Group loan software — JLG and SHG lending
Group lending is not individual lending with a label. The group is the unit that meets, pays and guarantees, but the loan and the arrears still belong to members — and the software has to hold both truths at once.
What usually gets in the way
- ✕Group collections split back to members by hand
- ✕No member-level arrears inside a group that is "paying"
- ✕Centre meetings recorded on paper
What Byaj Batta does about it
Groups and members
A group with its members, leader, centre and meeting day, and members' individual records intact underneath.
Group or member loans
Lend to the group as one loan, or to members individually within the group, whichever the methodology requires.
Collect for the whole group
One screen to take the day's collection for every member of a group, rather than opening each loan.
Member-level arrears
Overdue tracked per member inside the group, so a shortfall is attributed rather than averaged away.
Built AI-native, not AI-bolted-on
Tezu, the built-in AI agent, answers questions about your own book in plain language, and AI import reads whatever spreadsheet you already keep — mapping arbitrary column headings onto customers, loans and deposits — so moving in does not mean retyping years of records.
See how the AI works →Frequently asked
Can I lend to a group and to its members separately?
Yes. A loan can be issued to the group itself or to individual members within the group.
How is a group collection recorded?
A single collection screen lists every member of the group with what is due, so the whole centre is collected in one sitting.
Does it track which member is behind?
Yes. Dues and arrears are tracked per member, not only at group level.