BAI Microfinance

BAI Microfinance gives you 12 practical financial management tools, built for micro-entrepreneurs, artisans, traders, and credit officers across francophone Africa. Whether you run a workshop, a market stall, a farm, or a loan portfolio, BAI Microfinance delivers instant, reliable answers — no banking jargon, no permanent internet connection required. ─── 12 TOOLS INCLUDED ─── FREE TOOLS - Interest Rate — Calculate simple interest on your loans and savings. - Discount Rate — Calculate the discount, agio, and encashable value of your trade bills. - Debt Ratio — Assess your debt-to-income ratio and borrowing capacity. - Credit Amount — Simulate loan amount, duration, and monthly repayments. ADVANCED TOOLS - Periodic Savings — Calculate the future value of your regular savings. - Fixed-Term Savings — Calculate the return on a compound interest investment. - Budget — Track income and expenses to plan your monthly budget. - Financial Statement — Build a complete financial balance sheet (assets and liabilities). - Repayment Schedule — Generate a detailed amortization table for any loan. - Stock Management — Track inventory movements using the PUMP method. - Cost Price — Calculate the exact cost price of your products. - Selling Price — Set your VAT-inclusive selling price with your target margin. ─── WHY BAI MICROFINANCE? ─── - 4 completely free tools, no subscription required. - Simple, intuitive interface designed for users with limited digital experience. - Available in French and several African languages (Fon, Wolof, Mooré, Dioula…) so you can use it in your mother tongue. - Instant results — no bank account or external validation needed. - Built by BAI, a Canadian organization with over 10 years of experience in digital education across Africa. BAI Microfinance is part of the BAI Education platform — a complete ecosystem for vocational training and digital learning tools available in 30+ African languages. Download BAI Microfinance and take control of your finances today.