You see which loan, which branch and which consultant. Then you close the leak before it grows.
Last month: 5 000 loans paid out.
R263 000 left your bank with no loan behind it. Where did it go?
Another R36 000 went out with no debit order loaded. The list is in your folder, by branch and consultant.
This is an AI check, not an audit. It recommends, you decide.
Example only. A made-up lender, with numbers scaled from what we found at one real micro-lender.
Is this happening at your branches? We show you every week and every month, so you can close the leak before it grows.
lent in one year, and none of it came back. We checked every loan against NuPay and the bank.
loans were paid out with no debit order loaded, and never paid back.
loans were shown as paid, with no money found at NuPay or in the bank.
loans were paid, but the loan system still showed them as owing.
Real figures from one client, rounded down. The name is kept private. Every lender is different, and not every finding is money lost.
Thousands of loans are too many to match by hand. Our AI does it for you.
We find the money leaking from your payouts, your collections and your branches. You see it while you can still close the leak.
Books, VAT, payroll, PAYE and UIF, NCR returns, CIPC and SARS. All in the same monthly service.
Pinda Ndamase CA (SA) looks over your numbers every month and prepares your annual financial statements.
We never touch your money. We show you what does not agree. You decide what to do.
We match all of last month, loan by loan: payouts, collections, branch cash and your bank. You see what a month with Hekima would have shown you.
A few minutes, to see if the check fits your business.
We WhatsApp you a one-page list after the call.
Once we have all your files. Pinda Ndamase CA (SA) takes you through them in 30 minutes.
Nothing to prepare now. We tell you exactly which reports on the call.
Five quick taps, then where to reach you. About a minute.
Rather WhatsApp? 061 544 4978
We call you from 061 544 4978, to see if the check fits.
You accept our confidentiality agreement.
You send last month's files.
Within 2 working days of getting all your files, your results are ready.
Pinda Ndamase CA (SA) takes you through them in 30 minutes.
It is for micro-lenders who earn R5 million or more a year.
That is the interest and fees you earn, not the money you lend out.
Your loans must run on a loan system, or through a debit order company such as NuPay.
Loans kept only on Excel or paper are not a fit.
No. We match your records and show you what does not agree.
We never touch your money, and we never set your lending rules.
You decide what to do with every finding.
You accept our confidentiality agreement before you send anything.
It covers your customers' information too.
We never sell or share it, unless the law requires it.
If you do not go ahead, we delete what you sent within 30 days of your results.
The check of last month is free, with no obligation.
If you want us every month after that, we give you the price when we take you through your results.
Hekima, chartered accountants and AI strategists.
Led by Pinda Ndamase CA (SA), a chartered accountant with more than 10 years of financial services experience. She worked in banking and capital markets at PwC South Africa, and at EisnerAmper in New York.