Arrears and aging
How much of your book is overdue and for how long: the four arrears buckets.
A loan being overdue is one thing; being three months overdue is another thing entirely. This report splits your overdue book by age of the delay, which is the most honest signal of whether you will get that money back.
Use it to prioritise the day's collections (start with what is rotting fastest), to decide what to write off, and to spot which collector is letting arrears slip.
Available on Gold and Premium, and an agent needs the reports:read permission. The owner always sees it.How to use it
Go to Reports → Arrears. The only filter is As of; empty means today.
The numbers at the top
Figure | What it means |
|---|---|
Arrears amount | The late-payment surcharge on every overdue installment of each loan, each one counted from its own due date. It is a projection as of the cut-off date: not collected, not posted to the books. |
Overdue balance | What it takes to catch up: every overdue installment plus its arrears. A loan with three late installments contributes all three. |
Overdue loans | How many loans are in arrears at the cut-off date. |
By bucket
The four buckets are fixed and always shown (even at zero), measured in days overdue:
Bucket | Loans | Overdue balance | Arrears amount |
|---|---|---|---|
1-30 days | How many loans are up to a month late | Overdue installments + their arrears, for the loans in the bucket | Arrears in the bucket |
31-60 days | ” | ” | ” |
61-90 days | ” | ” | ” |
90+ days | ” | ” | ” |
What to watch: the weight of the 90+ bucket. If your balance concentrates there, you have a recovery problem, not a lateness problem.
By collector
The same information, split by the assigned collector of each loan, with or without access to the platform (plus the Unassigned / office row for unassigned loans). An agent who opens the report sees only their own overdue portfolio. Sorted by overdue balance, highest first: the collector with the biggest arrears shows up at the top. Each row carries Loans, Overdue balance and Arrears amount.
Where these figures come from
The arrears in this report are computed with the same engine as the app's arrears screen. That is deliberate: the report and the day-to-day can never say different things. If a loan has a single overdue installment and Arrears shows RD$ 1,200 of arrears, it contributes RD$ 1,200 here. If it has several, Arrears shows the arrears of the installment due for collection and this report adds up all of them; its overdue balance is the same To catch up amount you see on the loan's page.
Arrears are projected at query time: they are not frozen and stored, they are recomputed. That is why the same loan contributes more arrears tomorrow than today if it stays unpaid.
Edge cases
- No overdue loans: the report does not fail; it shows the four buckets at zero and the message No overdue loans at this cut-off.
- Grace days: a loan whose installment is past due but still inside its grace days does show up, in the bucket its days overdue put it in, with its installment in the overdue balance and zero arrears. Arrears start counting when the grace runs out.
- Past cut-off date: days overdue and arrears are computed at that date, but which loans were overdue is decided by their status today. It is an approximation: a loan that was overdue that day and is now up to date, paid off or archived does not appear. For the exact principal at a month-end close, use the portfolio report.