Privacy Policy


ASPEKT is the data controller described herein to which the visitor has submitted their data. Parts of the website that contain documents or software demonstrations, may request provision of personal information in an online form in order to be able for access. It is visitors choice to whether to provide the information or try to contact ASPEKT by any of the direct contact information, given on the website (phone or email). When you access this website you confirm that you are not under 18 years old and that you have read and understood our privacy policy/cookie policy.

The information on this Web site and any files that can be downloaded are the proprietary information of ASPEKT. By using this site, you agree to the terms of the ASPEKT Privacy Policy. ASPEKT is not responsible for the content or privacy practices of other websites visitors may choose to link to from this website.

Data collection

The information collected on the website is voluntarily provided by visitors and ASPEKT collects only minimum information required to complete visitor’s request and may include name, occupation and company address, contact e-mail and telephone.

The identifying information is collected to allow visitors to register to certain areas of the website, to inquire further information or for the sole purpose of better understanding visitor’s interest in our company and products.

In any instance where non-mandatory information is sought, the website visitor will be notified of this at the point of collection. ASPEKT does not collect any type of sensitive information through our website. Sensitive information may include race or ethnic origin, political opinions, religious beliefs, physical or mental health, sexual life or criminal record. We suggest that you do not provide sensitive information of this nature.

Data security

All data collected via ASPEKT websites is securely maintained. ASPEKT does not undertake responsibility if due to data flow over networks while connecting you to our websites without security measures is accessed and used by people other than those for whom the data is intended.

Use of data gathered

ASPEKT confirms that all the information on the site is used only for the intended purpose stated at the time that the information is collected. This data is not shared with a third party, unless otherwise disclosed at the point of collection. If there is an instance where such information may be shared, the visitor will be asked for permission beforehand.

Use of website data

Except as otherwise indicated elsewhere on this website, visitors may view, copy, print and distribute documents available to the following conditions:

  • solely for personal, informational, non-commercial purposes

  • the document may not be modified in any way

Data retention

ASPEKT confirms to retain the data received, for promotional purposes. Generated mailing list information or emails are kept for indefinite period of time and are disposed when they are either no longer under consideration or are considered dated.

Visitor rights

You will be duly informed every time ASPEKT website asks for access to your personal data. If you wish to inform ASPEKT that you don’t want to personal data to be kept or used for any purpose, you can contact us on by using the Contact us form. In such cases, we will retain minimum personal data to note that you asked to avoid contacting you again.


© Copyright 2021 ASPEKT. All rights reserved.


Cookie definition

A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer’s hard disk so that the website can recognise you when you revisit and remember certain information about you. This can include which pages you have visited, choices you have made from menus, any specific information you have entered into forms and the time and date of your visit.

Managing cookies

Cookies may be used on some pages of our website to assist us in providing a more pleasant website experience. If you want to determine the use of cookies, check if the browser permits you to decline cookies. The website allows visitors to refuse a cookie and still navigate the website.

Cookie use

This website uses cookies. By using this website and agreeing to these terms and conditions, you consent to our ASPEKT’s use of cookies in accordance with the terms of ASPEKT’s cookies policy.

clients say
  • "It's an outstanding system. Having a full overview and control over the branch operations in due time is a huge advantage when corrective actions should take place. Before ASPEKT, it was difficult and lot of effort was invested, to analyze the performance and make conclusions that will lead to improving business processes." - Credit Director
  • "Before ASPEKT, I had to remember all loan conditions, criteria and other rules and I was continuously under pressure not to make any errors. I felt a huge relief when ASPEKT system was introduced, everything is now predefined: amount limitations, interest rates, provisions, etc., even the loan contract templates are automatically generated so no additional double-checking is needed." - Loan Officer
  • "With Aspekt Microfinance Software, we have complete control over the corporate portfolio. Our active portfolio is monitored accurately and we are able to make future assumptions based on historic data, making precise risk assessment." - Risk Manager
  • "Aspekt Microfinance Software helped me better manage my time. When I start in the morning, I can make a quick review for: status of open loan applications, loan disbursements, clients with payments due for the day, new loan in arrears, portfolio outstanding, etc. Everything can be found from one location, so I can efficiently prioritize daily tasks and coordinate other activities with my colleagues." - Loan Officer
  • "Administering one system, from one central location saved time, improved the control and security mechanisms of our IT Department. I’m more than glad to recommend this highly flexible solution to other companies." - System Administrator
  • "With the integrated functionalities and controlling procedures in Aspekt Microfinance Software, we could easily locate a breach of procedures and prevent frauds. The solution is adjusted to detect errors and inappropriate transactions." - Risk Manager
  • "Before ASPEKT, I couldn't monitor neither review my performance. I waited for my Branch Manager to receive reports from head office, to find out about exact number and amount of outstanding loans, PAR and delinquency, drop-outs etc. Now with Aspekt Microfinance Software, I can even predict my performance in near future." - Loan Officer
  • "Before ASPEKT, the field audit in a single branch could last for 4-5 days. Now, with ASPEKT I can do most of the preparation work in my office and be more efficient on the field." - Internal Audit
  • "I can't imagine that all client's information and records are at one place. Before ASPEKT it was extremely difficult to check the credit history of returned clients, and we could make mistakes and approve loans even to rejected clients. With ASPEKT we can also review the repayment history of clients coming from other branches." - Loan Officer
  • "Before ASPEKT, we didn't have reliable information to assess performance. We were overburden with forms and excel spreadsheets and no information on how other branches perform." - Branch Manager
  • "With Aspekt Microfinance Software we can efficiently and accurately control all cash transactions. Borrower's cash receipts are printed from the system only when payment transactions are entered by Loan Officers. This prevents from handing over the cash outside of branches." - Internal Audit
  • "I'm happy now that Loan Officers I'm supervising can spend much more time on a field with clients. Before ASPEKT, the manual administrative work occupied so much of their time so that they were unable to recruit new borrowers and reach the projected growth." - Branch Manager
  • "Once ASPEKT was introduced, our efficiency increased, allowing our MFI to grow by 50% with current human resources. Aspekt Microfinance Software contributes on replacing the manual and routine tasks, so that staff can spent more time on innovations and development." - CEO
  • "ASPEKT is not just a simple loan tracking software. I used to travel in every branch once per month to monitor and appraise each branch performance. Now, I can monitor the progress and identify weaknesses from distance." - Credit Director
  • "With this vendor, we didn’t receive just a system sophisticated to be administered independently from the vendor, we also got entire team that supports us in any situation and is more than happy to help us continuously improve our operations." - System Administrator
  • "Aspekt Microfinance Software as one integrated solution offers full coverage of MFI's business process. It's an excellent management tool that improves decision-making processes. The flexibility and adoptability perfectly match the dynamic environment in which our MFI operates." - CEO
  • "With the centralization of the data we got smart system that streamlines all financial activities we perform on a daily basis. Payment transactions are automatically posted in general ledger and our department is able to perform complex financial analysis, using customized financial reports." - Accounting Officer
  • "Aspekt Microfinance Software is very flexible and managed to fully incorporate our internal risk management policies and procedures. I can generate customized reports on clients and loan portfolio and closely monitor and analyze the credit risk before and after disbursements. The information from the system is the baseline for any improvements on risk policies and procedures I have recommended." - Risk Manager