sbiCloud Microfinance Case Study � Mohammed Tajul Islam

Project Overview

sbiCloud (BRAC Microfinance) is a large cloud ERP and branch automation platform built by BRAC IT Services for microfinance. It takes field-level microcredit online: tracking borrowers, managing savings schemes, collecting repayments automatically and producing audit-ready reports across a huge network of regional branches.

sbiCloud connects hundreds of branch offices and field officers. It tracks loans as they are disbursed, credit assessments and the accounting records regulators require.

Technical Actions & Architecture

Mohammed Tajul Islam led microfinance core architecture, database clustering, and resilient offline-sync protocols for distributed rural branches:

Microfinance Lifecycle Automation: Automated loan application review, credit scoring, disbursement schedules, collection tracking and default risk management.
Distributed Branch Synchronization: Built offline-first syncing, so remote branches with poor connectivity can still process field transactions smoothly.
Multi-tier General Ledger & Accounting: Automated the chart of accounts for every branch, live reconciliation, interest calculation and reporting to the central regulator.
Field Officer Mobility: Designed secure API endpoints for field officers' phones, enabling paperless daily collection sheets and instant biometric identity checks.
Security & Audit Compliance: Put strict role-based access control in place, with encryption of data stored and in transit, and permanent logs of every transaction for audits.

Project Outcomes & Impact

sbiCloud let microfinance institutions replace heavy paper ledgers with automatic, real-time cloud accounting. It sped up loan turnaround, lowered the risk in handling cash, and gave leaders an instant view of lending across the whole country.