custom ledgers when settlement rules outgrow a package: vouchers, periods, logs, exports.
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