Small and Medium Enterprise Foundation (SMEF) has built the mobile app for Credit Wholesaling Operation and Management System (CWMS) for Monitoring their disbursed loans and repayments for both Partner Financial Institutions (PFI) and entrepreneurs.
Considering the fact that SMEs do not get loans from the banking sector due to lack of capacity, experience, documentation, collaterals etc. SMEF designed the Credit Wholesaling Program under which collateral free single digit interest loans are given to the targeted entrepreneurs of selected clusters, sectors and clientele groups through PFIs. In this program, preference is given to Small & Women Entrepreneurs who are mainly out of Dhaka.

This app is not restricted to users from a single company. It is designed to be accessible to a broad range of users across various organizations, allowing flexibility for different types of users, including partners, employees, contractors, and the general public, depending on their needs and permissions. This open accessibility ensures that the app can be utilized by a diverse set of users without limitation to a specific company or organization.

User accounts are created exclusively by the organization. Accounts are provisioned for specific users based on their roles and requirements within SMEF Bangladesh. There is no option for self-registration; all accounts are set up and managed centrally by the organization to ensure security and proper access control.

There are no paid functionalities within the app for users. All features and services are provided at no cost to the users, ensuring that access to the app's capabilities is fully covered by the organization. Users do not incur any charges for opening an account or using any features within the app.
This app collects user account information, including name, role, and usage data, for authentication and operational purposes. Data is securely stored and managed by SMEF Bangladesh, and users can request account deletion via [email protected] .