Before implementing Musoni, Qupa faced major operational challenges. Their legacy systems created bottlenecks, making even routine updates complicated. Most importantly, loan approvals took days, time their clients often facing emergencies, couldn’t afford. As a mission-driven MFI, Qupa knew something had to change.
They weren’t after just another system upgrade. Qupa was seeking a full transformation in how they served their community. After evaluating several platforms, they chose Musoni’s cloud-based, API-first system not only for its robust capabilities but for the flexibility to bring their vision of modern microfinance to life.
Musoni stood out for more than just our cloud core banking system. With a strong track record in Zimbabwe and a solid reputation among MFIs in the country, Musoni was the clear choice. Our local credibility in the microfinance sector, backed by over 10 years of proven reliability, gave Qupa the confidence they needed to take the leap into full digitalisation.
The implementation journey exceeded all our expectations. Rather than relying heavily on external support, Qupa’s team took initiative, studying Musoni’s documentation, testing features, and configuring workflows independently. Their deep understanding of both their business needs and the Musoni platform made for a seamless integration.
With a strong digital foundation in place, Qupa introduced their Nano loan product providing small, fast loans perfect for school fees, medical emergencies, or restocking a small business. A key success factor? Qupa took full ownership of their transformation, combining technical know-how with a deep understanding of their client needs.
“They didn’t just implement a system, they built their future on top of our platform. It’s rare to see that level of initiative and clarity from any organisation, let alone one managing such a complex migration,” said Noeleen Nakuhmwa, Musoni Implementation Specialist
Leveraging this foundation, Qupa now uses the Musoni loan module to support both individual entrepreneurs and community-based lending circles, broadening their reach and deepening their impact across multiple client segments.
Using Musoni’s Open APIs, they migrated their entire client base of 23,000+ clients with zero downtime, zero data loss, and zero disruption. A process that takes many MFIs months, Qupa accomplished in a short time.
This same API-first architecture also empowered Qupa to enhance client access and deliver on their promise of convenience. By seamlessly integrating with third-party systems, they were able to roll out customer-facing innovations, including:
- Mobile Banking Integration: They integrated USSD and internet banking, making it possible for clients to apply for loans, receive funds, and make repayments directly from their mobile phones. No office visits. No paperwork. No waiting.
- Real-Time Payment Processing: They integrated Ndasenda for real-time payment processing, eliminating the uncertainty that comes with traditional payment methods.
“Before, our clients had to visit our offices, fill out forms, and wait days for loan approval. Now they can get a Nano loan approved and funded in minutes, right from their mobile phone. This isn’t just convenience, it’s life-changing for people who need emergency funds for school fees or medical expenses,” said Lackson Chikede, Operations Manager, Qupa
Today, Qupa serves over 23,000 clients through a fully digital infrastructure. Loan processing that once took days now happens in minutes. They didn’t have the biggest budget or longest track record, but they had vision, capability, and commitment. They’ve shown what digital microfinance can truly look like, not just in theory, but in action.
Want to be the next success story? Let’s talk about how Musoni can help you serve your clients better, faster, and more efficiently with technology that works for you.