Instalment (Qist) Business Management
Every qist customer, their guarantor, their schedule and their overdue amount — in one place instead of a file rack.
A qist business lives or dies on recovery, and recovery runs on knowing exactly who owes what today. In most electronics and bike showrooms that knowledge sits in a register, a stack of agreement files, and the recovery officer's own notebook. It works while volumes are small. At three hundred live accounts it stops working, usually quietly — a few customers slip two months behind before anyone notices, and by then the guarantor has stopped answering as well.
What gets built here is a record of the agreement and everything that happens after it: the down payment, the schedule, each qist received and by whom, what remains, and who stood guarantee. The software does not recover money. It makes sure nobody has to guess which doors the officer should knock on tomorrow.
What it fixes
- Live accounts spread across agreement files, so the real total outstanding is never known on any given day
- Overdue customers discovered a month or two late, by which time the amount has grown past easy recovery
- Guarantor details written on the agreement and effectively lost — nobody can produce them the day they are needed
- Recovery officers collecting cash on a route with handwritten receipts, and the showroom reconciling from memory in the evening
- No history of a customer's past behaviour, so a known defaulter is sold to again on a verbal reference
- Disputes about how many qists were actually paid, with the customer's receipt book and the shop's register disagreeing
What gets built
A starting point, not a fixed list. The build is scoped to your own process before anything is written.
Customer and guarantor file
One record per customer with CNIC, address, phone numbers and document photographs, and the guarantor held as a linked record rather than a line of handwriting on the agreement.
Agreement and schedule
Item sold, cash price, qist price, down payment, number of instalments and due dates generated from the agreement date — so the schedule reads the same on your screen as on the customer's card.
Qist receipts
Each payment recorded against a specific instalment with the collector named, which is what makes part payments and advance payments explainable six months later.
Overdue and ageing view
Who is one month behind, who is three, and how much each case now carries — the list the recovery meeting actually needs, sorted rather than recalled.
Recovery routes
Due and overdue accounts grouped by area so an officer leaves with a day's list, and collections entered on a phone against that list instead of transcribed at night.
Edit control and trail
Who may change or cancel a recorded qist, and a record of every such change. In a cash recovery business this is the most important decision in the build, and it is worth making deliberately before go-live.
Who this is for
Electronics, furniture, mobile and bike dealers selling on instalments, from roughly fifty live accounts upward, where recovery is handled by one or more officers on a route. It is not for a shop with a handful of instalment customers the owner knows personally — the register is honestly still faster. It is also not a credit-scoring or legal-collection tool: it records and reports, it does not decide who is creditworthy and it does not make a defaulted case enforceable.
Questions
Will this reduce our defaults?
Not by itself. What it changes is how early you see a slip and how completely you can produce the agreement, the guarantor and the payment history when you need them. Recovery still depends on your officers and your terms. Anyone promising that software lowers default rates is selling you something.
Can the recovery officer collect on his phone with no signal on the route?
That has to be designed in rather than assumed. Where signal is unreliable the collection screen must hold entries locally and sync when it reconnects, which is extra work and needs careful handling of duplicate receipts. Tell us about your routes and we will scope it honestly.
Can customers pay through JazzCash or Easypaisa instead of cash?
It can be integrated, but each needs your own merchant account, their approval, and their transaction fees — none of which we control. We scope it as a separate piece of work. Most qist businesses start with cash recording and add a gateway once volumes justify the fees.
Tell us how your qist business runs.
We scope it first — what it takes, how long, what it costs. No obligation.