Juris OneCore - Loan Management Platform • JurisTech

What is Juris OneCore?

Juris OneCore is an end-to-end loan management solution that is built with small and medium-size lenders in mind, empowering these businesses to effectively manage loan or financing products offerings. It is built to encompass the full lifecycle of loan management, including application creation, reconciliations, loan rescheduling, loan settlements and write-offs.

It is designed to enable money lenders, cooperative bodies, credit leasing companies, and financial institutions to bring loan or financing products to the market in the shortest time possible, directly impacting business objectives and profits.

Why Juris OneCore?

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End-to-end loan management platform for the entire lifecycle

Built to encompass the full end-to-end loan management lifecycle under a single platform, including management of written loans and settlements of loans.

Automates the entire lifecycle and eliminates unnecessary human intervention and documentation.

Shortens time to market

Designed to enable loan products to be configured and launched instantly, reducing time to market. This enables financial institutions to launch innovative financial products to cater to the market.

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Speedy management processes at every stage

Automates payment tracking and reconciliation to remove human error and eliminate customer dissatisfaction.

Provide 360-degree bird-eyes view of the progress of the account or customers, and eliminates the need and challenges of having multiple system interfaces and managing the operations of these systems.

Core Functionalities

Ease of Use

Web-based
360 view of customers
Single platform management

Productivity

Comprehensive key financing parameters
Engineered to fit a diverse environment
End-to-end loan cycle management
Automated payment tracking and reconciliation

Agile

Speedy system deployment
Instant new product configuration
Shorter product go-to-market

Compliance

Shariah compliant
Multi-rate structure support
Multi-lingual and currency support
In line with Money Lender Act 1951 & Hire Purchase Act 1967

Flexibility

Loan rescheduling
Multi-tier disbursement
Built-in branch delivery module
Module-based architecture

Integration

Integrates with origination systems for straight-through processing
Integrates with accounting software and payment gateways

Juris OneCore Coupled With JurisTech’s Origination Suite to Facilitate Your Loan Origination and Management Process

Juris OneCore seamlessly integrates with our robust loan origination suite, which is powered by our backbone, Juris Origination.

At JurisTech, we are the credit management process tech experts. By coupling Juris OneCore with Juris Origination, you can now create a seamless experience to create a straight-through experience and easy loan management from applications all the way to loan disbursements.

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FAQs

What is Juris OneCore, and who is it for?

Juris OneCore is our end-to-end loan management system for lenders that don’t need a full core banking platform. It runs the loan from product setup through disbursement, repayment, settlement and write-off on one web-based platform.

Does Juris OneCore support the full loan servicing lifecycle?

Yes. It covers account creation, billing, delinquency definition, statements, schedules, disbursement, repayment, settlement, rescheduling and write-off, including written-off loans. Transactions post to the ledger in near real time, so your team always sees current balances.

How does Juris OneCore compare with a core banking loan module?

OneCore suits lenders that focus on lending and don’t need a full core banking system. Its modular design lets you decouple the Branch Delivery and GL modules and connect your existing systems through APIs, so you add or remove functions as your business changes.

Which lenders and loan types does Juris OneCore serve?

Money lenders, co-operatives, credit leasing and hire purchase companies and other lenders that focus on lending, including small and medium-size lenders. You get loan management, with multi-tier financing products, without paying for a full core banking system.

Can Juris OneCore support Islamic and conventional financing?

Yes. It supports conventional and Islamic financing, with Shariah compliance and multi-rate structures, and it handles multiple currencies and languages. Your business users set up interest or profit rates, fees and charges in the same product setup.

Can Juris OneCore manage multiple financing products and repayment structures?

Yes. Business users create and change products in product setup: rates, fees, charges, statements and exceptions. Multi-tier products can use a different calculation method on each tier. Because they configure products rather than rebuild the system, you shorten time to market for each new loan.

Which interest and fee calculation methods does Juris OneCore support?

It supports the common loan calculation methods: annuity, Rule of 78, effective rate (reducing balance), flat or simple interest, bullet repayment and revolving facilities. Rates can be fixed or floating, and one loan can have several tiers with different rates and methods. Fees can be fixed amounts, formulas or ad hoc charges, and they can be raised automatically or added by hand. Late payment penalties, waivers and early settlement rebates can all be configured, and both conventional and Islamic financing are supported. Confirm variable-rate and penalty rules with our team.

Does Juris OneCore support repayment scheduling, rescheduling and restructuring?

Yes. OneCore builds the payment schedule, and for rescheduling you redefine the tenure and interest rate so it recreates the schedule. A dual-view screen shows the original and rescheduled schedules side by side. Confirm refinancing and restructuring rules for your products with our team.

Can Juris OneCore automate disbursements, repayments and settlements?

Yes. Juris OneCore handles every step from disbursement to settlement in one system. Loans can be paid out in one amount or in stages on a schedule. Repayments from payment channels and gateways are applied automatically each night. Early and full settlements, including any rebate, are calculated by the system. Every transaction posts to the general ledger automatically, and you can require a second person to approve each one. OneCore connects to banks and payment channels through APIs and other standard interfaces, so the whole process can run without manual steps.

Does Juris OneCore handle reconciliation, GL postings and real-time balances?

Yes. The built-in GL module creates your chart of accounts, accounting events and triggers. Transactions and ledger entries update in real time, OneCore tracks and reconciles payments automatically, and you can connect an external accounting system through standard interfaces.

How does Juris OneCore reduce manual work and errors?

It automates the routine work across the loan lifecycle, from billing and payments to reversals and settlements. The system calculates interest accruals, instalments, late charges, fees and settlement amounts. It also posts the matching general ledger entries without anyone keying them in, so there are fewer manual calculation and posting errors. Maker-checker rules require a second user to confirm disbursements, repayments and waivers before they run, so your team makes fewer unchecked changes to loan accounts.

Does Juris OneCore integrate with origination and collections systems, and is it API-first?

It works alongside Juris Origination and Juris Collect, and you can connect other origination and collection systems through web services, TCP/IP, database link or FTP.

Is Juris OneCore cloud-native, and does it scale?

Yes. Juris OneCore uses a cloud-native, microservices architecture built to scale as your loan book grows. It’s web-based, so users reach it from any internet or intranet device. Confirm cloud, private cloud and on-premises options for your institution with our team.

What security, audit and regulatory reporting features does Juris OneCore have?

Maker-checker rules, organisation structure and user permissions cover headquarters and branches, and the security setup follows standards from regulators such as Bank Negara Malaysia. A configurable reporting engine produces regulatory and management reports from a data snapshot at each reporting date.

What should banks look for in a loan management system like Juris OneCore, and what belongs in an RFP?

Check coverage of the full servicing lifecycle, configurable products and interest methods, Islamic and conventional support, rescheduling, real-time ledger posting, integration with origination and collections, security controls and deployment options. Juris OneCore covers these areas, so you can test it against your RFP.

Get started with Juris OneCore today

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