I am really interested in this product. I would like to know if this script has a savings feature with interest. For example, can the admin create a plan where, once the user deposits money, it can stay locked for a certain period of time and accumulate interest? I’m looking for a feature that allows customers to lock their funds for a specific duration, during which the interest continues to accumulate based on the admin’s configuration.

I’d like to prevent an employee from accessing other employees’ transaction reports. In other words, I’d like to set up access controls so that the employee can only see their own transactions.

I’d also like to be able to filter reports by employee.

Is there a report per employee to verify the transactions made by that employee?

I think there needs to be more filtering capabilities in the reports. For example, in transaction reports, we would like to know which employee made a given transaction, i.e., have a report filtered by the name of the user who made it.

Dear team, I am trying to check where admin can assign Date of Joining to a member profile but not seen. Kindly advise

Hi,I purchased Credit lite script but I am unable to find license for installation.How do I find it

I am trying to adopt this solution for a non-interest based financing. The processes looks similar but diiferent concept. Unlike traditional loans, these products are structured around asset-based transactions where profit is earned through buying and selling or leasing, not interest. So while they may behave similarly to loans in the system (scheduled repayments, approvals, etc.), their accounting and contracts are different.

Let me explain some features:

1. Murabaha (Cost-Plus Sale)
How it works: The cooperative buys an item (e.g., generator, equipment) and sells it to the member at a known markup (profit).

System Needs:

- Capture item purchase details (supplier, cost price).

- Calculate selling price (cost + profit).

- Record the sale and repayment plan.

2.Auto/Asset Finance (Ijara or Murabaha based)
How it works: The cooperative purchases a car or equipment and either leases it (Ijara) or resells it with markup (Murabaha).

System Needs:

- Store asset details (VIN, registration, insurance).

- Option to track lease vs. sale.

- Schedule of payments and asset repossession logic.

- Profit recognized over time instead of upfront interest.

How it works: Profit-sharing or partnership agreements instead of interest-based credit.

3. Working Capital (Mudarabah or Musharakah)  
 

System Needs:

- Record capital contribution.

- Attach business/project proposal.

- Capture actual returns/profit and calculate the cooperative’s share.

- No fixed repayment schedules – flexible based on profit realization.

is there a way this current system can accomodate this features. Just little tweaking.

Feature Query/Request: Can certain Loan and Savings Products be restricted to certain branches only? Need this urgently.

Please enable MULTIPLE FILEs UPLOAD for loan applications by clients. Currently its just one file upload.

I have three questions.

Firstly, do you provide free updates? I have not gotten an update email since purchase.

Secondly, how do I install these updates without affecting current data?

Thirdly, this system is not secure because everytime I close browser, it does not logout and even 1 year after last login, if I visit the website again, I find that I am still logged in. How can this be improved IMMEDIATELY?

Cheers, Simon Uve

Hello, I want to change URL and move files to another sub-domain. How can I do this? Looking forward to your assistance in this regard. Cheers.

Why when you look at it on mobile, the app is not responsive?

Hello Hobby-Tech Team,

I hope this message finds you well.

I discovered that the four SMS gateways currently supported by your platform are not compatible with my requirements. It would be greatly appreciated if you could consider adding API support for eBulkSMS https://www.ebulksms.com/pages/php-sample-code.

Kindly let me know if this integration is possible, as I am ready to proceed with license purchases once it’s implemented.

Warm regards, Kayode

Dear Support Team,

We are a cooperative looking for a software solution to manage and settle services among our members. We are interested in your “Credit Lite SAAS” product and have a specific inquiry regarding its functionality:

Our Requirement:

Can member accounts show a negative balance through transactions? This is explicitly desired for our business model, as we want members to be able to receive services before making corresponding deposits or providing counter-services. We need precise tracking of all inflows and outflows on individual member accounts, with temporary negative balances explicitly permitted. Background: We operate a cooperative where members exchange and settle services among themselves. A flexible account system with the possibility of temporary negative balances would facilitate exchange and promote liquidity within the community.

We would appreciate detailed feedback on this functionality, as well as information on any necessary configuration steps or limitations.

Hi

We have issues with the following for the past 16 days now:

1. The loans balance is not showing correctly 2. Loan management view is showing error 500 on this page: admin/loans/6

When creating a new loan or when a member applies for a loan, it says to select Fee Deduct Account *...where and how do I set that up??

Is it possible to create multi-level approval flow based on amount and user roles

Request for Documentation to Address Common Issues

Hello Hobby Tech,

I’ve noticed several comments pointing out recurring issues, and I strongly believe that a simple and well-structured documentation could help resolve many of them.

Do you currently have any documentation that covers key areas such as installation requirements, installation procedures, application setup, and a user manual?

For a software product that has achieved over 300 sales, comprehensive documentation is not just helpful-it’s essential.

I look forward to your response.

Best regards, Kayode

Hello, what are the steps to transfer the license to another domain? Thank you for your response.

Hello, I’m trying to install the latest version but I’m getting 500 server error