Class D institutions
Digital reach without losing what makes microfinance work
Microfinance works because of the field relationship. The mistake digital platforms make is trying to replace it. Khepee is built to make your field officers faster, not redundant.
Field officers
The officer keeps the relationship; the paperwork disappears
Your field officer still visits, still knows the household, still makes the judgement. What changes is that they stop carrying forms and stop re-keying them at the branch that evening.
- Capture on a phone during the visit rather than on paper afterwards
- Document photography with on-device guidance
- The officer’s assessment recorded alongside the automated score
- No second data-entry step, and so no second set of transcription errors
Reality of the field
Designed for patchy connectivity
A platform that assumes a stable connection is useless outside the Valley. Capture is tolerant of dropouts and resumes without losing work.
- Application drafts survive a lost connection
- Document uploads resume rather than restart
- Built and tested for mid-range Android phones, not flagship devices
- Modest data footprint — relevant when the officer is paying for it
Regulatory fit
Limits that match your licence tier
Microfinance institutions operate under specific capital and geographic limits by licence tier. Your configured product limits are your own, bounded by the NRB digital lending ceilings.
- NPR 200,000 ceiling for other account holders; NPR 500,000 for salary and business accounts
- 36-month maximum tenure, enforced in code
- Your own tighter limits configurable per product
- Limits updated centrally when NRB revises them
Lending models
Individual today, group on the roadmap
We would rather be honest about sequencing than promise everything at once.
Individual lending — supported
The full lifecycle from application to closure, for individual borrowers.
Group lending — planned
Group formation, joint liability and centre-meeting workflows are on the roadmap, not shipped. We will build them with a partner rather than guess.
Field collections — planned
Cash collection recording with reconciliation to your rails, sequenced after group lending.
Conduct
Collections practice that protects your licence
Microfinance is scrutinised harder than any other lending segment on borrower treatment, and rightly so. The platform constrains collections conduct rather than leaving it to individual judgement.
- No access to borrower contacts, photos or location — not requested, and blocked in the manifest
- Contact frequency and permitted hours bounded by configuration
- No disclosure of arrears to third parties
- Every contact logged, so conduct is auditable
Reporting
Returns your compliance officer can produce alone
Compliance extracts generated from the console, from the same audit trail that produces your management reporting.
- No developer required to produce a periodic return
- Portfolio ageing and provisioning inputs from live data
- Every export attributable to a named person and a stated purpose
- Figures traceable to the underlying audited events
Khepee is a technology provider, not a lender
Khepee is operated by Lacspace Corporation Pvt. Ltd. It is not a bank or financial institution, does not lend, does not accept deposits and does not hold customer funds. Lending is carried out by partner institutions licensed by Nepal Rastra Bank under their own licence and credit policy. Khepee makes no claim of NRB licensing, approval, registration or endorsement, and nothing here is an offer of credit or financial advice.
Coming soon
We want a microfinance launch partner
Group lending will be built with a real institution rather than designed in the abstract. If that could be yours, we should talk early.