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Consolidated Financial Reports

Haven Grazuri Investment Limited — Management Accounting Suite

Double-Entry Accounting Date-Range Filtering PDF Export Excel/CSV Export IFRS Standards Microfinance KPIs
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Chart of Accounts

Complete general ledger account listing with live balances. Browse all assets, liabilities, equity, income and expense accounts with descriptions and subtype groupings.

Live balances as of any date
Type & status filtering
Search by code, name, or description
Per-account ledger drill-down
4 PDF report types available
Open Chart of Accounts →
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Trial Balance

Lists all account debit and credit balances as of a selected date. Confirms your books are mathematically accurate — total debits must equal total credits.

Select any date for balance
Automatic balance check (balanced/unbalanced)
Shows debit vs credit by account
PDF & Excel/CSV export
Prerequisite for financial statements
Open Trial Balance →
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Income Statement (Profit & Loss)

Shows all revenue earned and expenses incurred in a period. Tells you whether the business made a profit or loss, and exactly where each came from.

Custom date range (start → end)
Revenue by account category
Expenses by category (staff, ops, tech...)
Profit margin & expense ratio KPIs
PDF & Excel/CSV export
Open Income Statement →
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Balance Sheet

A snapshot of everything owned (assets), owed (liabilities), and net worth (equity) at a specific date. The fundamental financial health check.

Select any historical date
Assets by subtype (current, fixed, loan portfolio)
Full liability breakdown (statutory, tax, borrowings)
Equity ratio & debt-to-equity ratio
Accounting equation verification (A = L + E)
Open Balance Sheet →
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Cash Flow Statement

Tracks actual cash movement into and out of the business. Splits cash flows into operating, investing, and financing activities to show liquidity position.

Operating, investing & financing sections
Custom date range filtering
Cash opening & closing balance reconciliation
Non-cash adjustments (depreciation add-back)
PDF & Excel/CSV export
Open Cash Flow →
Loan Aging Report

All active loans bucketed by days overdue. Critical for monitoring portfolio quality, provisioning for loan losses, and identifying high-risk borrowers.

7 aging buckets (Current to 365+ days)
PAR (Portfolio at Risk) ratio
Branch & product filtering
Borrower contact details
CSV export per bucket
Open Loan Aging →
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SasaPay Reconciliation

Money in (C2B), money out (B2C disbursements), IPN log status, unmatched payments and net control account position.

Open Report →
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Profit & Loss (Detailed)

Detailed P&L with branch filtering, loan portfolio breakdown, and direct calculation from loan records.

Open Report →
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Financial Statements

Simplified balance sheet view: gross portfolio, NPL, cumulative income, expenses and net equity overview.

Open Report →
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Reports Dashboard

Main reports hub with loan performance, collections, delinquency, disbursements and demographic analytics.

Open Dashboard →
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Accounting Standards & Compliance

These reports follow double-entry bookkeeping principles and are structured in accordance with IFRS for SMEs and CGAP Microfinance Reporting Standards. All entries follow the fundamental accounting equation: Assets = Liabilities + Equity.

Key accounts covered: Loan portfolio, allowance for credit losses, interest receivable, PAYE/NHIF/NSSF payables, bank charges, M-Pesa transaction fees, depreciation, and all operational overhead categories.

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