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عالعربية

User manual

Installment Sales & Collection

An installment contract is drawn up in minutes with a payment schedule, guarantors and post-dated cheques, the collector knows who to visit today and how much they owe, and the manager sees overdue balances by age before they turn into bad debts.

An installment contract with schedule, guarantors and cheques in minutes, automatic WhatsApp reminders, and field collection with a clear settlement at day's end. A free trial on your existing contracts.

21 tasks

What the system does

  • Buyers and guarantors
  • Installment contract
  • Arabic PDF contract
  • Post-dated cheques
  • Payments
  • Early payoff with a discount
  • Arrears and follow-up
  • Field collection

Tasks

How do I create a new installment sales contract for a customer?

  1. Navigate to Installment contracts.
  2. Click the Create installment contract button.
  3. Select customer, product or service financed, total contract value, and down payment amount.
  4. Set profit/markup rate, number of installments, billing frequency (monthly, quarterly), and first installment due date to auto-generate the amortization schedule.
  5. Click Save contract.
Screen
Installment sales and collections › Installment Contracts · Create
Permission needed
Installments — Contracts / Add

How do I activate an installment contract to start accruals?

  1. Open the contract details page in Installment contracts.
  2. Review payment schedule, guarantors, and uploaded documents.
  3. Click the Activate contract button to set its status to active and commence due date tracking.
Screen
Installment sales and collections › Installment Contracts · View
Permission needed
Installments — Contracts / Activate contract and generate installments

How do I add a guarantor to an installment contract?

  1. Access the Guarantors list.
  2. Click the Add guarantor button to open registration.
  3. Enter full name, national ID, mobile number, employer, and monthly salary, then link the guarantor to the contract.
  4. Click Save.
Screen
Installment sales and collections › Guarantors
Permission needed
Installments — Guarantors / Add

How do I upload signed promissory notes, cheques, and contract documents?

  1. Navigate to Installment documents.
  2. Click the Upload document button to open the upload modal.
  3. Select the linked contract, specify document type (promissory note, customer ID, salary slip, signed contract).
  4. Upload the file or image, then click Save.
Screen
Installment sales and collections › Documents
Permission needed
Installments — Documents / Add

How do I view installment amortization schedules and due dates?

  1. Navigate to Payment installments.
  2. Search by contract number or customer name to review all installments: installment number, due date, amount due, amount paid, and status (due, paid, overdue).
Screen
Installment sales and collections › Due Installments
Permission needed
Installments — Due installments / View

How do I record an installment payment via cash or bank transfer?

  1. Access the Collection payments list.
  2. Click the Record payment button to open the receipt form.
  3. Select contract and installment to pay, specify paid amount, payment date, and payment method (cash, card, bank deposit).
  4. Click Confirm payment to update installment status and generate a receipt voucher.
Screen
Installment sales and collections › Payment Receipts
Permission needed
Installments — Payment receipts / Add

How do I void an erroneously recorded payment?

  1. In the Collection payments list, locate the posted payment.
  2. Click actions next to the record and choose Void payment.
  3. Record cancellation reason; upon confirmation, the associated installment reverts to "Due" or "Overdue".
Screen
Installment sales and collections › Payment Receipts
Permission needed
Installments — Payment receipts / Void payment receipt

How do I record post-dated cheques received against installments?

  1. Navigate to Installment cheques.
  2. Click the Add cheque button to open registration.
  3. Enter cheque number, drawee bank name, cheque maturity date, and amount, and link it to the contract or installment.
  4. Click Save.
Screen
Installment sales and collections › Post-dated Cheques
Permission needed
Installments — Cheques / Add

How do I record depositing a cheque into the company bank account?

  1. In the Installment cheques table, select the mature cheque.
  2. Click actions and select Deposit cheque.
  3. Specify depository bank account and deposit date, then click Confirm deposit.
Screen
Installment sales and collections › Post-dated Cheques
Permission needed
Installments — Cheques / Deposit cheque

How do I handle a bounced cheque returned for non-sufficient funds?

  1. In the Installment cheques list, locate the deposited cheque.
  2. Click the Record bounce action.
  3. Record bounce reason (insufficient funds, signature mismatch, etc.); the system reopens the installment and triggers collection alerts.
Screen
Installment sales and collections › Post-dated Cheques
Permission needed
Installments — Cheques / Record cheque bounce

How do I record a cheque clearing successfully?

  1. In the Installment cheques list, select the cheque in "Under Collection" status.
  2. Click the Clear cheque action.
  3. Enter the bank clearance date to settle the linked installment and issue a final receipt.
Screen
Installment sales and collections › Post-dated Cheques
Permission needed
Installments — Cheques / Confirm cheque clearance

How does a field collector manage their daily route and collection tasks?

  1. Open the My field round page.
  2. The collector reviews their daily itinerary ordered geographically, showing overdue balances, contact numbers, and site locations.
  3. The collector can record visit outcomes immediately or collect payments on site.
Screen
Installment sales and collections › My round
Permission needed
Installments — Collector round / Use the My round screen

How do I log a follow-up note or promise to pay after contacting a customer?

  1. Navigate to Follow-up log.
  2. Click the Add follow-up button to open the log form.
  3. Select contract and customer, contact method (phone call, field visit, SMS), and contact result (promise to pay with promised date, refusal, closed).
  4. Click Save follow-up.
Screen
Installment sales and collections › Follow-ups And Promises To Pay
Permission needed
Installments — Follow-ups / Add

How do I blacklist a defaulted customer to prevent future financing?

  1. Switch to Installment customers.
  2. Find the customer, click actions, and choose Add to blacklist.
  3. Record blacklisting reason; once saved, creating new financing contracts for this customer is blocked across all branches.
Screen
Installment sales and collections › Buyers
Permission needed
Installments — Buyers / Add to blacklist

How do I reschedule contract installments for a struggling customer?

  1. Open the contract in the Installment contracts page.
  2. Click the Reschedule contract action.
  3. Define remaining principal balance, new installment count, and new maturity dates; the system replaces the previous amortization schedule with the agreed schedule.
Screen
Installment sales and collections › Installment Contracts · View
Permission needed
Installments — Contracts / Reschedule and postpone installments

How do I process an early contract settlement with an early payment discount?

  1. Navigate to Early settlements.
  2. Click the Process early settlement button to open the settlement modal.
  3. Select the contract; the system displays remaining unpaid installments and allowable unearned profit discount.
  4. Specify net settlement payoff amount and payment method, then click Confirm settlement & close contract.
Screen
Installment sales and collections › Collector Settlements
Permission needed
Installments — Collector settlements / Add

How do I refer a defaulted contract to the Legal Department for litigation?

  1. On the contract review page in Installment contracts.
  2. Click actions and select Refer to legal.
  3. The contract transitions to legal workflow and packages promissory notes and bounced cheques for corporate attorneys.
Screen
Installment sales and collections › Installment Contracts · View
Permission needed
Installments — Contracts / Legal status

How do I submit a bad debt write-off request?

  1. Go to Debt write-offs.
  2. Click the Request debt write-off button to open the submission form.
  3. Select defaulted contract, remaining balance, and attach delinquency reports and insolvency evidence.
  4. Click Submit for approval.
Screen
Installment sales and collections › Bad Debt Write-offs
Permission needed
Installments — Bad debt write-offs / Request debt write-off

How does the CFO approve a bad debt write-off?

  1. In the Debt write-offs list, select the request under "Pending Review".
  2. Click the Approve write-off action.
  3. Contract balance is closed, charging the loss against the allowance for doubtful accounts after notes and approval are confirmed.
Screen
Installment sales and collections › Bad Debt Write-offs
Permission needed
Installments — Bad debt write-offs / Approve write-off

How do I generate overdue installments and collection recovery rate reports?

  1. Open the Installment reports page.
  2. Configure report parameters: maturity period, delinquency aging brackets (30, 60, 90+ days), and collector recovery performance.
  3. Click Generate report or Export to Excel.
Screen
Installment sales and collections › Installment reports
Permission needed
Installments — Reports / View

How do I configure installment policies, late fees, and grace period days?

  1. Navigate to the Installment settings page.
  2. Set default parameters: grace period days before late classification, standard profit markup percentage, and minimum down payment ratio.
  3. Click Save settings.
Screen
Installment sales and collections › Installment settings
Permission needed
Installments — Settings / Edit

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