Fragmented Institutional Operations
Microfinance and school-based workflows required stronger structure across records, users, payments, access, and communication.
A cloud-based financial institution management system built for microfinance operationseducation-sector workflowssecure accessand connected payments.
SAJIL Financial Management System
SAJIL
A cloud-based financial institution management system built for microfinance operations, education-sector workflows, secure access, and connected payments.
Project Overview
Building a connected operating system for microfinance and education workflows
SAJIL was developed as a cloud-based platform for institutions that needed stronger control over financial operations, user records, access, communication, payments, and education-linked workflows. The system served two connected environments: microfinance institutions requiring an end-to-end ERP foundation, and schools requiring an integrated LMS extension. By combining these capabilities within a multi-tenant cloud structure, SAJIL created a flexible platform that could support different institutions without rebuilding the core system each time.
The Mandate
Create a scalable financial and institutional management platform
The requirement was to build a product that could support financial institution management while also extending into education-sector use cases. The platform needed to provide a structured ERP foundation for MFIs, support multiple tenants through cloud architecture, enable secure access through biometric authentication, connect users through SMS notifications, support payment gateway flows, and provide LMS functionality for schools within the wider product architecture.
The Environment
Institutions needed stronger control over records, access, payments, and learning workflows
Microfinance institutions and schools both manage high-volume operational information across users, branches, records, payments, communication, and administrative processes. When these activities depend on disconnected tools, manual records, or institution-specific systems, teams face duplication, slower reporting, weaker access control, and limited scalability. SAJIL needed to provide a more structured digital foundation that could support institutional operations across financial and education environments while remaining adaptable for different organisational setups.
Our Role
Consultancy, full-stack development, ERP planning, LMS development, and system architecture
Centangle worked across the consultancy, architecture, design, and development of SAJIL. The engagement included structuring the product model, planning the multi-tenant cloud environment, developing the financial institution management system, extending the product into LMS functionality for schools, and integrating supporting capabilities such as SMS notifications, biometric authentication, and digital payment gateways.
The Challenge
Financial and institutional operations needed a more scalable digital foundation
Microfinance institutions require reliable systems for managing users, records, financial workflows, payments, notifications, access, and institutional reporting. Schools require structured learning and administrative workflows through LMS functionality. Managing these requirements through separate systems creates duplication, fragmented data, inconsistent access control, and difficulty scaling across multiple institutions.
The challenge was to build one product architecture that could support different institutional environments without forcing every organisation into a fixed model. SAJIL needed to combine ERP depth, cloud scalability, tenant-level separation, secure authentication, communication tools, payment connectivity, and LMS capability within one maintainable platform.
Scalability Across Institutions
The platform needed to support multiple organisations through one cloud-based architecture without mixing institutional data or workflows.
Secure User Access
Financial and institutional environments required stronger identity, authentication, and access control mechanisms.
Connected Communication and Payments
SMS notifications and payment gateways needed to be integrated into the operating environment instead of handled separately.
The Solution
Unified Finance Platform
Centangle developed SAJIL as a cloud-based, multi-tenant Financial Institution Management System with an integrated LMS extension for schools. The platform combined MFI ERP capabilities, tenant-aware cloud architecture, SMS notifications, biometric authentication, and payment gateway connectivity into one product environment designed to support financial, administrative, and education-sector workflows.
System Architecture: SAJIL Financial Management System
Presentation Layer
User Experience
Web Platform Interface
Gives users access to ERP, LMS, records, payments, notifications, and admin controls.
APPLICATION LAYER
MFI ERP Engine
Manages microfinance operations, financial workflows, and administrative processes.
LMS Module
Extends the platform for schools through learning management and education-sector workflows.
Access and Transaction Services
Supports biometric authentication, SMS notifications, payment gateway actions, and workflow-level platform services.
DATA & INTEGRATION LAYER
Tenant Data Model
Maintains tenant-aware data separation for multiple institutions using the same cloud-based platform foundation.
Financial and Institutional Records
Organises financial, administrative, user, and institutional records required by the platform.
Learning and School Records
Structures education-sector records connected with the LMS extension.
Integration and Service Data
Supports SMS API activity, biometric authentication records, payment gateway communication, and connected platform services.
FEATURE 01
Microfinance ERP Foundation
SAJIL supports financial institution management through a structured ERP foundation designed for microfinance operations.
FEATURE 02
Multi-Tenant Cloud Architecture
The platform is built to support multiple institutions through one cloud-based architecture while maintaining tenant-level separation.
FEATURE 03
LMS Extension for Schools
The education-sector extension adds learning management functionality, allowing schools to use the platform for structured academic workflows.
FEATURE 04
Biometric Authentication
Biometric access strengthens identity verification and supports a more secure institutional user experience.
FEATURE 05
SMS API Integration
SMS notifications support communication, reminders, alerts, and platform-driven updates across relevant workflows.
FEATURE 06
Payment Gateway Integration
Digital payment gateway support connects payment activity with the wider platform environment.
How we deliver it
Structured delivery from product planning to full-stack development
The SAJIL engagement followed a product-led delivery process focused on understanding institutional needs, structuring the ERP and LMS architecture, developing the multi-tenant cloud foundation, integrating secure platform services, and preparing the system for operational use.
- 01
PHASE ONE
Product and Institutional Understanding
Understanding the requirements of microfinance institutions and schools, including operational workflows, user roles, system needs, and integration priorities.
- Product scope
- Institutional requirements
- MFI workflow understanding
- Education-sector extension needs
- 02
PHASE TWO
System Architecture and Data Planning
Structuring the cloud platform, multi-tenant model, user access, financial records, LMS data, and integration points.
- System architecture
- Tenant model
- Data structure
- Integration plan
- 03
PHASE THREE
ERP and LMS Development
Developing the financial institution management system and extending the platform with LMS functionality for schools.
- MFI ERP modules
- LMS extension
- Institutional workflows
- User-facing platform views
- 04
PHASE FOUR
Security and Integration Development
Implementing biometric authentication, SMS API integration, payment gateway support, and service-level platform connections.
- Biometric authentication
- SMS notification service
- Payment gateway integration
- Connected platform services
- 05
PHASE FIVE
Testing, Deployment Readiness, and Handover
Testing platform behaviour, reviewing workflows, validating integrations, and preparing the product foundation for use and future scale.
- Functional testing
- Integration validation
- Deployment readiness
- System handover direction
Measured Impact
From disconnected institutional tools to one scalable product foundation
SAJIL created a connected platform environment for microfinance institutions and schools, bringing financial management, learning workflows, secure access, notifications, payments, and multi-tenant cloud architecture into one product foundation.
Before
- Microfinance and education workflows could depend on separate systems and manual coordination.
- Institutional records were harder to manage across finance, access, communication, and learning activities.
- Scaling across multiple organisations required stronger architecture.
- Authentication, notifications, and payments needed better connection with the core platform.
- Schools and MFIs required different workflows but shared a need for structured digital management.
After
- MFI workflows were supported through a cloud-based ERP foundation.
- Schools gained an LMS extension within the same product architecture.
- Multi-tenant cloud design supported institutional scalability.
- Biometric authentication strengthened access control.
- SMS and payment gateway integrations connected communication and financial activity with the platform.
Work with us
Need a secure platform for financial, institutional, or learning operations?
Centangle helps organisations design and develop platforms that support real operations, secure access, connected services, and long-term growth.