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.

Project 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.

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

Technical highlights:
Layered architecture with Laravel, secure REST APIs, encryption of sensitive data, full audit trails, and high concurrency support during peak hours.

Outcome:
Faster loan processing, greater transparency for members, and easier supervisory control — a professional, trustworthy experience for end users.