Accounting for MFO and MCC. What is the advantage of RG-Soft when implementing 1C: Management of a microfinance organization and a credit consumer cooperative? 1s mfi control

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Express Accounting LLC is an accredited provider of the Skolkovo technopark

The Express Accounting company is accredited as a provider of accounting services for the Moscow technopark Skolkovo.
The work standards applied by Express Accounting fully correspond to the spirit of the innovative business community, and high-quality outsourcing of accounting functions will allow the technopark residents to develop their ideas in the most convenient environment in terms of the business climate.

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http://raexpert.ru/ratings/outsourcing/2016

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Express Accounting LLC is included in the ranking of the largest Russian groups and companies.

As part of the annual project "Russian Audit and Consulting", according to the results of 2016, the company "Express Accounting" takes the leading places in the ranking of the largest Russian consulting groups and companies:
- 31st place in the direction of "Outsourcing of accounting functions";
- 2nd place in the direction "Preparation financial reporting(RAS)"
http://raexpert.ru/ratings/outsourcing/2016

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OOO KadrStroyService Review scan

We are very happy to have you as part of our team. We appreciate the time you devote to your work. We appreciate everything you do and look forward to further fruitful cooperation!

Working with you since 2014, we are grateful for your cooperation and understanding on your part. We are very pleased with the competent and professional approach in resolving issues related to our company. You solve any issues promptly and quickly, offering various options that best suit us. We are very happy to have you as part of our team. We appreciate the time you devote to your work. We appreciate everything you do and look forward to further fruitful cooperation!

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Alfa Bank OJSC expresses gratitude and gratitude to the employees of Express Registrar LLC for efficient work.

Alfa Bank OJSC expresses gratitude and gratitude to the employees of Express Registrar LLC for their efficient work within the framework of our joint cooperation. In addition to high professionalism, creativity in work and understanding of the customer's needs, I would like to especially note the ability of the company's employees to look at the desired result through the eyes of the client. We recommend Express Registrator LLC as a reliable partner.

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Would like to note high level professionalism of your team, quality service and flexible approach to clients.

Business Development Center No. 1798 of the Moscow Bank of Sberbank of Russia expresses its gratitude for the partnership between our Companies in terms of providing services to legal entities in the field of registration of organizations, amendments and accounting services. I would like to note the high level of professionalism of your team, quality service and flexible approach to clients, as well as great experience in registering companies.

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JSC "Moscow Fashion House Vyacheslav Zaitsev" thanks the company "Express Registrar"

JSC "Moscow Fashion House Vyacheslav Zaitsev" thanks the company "Express Registrar" and personally a lawyer for registration legal entities Grebenkin Alen for the high professionalism shown during the opening and registration of LLC "Pride" (cafe-boutique "Temptation").

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We assure you that we will recommend you to other organizations, including residents of the Skolkovo Foundation.

Our appeal to you is dictated by the desire to note the professional work of the employees of your company Express Registrar LLC, in particular Alena Grebenkina, who clearly carried out the reorganization in the form of the transformation of our company. We would like to note that all issues that arose while working with our company were resolved at a high professional level.

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Administration of the urban district of Anadyr Review scan

We express confidence in further fruitful cooperation.

The administration of the city district of Anadyr expresses its gratitude to Express Registrator LLC and personally to lawyer Vadim Borisovich Kireev for their assistance in registering the official website and prompt resolution of all emerging issues. We express confidence in further fruitful cooperation.

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All maintenance tasks accounting and the submission of reports were resolved competently and on time, which allows me to evaluate the work as professional and responsible.

LLC "IKT Management" has been cooperating with the accountant of LLC "Express Accounting" Lyubov Olennikova since 2014. During this time, all accounting and reporting tasks were solved competently and on time, which allows me to evaluate Lyubov's work as professional and responsible. I would especially like to emphasize her attentive attitude to the requests of our company and prompt answers to questions, which allows us to avoid inaccuracies and errors. I hope for a long-term cooperation with the accountant Lyubov Olennikova and Express Accounting.

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During her work, Lyubov Andreevna Olennikova has established herself as an enterprising, responsible and reliable specialist, able to perform assigned tasks in deadlines.

During her work, Lyubov Andreevna Olennikova has established herself as an enterprising, responsible and reliable specialist, able to complete assigned tasks on time. She proved that she is able to make decisions in difficult situations and be responsible for the result of her activities. Friendly and communicative. Hardworking, high performance. Lyubov Andreevna is a non-conflict person, has a desire to improve her professional level, a high level of diligence, responsibility and attentiveness, well-developed mathematical and analytical skills.

The industry solution "1C: Management of a microfinance organization and a credit consumer cooperative" is intended for the comprehensive automation of the activities of microfinance organizations and credit consumer cooperatives: providing activities for the provision and attraction of funds, maintaining accounting and tax accounting all business transactions of microfinance organizations (MFIs) and credit consumer cooperatives (CCCs) on the Unified Chart of Accounts (CPC), reporting in accordance with industry accounting standards (OSBU) approved by the Bank of Russia.

The configuration provides the following tasks:

Providing loans

Development of a line of Financial products - types of loans provided;
Preliminary calculation of the loan schedule;
Maintaining a database of clients and their personal data;
Preparation of applications for granting a loan;
Assessment of the creditworthiness of a potential borrower;
Checking against the database of invalid passports, as well as against the database enforcement proceedings Federal Service bailiffs;
The process of approving the application and making a decision by the underwriter;
Calculation of statistics of approved and rejected applications;
Formation of a loan on the basis of an application with the possibility of limiting the actions of the manager to adjust the key terms of the loan;
Calculation of loan payment schedules with various options repayments (differentiated, annuity payment, fixed payments, at the end of the contract);
Payment full cost consumer credit/loan (PSZ);
Printing basic information on the loan agreement, as well as the loan agreement itself in MS Word format with filling in the details from the program according to the customized template;
Automatic creation of documents for issuing a loan;
Automatic calculation of interest, commissions and penalties on loans;
Acceptance of funds to repay a loan with automatic breakdown of the amount of payment by type of payment with the formation of payment documents;
Changing the terms of the loan - additional agreements. Storage of the history of changes;
Report on the analysis of loans with control over the amount of principal, accrued interest, repayment of principal and interest accurate to the day;
Formation of the Payment portfolio;
Analysis of deviations from return schedules;
Accounting for interaction with customers (planning and fact of making calls, meetings, emails, etc.) with the ability to display the history of actions;
SMS and e-mail distribution.

Dealing with arrears

Reports on the analysis of overdue debts: amounts, terms;
Accrual of provision for loans;
Possibility of deferring and resuming the accrual of penalties;
Maintaining a stop-list of borrowers (prohibition of paperwork);
Suspension of accrual of interest, commissions;
Making a claim;
Preparing documents for submission to court statement of claim, calculation of the claim);
Loan restructuring;
Writing off a problem loan;
Assignment of claims.

Fundraising

Preparation of a preliminary application from a potential investor;
Indication of the conditions for raising funds;
Registration of the actual receipt of funds;
Automatic calculation of interest and membership fees;
Reflection of the refund;
Replenishment and withdrawal of personal savings at any time;
Interest capitalization;
Changing the conditions for raising funds with the ability to store the history of changes;
Automatic prolongation of the term of attracted funds;
Calculation of personal income tax deductions.

Reporting

Report on microfinance activities of MFIs and CCPs.
Report on the personal composition of the bodies of the IFO and the CPC.
Coding transactions and generation of a report in accordance with Directive No. 3719-U "On the reporting of non-bank financial organizations on transactions with cash".

Automation of internal control for AML/CFT purposes

Documenting the execution of tasks for internal control for AML/CFT purposes;
Checking clients for involvement in extremist activities or terrorism;
Compliance Assistant for Compliance with AML/CFT Internal Control Duties.

Features of regulated accounting

accrual interest income subject to the requirements of Bank of Russia Regulations 2015 No. 493-P and 501-P;
Formation of sectoral financial statements of the Bank of Russia for MFIs and CPCs;
Accounting for individual departments.

Choose a solution for your specific tasks

1C: Management of a microfinance organization and a credit consumer cooperative	PROF	CORP
Developed on the basis of the standard solution "1C: Enterprise 8. Accounting for non-credit financial organization»	PROF version	CORP version
Accounting for separate departments
Configuring auto-closing list rules personal accounts according to the given rules.
Uploading memorial orders to a file
Creating an arbitrary directory in 1C:Enterprise mode and specifying the value of an arbitrary directory in the settings for opening personal accounts.
Quantity at the same time existing agreements loans issued and attracted	Limited - 3 thousand of each type	Not limited

Name	Price
1C:Enterprise 8. Management of MFIs and CPC PROF	45 000 rub.
1C:Enterprise 8. Management of MFO and PDA PROF for 5 users	RUB 81,000
1C: Management of MFIs and CPC PROF. Client license for 1 w.m.	12 600 rub.
1C: Management of MFIs and CPC PROF. Client license for 5 r.m.	43 200 rub.
1C: Management of MFIs and CPC PROF. Client license for 10 rub.	RUB 82,800
1C: Management of MFIs and CPC PROF. Client license for 20 rub.	RUB 156,000
1C:Enterprise 8. Management of MFIs and CPC CORP	150 000 rub.
1C: Management of MFIs and CPC KORP. Client license for 1 w.m.	RUB 15,750
1C: Management of MFIs and CPC KORP. Client license for 5 r.m.	54 000 rub.
1C: Management of MFIs and CPC KORP. Client license for 10 rub.	RUB 103,500
1C: Management of MFIs and CPC KORP. Client license for 20 rub.	RUB 195,000
1C: Management of MFIs and CPC KORP. Client license for 50 rub.	RUB 468,000
1C: Management of MFIs and CPC KORP. Client license for 100 rub.	RUB 900,000

The expansion of the number of automated jobs is carried out by purchasing (for 1, 5, 10, 20, 50, 100, 300, 500 jobs), client licenses "1C: Management of a microfinance organization and a credit consumer cooperative" (for 1, 5, 10, 20 workplaces for the PROF version and for 1, 5, 10, 20, 50, 100 workplaces for the CORP version).

The number of purchased licenses for using the configuration "1C: Management of a microfinance organization and credit consumer cooperative" and the platform "1C: Enterprise 8" is determined based on the need for the maximum number of simultaneously working users with this configuration.).

To use this application solution in the client-server version, you need a license for the 1C:Enterprise 8 server.

Service maintenance software products containing the configuration "1C: Management of a microfinance organization and a credit consumer cooperative" and user support in terms of working with the "1C: Enterprise" platform is carried out under the contract of Information and technological support "1C: Enterprise" with the activated service 1C: ITS Industry 2- th Category for the PROF version and 1C: ITS Industry 3rd Category for the CORP version.

When purchasing any 1C:Enterprise program (except for basic versions) in in the usual way or according to the upgrade scheme, users have the right to choose one of the preferential support schemes:

Apply for a grace period of support equal to 3 months at no additional charge.
Issue for 12 months according to the 8 + 4 scheme, in this case, the user pays for 8 months and receives 4 months of preferential support at no additional charge.

Microfinance is serious business! Our approach to creating a software product has absorbed the experience of many organizations in the non-banking sector. This made it possible to create a simple and reliable and, at the same time, a complete solution for automating all stages of issuing and receiving loans and borrowings.

Developed on the 1C:Enterprise 8.3 platform, the 1C-Rarus:Microfinance organization, edition 1 software product helps to organize information base activities of MFI employees based on modern and efficient technology.

The software product is designed to maintain operational records of the activities of microfinance organizations, consumer cooperatives and collection companies.

Functionality

Management of loans issued:

Maintaining a database of clients and their personal data.
Automation of pre-contractual work on the conclusion of the contract: calculation of the payment schedule (calculator).
Registration of a full package of documents of the borrower (loan agreement, guarantee, pledge, payment schedule, execution of additional agreements on existing loan agreements).
Calculation of the total cost of consumer credit (loan) (TCP).
Formation of various printed forms (payment schedule, additional agreement, loan agreement, borrower's questionnaire, etc.).
Maintenance of the contract: Accrual of interest on loan agreements, penalties.
Registration of the issuance of funds under a loan agreement and receipt of payments on debts from borrowers.
Formation of reserves for possible losses and doubtful debts.

Management of loans received:

Automation of work on the conclusion of an agreement with the lender to raise funds.
Ability to charge interest in a simple way as well as capitalization.
Additional reports (report on planned payments to the DS, register on contracts, report on debt on loans received).
Ability to add your own printables.

Accounting for shareholders in the CCP:

Entering balances of shares.
Entry/departure of shareholders.
Accrual of dividends, accrual of membership fees.
Ability to add additional processing.

underwriting:

Data validation individuals based on data from the Federal Migration Service and the Federal Bailiff Service of the Russian Federation.
Verification of information on participation in extremist activities (115-FZ).
Evaluation of the borrower using the scoring card mechanism and compliance with formal and basic requirements.
Exchange of CI with BKI (NBKI, Russian Standard (SKB), Equifax, Skorista).

Integration mechanisms:

Cash management.
Exchange with a bank client.
Data exchange on loans with a typical configuration 1C: Enterprise Accounting 3.0.
Data exchange with the configuration on the EPS "".
Exchange with the Teleport system.

Collection accounting:

Working with problem contracts, viewing the history of contracts.
Stop/Resume Accrual of Interest and Penalties
Calculation of state duty, statement of claim, performance list
Restructuring and writing off problem loans.
Preparation of documents for the transfer of problematic loan agreements to the court.

Regulated and analytical reporting:

Report on the activities of a microfinance/microcredit company.
Report on the activities of the CPC.
Report on the personal composition of the governing bodies.
Information about the types and amounts of transactions with cash.
Register of loan agreements.
Analysis of debt on loans.
Loan repayment plan.
Documentation under the contract.
Marketing report.
Report on sold contracts.

Additional functions:

Setting up user access rights: (Operator, Security Service, Manager, Full rights).
Formation of sms-notifications and mail messages for clients.

Additional modules (paid):

Exchange of credit histories with Equifax credit bureaus (module "Communication with Equifax" is sold separately).
Exchange of credit histories with the bureau of credit histories "NBKI" (module "Communication with the NBKI" is sold separately).
Exchange of credit histories with the bureau of credit histories "Russian Standard" (module "Communication with CBI "Russian Standard" is sold separately).
Communication with the scoring system "Skorista" (module "Communication Skorista" is sold separately).
Integration with Softphone telephony (1 license is included in the price, additional licenses are sold separately).

Program Benefits

The program was created taking into account the latest developments of the 1C company on the mechanism of managed forms.
Implementation of the full cycle of work of a microfinance company: from the assessment of the borrower to the repayment of the loan and the formation of regulated and analytical reporting.
Exchange of credit histories with Equifax, NBKI, Russian Standard credit bureaus.
Work in a single database, including through a web interface.
The ability to automatically upload data to "1C-Rarus: Non-credit financial institution" for the formation of postings for the EPS.
Possibility of flexible customization of the program for the specific needs of the company.
Modern interface "Taxi".

Other

Package Included: universal box, CD-ROM with the distribution kit of the program, an envelope with pin codes for software protection (The product is equipped with three pin codes), registration form, user manual.

The owner of the industry solution "1C-Rarus: Microfinance organization, edition 1. Main supply" is 1C-Rarus Specialized Solutions LLC (TIN 7727303917).

Licensing

Attention! To scale and expand the number of jobs, you can purchase additional licenses.

Support

MFI technical support
Technical support is a necessary and useful service for companies that have purchased a boxed solution "". Subscribe to technical support will allow users to avoid the most common mistakes at the installation stage, as well as help to quickly learn the program and ensure prompt receipt of advice and updates.

When purchasing the solution "1C-Rarus: Microfinance organization rev. 1", the client receives as a gift a version of "PROF" technical support for 3 months. To extend the service, purchase the Basic, PROF or CORP support package and select the Discount or Standard option.

"Standard" support involves the purchase of a license for services at the standard cost specified in the price list.

"Preferential" support is provided only to those companies that continuously renew their support services.
Licenses for technological support "1C-Rarus: Microfinance organization, edition 1. Basic supply"

Licensing Features

The software product is not an independent program and is designed to be used in conjunction with the 1C:Enterprise 8 platform.

To work in multi-user mode, users must have licenses for "1C-Rarus: Microfinance organization, edition 1" and 1C:Enterprise 8 client licenses» for the corresponding number of jobs.

To work in client-server mode, users must have server licenses.

List of licenses

Name	Price
Microfinance organization, edition 1. Additional license for 1 workplace	6 300 rub.	Buy
Microfinance organization, edition 1. Additional license for 5 workplaces	21 600 rub.	Buy
Microfinance organization, edition 1. Additional license for 10 workplaces	RUB 41,400	Buy
Microfinance organization, edition 1. Additional license for 20 workplaces	78 000 rub.	Buy
Microfinance organization, edition 1. Additional license for 50 workplaces	RUB 187,200	Buy
Microfinance organization, edition 1. Additional license for 100 workplaces	360 000 rub.	Buy
1C-Rarus: Microfinance organization, edition 1. Technological support Basic (12 months) Preferential	20 000 rub.	Buy
1C-Rarus: Microfinance organization, edition 1. Technological support Basic (12 months) Standard	30 000 rub.	Buy
1C-Rarus: Microfinance organization, edition 1. Technological support PROF (12 months) Preferential	36 000 rub.	Buy
1C-Rarus: Microfinance organization, edition 1. Technological support PROF (12 months) Standard	54 000 rub.	Buy
1C-Rarus: Microfinance organization, edition 1. Technological support PROF (6 months) Preferential	20 000 rub.	Buy
1C-Rarus: Microfinance organization, edition 1. Technological support PROF (6 months) Standard	30 000 rub.	Buy
1C-Rarus: Microfinance organization, edition 1. Technological support CORP (12 months) Preferential	90 000 rub.	Buy
1C-Rarus: Microfinance organization, edition 1. Technological support CORP (12 months) Standard	135 000 rub.	Buy
1C-Rarus: Microfinance organization, edition 1. Technological support CORP (6 months) Preferential	50 000 rub.	Buy
1C-Rarus: Microfinance organization, edition 1. Technological support of CORP (6 months) Standard	75 000 rub.	Buy

Releases

Today, 24.6.2019, the release was published:
1.1.11.2

Release composition:

(519236 Kb)
(168554 Kb)

Short description:
Improved functionality:
- Starting with release 1.1.11.1, the possibility of breaking through the check has been implemented. More detailed information on the check parameters that can be set can be found in background information documents in which the check is punched, as well as in the photo[...]
Today, 18.6.2019, the release was published:
1.1.11.1

Release composition:

(519216 Kb)
(286292 Kb)

Short description:
New in version:
- In connection with the use of the typical functionality of the company "1C" in the program, in order to receive updates from release 1.1.11.1, you must have a valid contract 1C: ITS!
- Integrated BPO subsystem. Added work with connected equipment[...]
Today, 6.2.2019, the release is published:
1.1.10.15

Release composition:

(200283 Kb)
(63396 Kb)

Short description:
New in version:
- Added printable standard contract loan issued under the template "SRO Unity".
- Added processing "Identification of cases of refusal to execute the client's order to complete the operation (Regulation of the Central Bank of the Russian Federation No. 639-P of 30.03.2018[...]
Today, 28.1.2019, the release was published:
1.1.10.8

Release composition:

(199882 Kb)
(62950 Kb)

Short description:
New in version:
- AT loan product added the ability to install a separate interest rate during the grace period.
- Added the ability to set penalties separately for a loan product.

Improved functionality:
- Updated rules about[...]
Today, 12/24/2018, the release was published:
1.1.10.1

Release composition:

(199798 Kb)
(64863 Kb)

Short description:
New in version:
- BKI Equifax module. Improvement of integration for a new version of TLS interaction. Finalization of the unloading credit history under additional agreements under contracts.
- Management of distributions. The message template is divided into a header template and a contract template[...]
Today, 22.6.2018, the release was published:
1.1.9.4

Release composition:

(198006 Kb)
(62739 Kb)

Short description:
New in version:
- A printed form for the restoration of the reserve has been added to the document on the formation of the PRTR.
- Management of distributions. 3 new parameters surname, name and patronymic have been added to the message template.

Improved functionality:
- Improvements have been made to the types[...]
Today, 14.5.2018, the release was published:
1.1.9.1

Release composition:

(197928 Kb)
(65073 Kb)

Short description:
New in version:
- Refinement of the configuration for the division of fines unrecognized / recognized when the setting "Reflect the fine on the off-balance account" is enabled in the accounting policy. Added type of debt "Debt on fines (unrecognized)".
"- Updated rules [...]
Today, 12/29/2017, the release was published:
1.1.8.3

Release composition:

(197470 Kb)
(62589 Kb)

Short description:
Edited in version:
- For microfinance organizations, uploading to 1C: Enterprise Accounting 3.0 is included for the period of the 1st quarter of 2018.

Bugs fixed:
- The transition of microfinance organizations from 2018 to the ENP and OSBU. Fixed a bug in the EPS invoices ne[...]
Today, 12/28/2017, the release is published:
1.1.8.2

Release composition:

(197468 Kb)
(62581 Kb)

Short description:
Bugs fixed:
- The transition of microfinance organizations from 2018 to the ENP and OSBU.
Today, 12/27/2017, the release was published:
1.1.8.1

Release composition:

(197467 Kb)
(62570 Kb)

Short description:
New in version:
- In connection with the transition of microfinance organizations from 2018 to the EPS and OSBU, the configuration disabled the ability to use the accounting part of the program and upload to 1C: Enterprise Accounting 3.0. For MCC and MFC, the formation of postings about[...]
Today, 12/13/2017, the release is published:
1.1.7.50

Release composition:

(197291 Kb)
(75152 Kb)

Short description:
New in version:
- Loans issued. Added the ability to set a limit on the issuance of a loan by counterparty. In the reference book "Counterparties" in the navigation panel, a link to the transition to the register "Accounting for the limit by counterparty" has been added.
- Loans issued. Produced expensive[...]
Today, 10/27/2017, the release is published:
1.1.7.23

Release composition:

(197152 Kb)
(74852 Kb)

Short description:
Improved functionality:
- Loans issued. Filtering by contract status has been added to the reserves report.
- Loans issued. The fields "schedule document (current)", "presence of an additional agreement", "loan term (days)" have been added to the registry report on agreements.

Bugs fixed[...]
Today, 10/24/2017, the release was published:
1.1.7.20

Release composition:

(197139 Kb)
(62311 Kb)

Short description:
New in version:
- Loans issued. In the documents "Agreement for the issuance of a microloan", " Additional agreement" Added a printable form "Information about debt".
- In the processing of "Processing information about participation in extremist activities" added the output of extras[...]
Today, 31.8.2017, the release was published:
1.1.7.1

Release composition:

(196026 Kb)
(73928 Kb)

Short description:
New in version:
- The transition to the version of the 1C platform 8.3.10 in compatibility mode with 8.3.6 has been completed.
- The licensing system has been updated to work on platform version 8.3.10 with the "Protection from dangerous actions" setting enabled for the user. The exception [...]
Today, 7.6.2017, the release was published:
1.1.6.1

Release composition:

(199788 Kb)
(72388 Kb)

Short description:
New in version:
- The "Web page" type of contact information has been added to the "Organizations" directory.
- Added the ability to generate SMS mailings to the report on expected payments.
- Changes in SMS distribution. A field has been added to the "Message templates" reference[...]
Today, 12.4.2017, the release was published:
1.1.5.1

Release composition:

(199699 Kb)
(71768 Kb)

Short description:
New in version:
- The reports "Report on the activities of the CPC 4083-U", "Report on the personnel of the CPC 4083-U" were added to the document "Regulated reporting in the Central Bank".
- In the "Organizations" directory for consumer cooperatives added tabular parts for [...]
Today, 15.3.2017, the release was published:
1.1.4.70

Release composition:

(199147 Kb)
(71150 Kb)

Short description:
New in version:
- The loan type "Mortgage" has been added to the "Purposes of loans" directory. The field "Other loan" has been added to the reference book "Agreements with counterparties" - this is a sign that the loan is not a microloan. The report on microfinance activity has been finalized according [...]
Today, 6.2.2017, the release was published:
1.1.4.51

Release composition:

(182804 Kb)
(57453 Kb)

Short description:
Improved functionality:
- Desktop loan officer. The document command panel has been improved to a single view for all documents.

Bugs fixed:
- In the numerator when using the point of sale prefix.
- In the document of accrual of interest on[...]
Today, 20.1.2017, the release was published:
1.1.4.42

The software product "1C: Management of a microfinance organization and a credit consumer cooperative" (hereinafter - "1C: Management of MFIs and CPCs") is a development of the Audit-Escort Group of Companies based on the system "1C: Accounting of a non-credit financial organization" (hereinafter - "1C :BNFO") from IT Capital. Unlike "1C: BNFO" Information system"1C: Management of MFIs and CPCs" provides more opportunities for management and accounting in microfinance organizations. The industry solution includes 1C:BNFO and all the necessary functionality for operating in the microfinance market. The program implements all new requirements in accordance with single plan accounts. The product is suitable for MFIs, PDAs and MCCs.

"1C: Management of MFIs and PDAs" has a certificate "1C: Compatible! 1C:Enterprise software system. The presence of such a certificate:

confirms the quality of the software product tested in 1C;
gives the right to distribute "1C: Management of MFO and CPC" to all partners of the company "1C";
makes it possible, together with the licensed program, to receive technical support from 1C;
makes platform updates available.

As a franchisee, RG-Soft offers 1C: MFO and PDA Management at the same price as its partners. However, the implementation from the company "RG-Soft" is not limited to installing the boxed version. To make it convenient to work with the program, RG-Soft offers initial setup services and its own improvements. A typical implementation contains the following modules and additional services.

Customized and fully functional accounting module. The program has expanded the capabilities of the standard version, taking into account industry specifics, and links to the new chart of accounts have been set up. In addition, the implementation from RG-Soft includes a module for accounting for deposits (calculation of the payment schedule, initial calculation of ESP, accounting at amortized cost, scheduled operations for the recognition of interest income).

This is how a typical accounting report looks like in the program "1C: Management of MFIs and CPCs"

In addition, the implementation from RG-Soft contains algorithms for completing the basic set of regulated reporting: balance sheet, OFR, cash flow statement and capital change statement. In agreement with the customer company, it is possible to create forms for the calculation own funds, notes to the annual accounts, monthly reporting in the Central Bank, SRO and BKI.

The main forms of regulated reporting are filled out correctly after setup.

Customized and fully functional tax accounting module. In the program "1C: Management of MFIs and CPCs" the functionality of the standard configuration has been expanded in terms of tax accounting. Implementation from RG-Soft includes algorithms for calculating deferred taxes and settings for filling in declarations for income tax, property tax. Completed forms are uploaded to an external XML file and can be sent to tax office through the provider. The amount of calculated taxes will differ by the amount of adjustments, which in the indicative period must be taken into account independently.

A customized and fully functional module for accounting for MFI transactions. The program contains a complete and well-developed module for accounting for special operations of MFIs: accounting for loans issued, funds raised, etc. Contains functionality that allows you to store and track the entire chain of interactions with the counterparty/borrower. Implemented the calculation of penalties and interest, automatic formation of reserves, accounting at depreciable cost.

If the company keeps records of issued loans in any front office, it is possible to set up data transmission from the front office to 1C: MFI and PDA Management. In a typical implementation, data loading from a client-bank is also implemented.

Features of work in 2017: transfer of documents from the RAS database to the new ENP database. Until the end of 2017, the main accounting can be kept in the old 1C: Accounting database. It is also recommended to simultaneously start keeping records in the new database. Implementation from the company "RG-Soft" makes it possible to automatically translate documents without manual input. The uniqueness of the revision lies in the exchange rules, written taking into account the standard mapping of transactions, adapted for microfinance and microcredit organizations. Exchange rules are loaded using a typical 1C mechanism called "XML Loading". As a result, for the selected period, each primary document from the RAS base goes to the base "1C: Management of MFIs and CCPs" with the preservation of the details and with the formation of transactions already according to the new chart of accounts. Using the exchange rules from RG-Soft, you can transfer all documents economic activity, except for depreciation and month-end closing, as well as manual operations, if they contain standard procedures.

The appearance of the 1C procedure, with which documents are transferred

From January 1, 2018, only one database should remain in operation - “1C: Management of MFIs and CCPs”. By this time, the new database will already have all the documents and all reporting for the past year, which will automatically compare data when filling out quarterly reporting forms.

Mapping of wires. Based on the results of the initial survey, employees of RG-Soft prepare a mapping of entries for all business transactions of RBSU/EPS. The customer receives a recommended "card" of transactions, which describes all the transactions used in the accounting of the organization according to RAS and all the transactions that will be needed to keep records according to the new rules. This document will be very helpful in case of any adjustments or manual entry of operations.

Staff training. RG-Soft specialists will train the employees of the client's customer company to work in the 1C: MFO and PDA management database: create new elements of the EPS settings, open and close twenty-digit accounts analytical accounting, start standard business transactions, close the period and year. Employees will also be trained to transfer documents from the RAS database to the new ENP database: the procedure is very simple and will be clear to any user. From January 1, everyone who will be trained, will be able to fully and effectively work in the base "1C: Management of MFIs and CCPs".

Fast implementation time. If no special modifications are needed, RG-Soft professionals will carry out the implementation within 1.5 months.

Implementation from "RG-Soft": a step-by-step process

Consider the approximate procedure for the work of specialists when implementing the software product "1C: Management of MFIs and PDAs":

Express analysis of business processes, installation of the program "out of the box", loading the initial settings of the EPS. Checking if the old RAS database has special types operations, determine whether standard functionality needs to be improved, analyze the requirements for exchange with external systems, and estimate the volume of document transfer. In the RAS working database, we select objects and analytics (for example, the composition of directories) for transfer to a new database. The results of the survey are recorded in a document called " Functional requirements”, on the basis of which the implementation will be made.

financial accounting

We form the opening balance sheet for the ENP as of December 31, 2016. All necessary 20-digit personal accounts must be opened in order to properly deposit balances into the new database.
We transfer documents from working accounting to "1C: Management of MFIs and CCPs". We coordinate with the customer company the need to install a new mechanism for transferring documents. If a transfer is needed, then we set up the exchange rules and show how everything works, using the example of the first quarter of 2017. Further, employees transfer documents on their own.
We set up tax accounting and closing the period, we transfer the module for accounting deposits. By agreement, using the example of a quarter, we check the correctness of the formation of the results.
Set up exchange with external systems. Typical is ZUP and client-bank. If necessary, we set up data transmission from the front office for accounting loans.
We form a package of test reports. Together with your employees, we form a reporting package for any selected quarter of 2017 in the new database, making sure that all indicators are calculated correctly. We give clarifications on the basis of what principles data are included in the reporting, so that in the future it will be clear how to make adjustments.
We train employees. By agreement, training can be individual or group, remote or in the office. From our experience, it is useless to teach through a webinar or video recording: it is more efficient to answer questions in real time. Questions always arise, since working with twenty-digit accounts is quite complicated and takes time to adapt. After training, we provide instructions with step-by-step operations in printed form. In the course of training, we understand how to generate regulated reporting, create / select income and expense items, and analyze problem situations. Face-to-face classes are convenient because the teacher can immediately determine how much the material is understandable to the audience, and if necessary, repeat something or explain in more detail. As a result, your employees master the functionality to the full, ready to switch to New Product and work with him in 2018.

Additional services

RG-Soft provides additional consulting services and technical support:

writing an accounting policy for a new chart of accounts;
carrying out the initial setup of a previously purchased software product. If "1C: Management of MFIs and PDAs" was purchased earlier, then the specialists of the company "RG-Soft" will continue and complete the implementation. The cost of such implementation will be determined individually. It consists of many factors: how the program was installed, what settings have already been made, etc.;
user training. This is additional user training: demo recordings, a series of webinars or training at the customer's office;
finalization of program modules for special accounting tasks;
assistance in the preparation of reports within the indicative period.

Price

PROF version including installation:

In the PROF version, the number of active contracts is limited - no more than 3,000 per month. In addition, this version does not support the accounting of separate divisions allocated to a separate balance sheet.

CORP version including installation:

Estimated cost of services for the implementation of the program "1C: Management of MFIs and PDAs" from the company "RG-Soft". Depending on the scope of work and the composition of the implemented modules, the cost can be adjusted.

Pre-project work:

Implementation work:

Name	Cost, rub.)
Initial system setup: opening personal accounts, setting up an analytical structure, entering initial balances
Setting up and testing the transfer of documents for 2017 through the exchange rules (for Accounting 8.3), setting up special operations of the EPS
Setting up regulated reporting: balance sheet, OFR, OPDS, change in capital; testing on the example of 1-2 quarters of 2017
Setting up tax accounting: income tax, property tax; testing on the example of 1-2 quarters of 2017
Training a group of users from 1 to 3 people inclusive

What is interesting about the article: the author compiled the first analytical review of programs for accounting of microfinance organizations and credit cooperatives on the 1C platform according to the ENP and OSBU, highlighted the general trends in their work, noted the pros and cons of each of them

From January 1, 2018, for CCPs and MFIs, “ new life» according to the rules of new industry standards, and a year later, from January 1, 2019, IFC, MCC and credit cooperatives in without fail must switch to electronic accounting (financial) and supervisory-statistical reporting in XBRL format.

Accounting systems, first of all, must comply with the new rules and requirements of the Bank of Russia, therefore, the old accounting programs built on the principles of RAS will have to be changed. Leading IT companies have developed and released special software products for NPOs based on the 1C platform, which is easily explained. According to a study by TNS (Mediascope), about 90% of automated workplaces in Russia use 1C software products.

In August 2016, I already conducted a small study on the solutions developed at that time for NFE. The review includes 4 programs:

"1C-Rarus: Non-credit financial organization, edition 1";
"1C: Accounting of a non-credit financial organization CORP" (developer - IT Capital company);
"Orticon: EPS. Basic delivery rev.1”;
Homnet:NFO.

The study did not include several solutions for insurers and "security companies" announced after publication, in the fall-winter of 2016, and expensive developments costing more than 1.5 million rubles.

In total, 10 products really competed on the market at the end of 2016 – beginning of 2017. As implementation practice has shown, all these solutions turned out to be "immature", some frankly "raw", more or less "twisted" turned out to be only 2-3 systems out of the indicated ten. The rest were added and finalized "on the go", and some of them remained semi-finished products (for example, without an accounting module for the Bank of Russia). In order to bring such not the cheapest "products" to meet the requirements of the regulator, the buyer company will have to spend an amount that is several times or an order of magnitude greater than the price of the "box" (circulation product).

By the middle of 2017, the transition to the EPS and OSBU accounting for MFIs, MCCs and credit cooperatives has already become relevant. The main NFE program developers of last year plus several new players have already formed a showcase of solutions. In this article, I propose small marketing review of 8 solutions from 6 developers. This list excludes vendors of non-circulation programs for large implementations. Perhaps new products will appear on the market. It is difficult to say now how many of them there will be, at what price and whether they can seriously compete with the programs from the presented study. .

General trends

The first thing that catches your eye is the prices.

Prices dumped compared to the prices of NFI programs at the end of 2016.

The main price trend: 25-50 thousand rubles. for the "box" - which is 2-3 times cheaper than the previous budget options from 1C-Rarus and IT Capital. This is probably due to the fact that the main suppliers of the boxes have already returned the funds invested in the development. It is possible that the decline in prices is associated with a significant number of MFOs and CCCs, which is 3 times more, for example, than the number of "security wallets", depositories and management companies. Some developers, counting on the massive demand for their products, are clearly “playing for a fall” in prices.

There is another trend:

The accounting software in half of the solutions is offered together with a full-fledged operational circuit or back office

By purchasing and implementing such a program, the company automates its business processes and management accounting by 80-100%. I suppose this trend is largely related to the need for top managers of MFIs to "get away" from all sorts of data exchanges between disparate "pieces" of automation that have developed historically in the course of the company's development.

If the operating circuit of the company, regardless of size, is comfortable and well managed; a lot has been invested in it, it works reliably and provides adequate management information and reporting, there is no point in moving to a new back office, moving the entire database to new program. It is enough to buy only "accounting" according to the ENP / OSBU and spend money on high-quality data exchange modules. If there is no back office or its work raises many questions and complaints, it is better to buy a complete solution and make a competent transfer.

And another trend: the story of “semi-finished programs” is repeating itself.

Almost all the considered software solutions are “raw” to a certain extent, with errors and “imperfections”.

The reason for this is the objective methodological difficulties in implementing the new requirements of the Bank of Russia, which are still being formed and refined (for example, there is no clear regulatory framework for the CCP), and sometimes the provisions are open to different interpretations. There are also organizational and production reasons for this: lack of time and specialists from developers to check and debug everything.

Well, the most unpleasant thing is the commercial reasons: the policy of some heads of IT companies, allowing flaws and program errors, as the norm.

Draw your own conclusions: the price and "promotion" of the program is not the main thing. Do not fall into the "trap" of advertising, "regalia", "guarantees" and beautiful pictures at presentations. For advertising, free seminars and friendship with the leadership of business associations, you (your companies) will ultimately pay if you believe these “wizards” and buy a “pig in a poke”. But don’t be fooled by black PR, absolutely ridiculous statements about some products, which, as practice showed in 2016 - early 2017, took place. There is an alternative on the market, take the time to collect information and carefully analyze and choose.

On the other hand, There is no perfect product and there never can be.. Let's be honest, there were, are and will be errors and "deficiencies" in the "newly minted" programs in quite understandable ways. economic reasons. There are no miracles, a program brought to perfection and working like a Swiss watch, and will cost millions of rubles. Will that suit you? It is clear that no. The attitude of the developer to these problems is important. An IT company that relies on a quality product and responsible relations with customers, and not on the promotion of a semi-finished product (constructor) and "quick money", organizes feedback, effective processing of all comments, wishes, questions from customers - users and partners implementing the solution . A reputable developer should be responsible for the timing of the appearance of additional modules in program updates in accordance with the requirements of the regulator and legislation.

But this does not mean that you need to postpone the purchase and implementation to a later date and wait for the release of high-quality software releases after a series of updates. You just need to carefully choose solutions that, according to the implementation experience of 2016-2017. there is a prospect of successful implementation and quality support,

There is also this trend:

The developer does not supply the program, but the configuration that is "installed" in Accounting 8.3. like an update

It becomes possible to keep records according to 2 fundamentally different standards, according to RAS and according to EPS / OSBU. I will not touch on the technical issues of the possibility of implementing such a solution. Whether the user needs it in one program or not is a moot point. The opinion of consultants and experts of our company is unequivocal: the convenience of parallel accounting is apparent. Budgetary, technologically, only methodologically wrong. In practice, it does not simplify, but complicates the work of an accountant. Parallel accounting alone cannot effectively teach the user how to use the NPS. From a marketing point of view, I think that this is purely an advertising ploy in order to win over some of the accountants who are not very confident in their professional capabilities to deal with the new requirements.

Available rangesoftware products

So: to automate the accounting of microfinance organizations (MFCs and MCCs) and credit cooperatives on the 1C platform, the following solutions are offered:

1C-Rarus: Non-credit financial organization (2 versions of the product);
1C: Accounting of a non-credit financial organization (1 product);
1C: Management of a microfinance organization and a credit consumer cooperative (2 versions of the product);
Orticon: Management of a microfinance organization (1 product);
My MFO: Accounting in microfinance organizations (1 product);
(1 product).

Below I offer a brief description of the products and their versions.

1C-Rarus: Non-credit financial organization

The developer, 1C-Rarus, is one of the leading Russian providers of solutions based on the 1C platform, well known for its many industry solutions and product quality. The product comes in 2 versions: basic and for the microfinance market.

A universal basic solution for NFOs - a well-known and relatively well-established product for NFOs at the most budget price on the market (at the beginning of 2017 - 80 thousand rubles, then - 100 thousand rubles) Recommended as a fairly "modified" full-featured solution with a simple setup for “accounting” of AHD according to EPS / OSBU for medium and large microfinance companies. To work with him in tandem, the developer offers a product for operational accounting that has long been known on the market - 1C-Rarus: Microfinance Organization (price - 25 thousand rubles)

The version for the microfinance market has one limitation: the number of simultaneously valid loan agreements issued and attracted is no more than 10 thousand of each type. Supplied at an attractive price - 35 thousand rubles. Designed for small MFIs and PDAs that do not plan to change the program on which the back office works (accounting for the main activity).

The program can be purchased directly from the developer or from a 1C-Rarus partner.

1C: Accounting of a non-credit financial organization CORP

The developer is the Moscow company "IT Capital" - a partner of 1C in programs for financial sector. The opportunities accumulated in this area allowed the company to make a product that received the support of 1C - the status of "Jointly". But in 1C:BNFO there is only general business and personnel accounting, there is no accounting for specialized tasks. Significant disadvantages - there is no reporting and its “appearance” is not announced, the program needs to be seriously and long set up before use, difficult training.

In fact and in words in the spring of 2017, it became clear that for the actual use of 1C:BNFO, a significant refinement of this semi-finished product is necessary, adaptation to the industry specifics of various NFOs, including the specifics of a credit cooperative and a microfinance organization. At present, due to the imperfection of the solution, the complexity of use and the uncompetitive price (130 thousand rubles), the prospects for demand for 1C: BNFO are vague.

1C: Management of a microfinance organization and a credit consumer cooperative

The company "Audit-Escort" has made its own solution for the management of MFIs and CCPs based on 1C: BNFO from IT Capital. It turned out to be a solid product that combines operational, personnel and accounting in a "single window". The program provides, probably, everything that a microfinance NFI may need: from loan accounting, CRM and scoring to CBI and AML/CFT.

1C: Management of MFIs and CPCs, like Rarus:NFO, is offered in 2 versions: CORP and PROF. KORP version with a favorable (relative to 1C: BNFO) price of 150 thousand rubles. I would recommend medium and large MFIs. PROF version with a price of 45 thousand rubles. has "reduced" capabilities. It is clear that this version was made for small MFIs and CPCs, which, together with the transfer of "accounting" to the EPS / OSBU, plan to reorganize the accounting of core activities, to link together all the "facets" of accounting. How critical the restrictions are: NFOs themselves know better. Of course, 3,000 loans disbursed per year, no more than 10-12 contracts per day, might not be bad for a CCP in a small town or town in the provinces.

The program received 1C support, the status of "Jointly" and is available for purchase through any franchisee. But, with all its advantages, unfortunately, the 1C solution: Management of MFIs and CPCs inherited the disadvantages of the parent program: in the accounting part, the product requires complex settings and thorough methodological support. So, buying and installing a 1C solution on office computers: Management of MFIs and PDAs is absolutely not enough, you need not just an ITS service, but qualified support.

Realizing this, "Audit-Escort" has developed a special template - "Basic accounting model". This is an “information add-on” with predefined data, a kind of “wizard” that allows you to flexibly make typical settings based on the company’s profile (MFO, PDA) and accounting policy. The price is decent: 7.5 thousand rubles. for the PROF version and 15 thousand rubles. for CORP. In addition, the developer offers distance learning courses: 16 hours for 8 thousand rubles.

Both PROF and CORP versions are upgradeable accounting programs and licenses to them, including the cost of the given program. And one more thing: to transfer directories, documents and registers from the old back office, a special processing is provided, which is supplied in the kit.

Orticon: Management of a microfinance organization

This is not a program, but a 1C configuration, which is an addition to the typical configuration "1C: Enterprise Accounting 8" edition 3.0. The transition to the UMFO EPS configuration allows you to get a universal product for comprehensive accounting of the activities of a microfinance organization. "Striking" price - 24,800 rubles, the lowest for the reviewed products for MFIs and PDAs. But do not flatter yourself, the Ortikon company "provided" for buyers a package of add-ons, without which the program will be able to work, but the buyer company is unlikely to last long. Judge for yourself what additional modules the developer offers and at what prices. BKI and SMS mailing modules - for 3,990 rubles. each and modules DDS and FZ115 (AML / CFT) for 10,800 rubles. With these additions, the "cheapest" solution immediately goes into the category of "budget middling" at a price of 40-55 thousand rubles.

Unfortunately, I was not able to see the functionality of the product, the request for a demo version remained unanswered. I do not think that such a marketing policy will give UMFO EPS a competitive advantage.

According to the information on the company's website, it can be concluded that Ortikon itself develops, sells and accompanies the UMFO EPS product. Unlike the programs "1C-Rarus", "IT Capital", "Audit-Escort", which are sold through a network of partners, "Ortikon" "takes care of everything." In any case, I did not find information about partners on the company's website. Such a policy, in my opinion, does not promise high-quality implementation and support to buyers if there are many of them (buyers).

My MFI: Accounting in microfinance organizations

About this decision of the developers from St. Petersburg, you can write almost everything the same that is written a little higher about the UMFO EPS of the Ortikon company. In addition to additional modules (there are none).

From the pros of the product:

Competitive price 38 900 rub;
Well-thought-out back office functionality, fewer opportunities than in 1C: Management of MFIs and PDAs from Audit-Escort, but the program is convenient, roles can be configured, etc.;
There are financial statements according to the projects of the IFI standard;
Standard forms (OSV, etc.) and forms financial statements mobile and equipped with multiple selection and broadcast settings. With the participation of the developer, it is possible to add forms for use in management activities;

Significant cons:

Many software modules work according to RAS: there is no full adjustment of the compliance of the accounts of the ENP and RAS (mapping);
There are no some reference books on OSBU;
The setting is set by default, but not for all accounts, although the developer regularly adds new rules to the basic setting. But the settings are complex and tied to the selection system, so the user can hardly make the settings on his own
The developer implemented parallel accounting in the program. But the entire construction of postings on the EPS is built on the translation of movements in RAS accounts on RAS registers. When the study and testing period of the program ends and it begins real use, it will be difficult for users to abandon their usual RAS accounts.
The developer, like Ortikon, independently sells and accompanies the product, they do not plan to distribute it through franchisees.

In general, the product is not bad, it is being actively refined and developed, it has certain prospects on the market, but the developers still have to do more than what has been done. First of all, they need to resolve the issue of error-free operation of a rather complex “EPS add-on on the foundation of RAS”: how, with a significant number of transactions, to conduct posting analytics (it is not clear how the analysis of the presence of the absence of postings according to the NPS will be carried out, there are no reports for reconciliation).

Homnet NFO 2.0

The developer, Homnet Consulting, has been involved in the automation of international companies for 17 years. And it offers, judging by the description, a very high quality product. And at an affordable price for large companies - from 360,000 rubles. In the program - only accounting. Undoubtedly, the solution will find its buyer - these are the largest IFCs. The Homnet program is focused on its use as a basis for developing a more in-depth solution for the specific needs of these companies, with a large percentage of improvements and settings, as well as integrating the accounting system with other information systems.

By chance, on the website of one of the CPC SROs, I found several more solutions from provincial IT companies (Rostov-on-Don, Volsk, etc.). With all due respect to business and professionals working in difficult financial terms Russian "backwoods" I did not find fundamental differences in functionality and prices from Ortikon.UMFO EPS and My MFO products. These are exactly the same complex solutions installed through updating the 1C: Accounting 8.3 configuration. And promises of the opportunity, as in My MFI, to keep parallel records: according to the ENP and RAS. Such low-cost solutions, subject to persistent promotion on the Internet and through SROs, of course, will be able to compete with “capital things”, especially in the provinces. I will only be happy about it. But even a high-quality program can become a "headache" if there is no effective support and methodological support.

FINDINGS

First. We must save. But saving is smart. Remember: the miser pays twice. Even if you have small company, but you are planning to develop a business, it is not worth saving on time and quality programs. As the implementation experience of the end of 2016 — the first half of 2017 showed, it takes at least 3 months to install and master the program (to the level of independent accounting). And do not buy frankly "raw" semi-finished products (even with promises that everything will be exactly tomorrow), look at several options and test demo versions. Ask questions to consultants - methodologists, but not in the companies themselves - developers, but in independent companies - suppliers of several alternative solutions.

Of course, you can buy the program cheaper and until 2019 (the XBRL era) use it nominally, for show, and do the reporting “by hand”. You will save 20-50 thousand rubles, but what will it give your organization? It is more economically profitable already in 2017 to buy a program, even if not the cheapest, but which suits you and, most importantly, a program that has shown its efficiency in practice, competently implement it, master it and use it as a competitive advantage.