SmartHawala
Hawala Management Information System
A sophisticated international money transfer platform built specifically for hawala operations. Manage multi-branch, multi-currency transfers between countries with full customer account tracking, daily reconciliation, and comprehensive financial reporting.
Everything You Need to Run Hawala Operations
From sending a hawala to daily cash closing — every workflow is covered, automated, and auditable.
Hawala Transfer Management
- Auto-generated hawala numbers per branch (KW1-0001, AF1-0001)
- Sender & receiver branch tracking with dual-currency support
- Split payments: cash (naghday) + loan (baqaya) + digital
- Status tracking: Sent → Completed or Cancelled
- Completion types: In-person or third-party delivery
- Full cancellation workflow with user & timestamp audit
- Sent & received hawala views per branch
- Hawala export to file for reporting
Customer Account Management
- Full customer profiles with unique ID (UID), Tazkira, addresses
- Walk-in customer support for anonymous one-time senders
- Complete customer ledger with all debits & credits by currency
- Multi-currency running balance calculation
- Customer balance breakdown: advance vs. loan
- Customer ledger export to file
- Quick-add modal for fast customer creation
- Real-time customer search by name, phone, UID, father name
9 Transaction Types
- Hawala Cash — cash portion of hawala transfers
- Hawala Loan — loan portion of hawala (baqaya)
- Hawala Mutabaqaya — deferred payment portion
- Cash Advances — direct cash to customer accounts
- Digital Advances — link/account payments
- Loans — customer debt tracking
- Transfers — between customer accounts
- Mutabaqaya to Kata — convert deferred to loan
- Mutabaqaya Payments — cash or digital settlement
Daily Cash Closing (Roznamcha)
- Automated daily cash movement calculation
- Multi-currency closing with per-currency breakdown
- Previous closing balance carryover
- Jama (credits) and banam (debits) totals
- Expense integration into daily closing
- Date locking — closed dates cannot be modified
- Manual roznamcha journal entries for adjustments
- Daily closing export for record keeping
Multi-Branch Operations
- Unlimited branches across multiple countries
- Branch-specific data isolation & operations
- Users assigned to multiple branches with switching
- Offline branch mode for remote locations
- Branch inter-settlement (kata) accounting
- Branch-to-branch ledger with credit/debit history
- Manual & hawala-based kata entry creation
- Branch kata export for reconciliation
Digital Payments & Delivery Network
- Multiple digital accounts (K-Net, STC Pay, bank transfers)
- Per-branch digital account configuration
- External reference & provider transaction ID tracking
- Digital account transaction history & export
- Third-party delivery shop management with contacts
- Province-based shop organization for remote delivery
- Commission tracking per delivery with currency selection
- Delivery confirmation & tracking with sent/delivery dates
Reporting & Analytics
- Roznamcha report — daily cash movement by currency
- Mutabaqaya report — outstanding deferred payments
- Jama report — all credits by date, currency, customer
- Banam report — all debits by date, currency, customer
- Customer ledger statements with full history
- Branch settlement reports for inter-branch accounting
- Expense reports by branch and date range
- Export all reports to file for offline analysis
Security & Administration
- 3-tier role system: Super Admin, Kuwait Manager, Kabul Manager
- 24 granular permissions for fine-grained access control
- Multi-branch user assignment with branch switching
- Soft deletes on all sensitive data for audit trail
- User tracking on every create, update, and delete
- Exchange rate management with buy/sell rates
- System settings: branches, provinces, countries, currencies
- Full database export & backup capability
Hawala Transfer Lifecycle
From the moment a customer walks in to send money — to the final delivery confirmation on the other side.
Customer & Transfer
Customer walks in, selects receiver details, and chooses payment split — cash, loan, or digital. Hawala number is auto-generated.
Payment & Recording
Transactions are recorded per type. Roznamcha-affecting items hit the daily cash book. Kata items affect customer balances.
Delivery
Receiving branch completes the hawala in-person or routes through a third-party shop with commission tracking.
Reconciliation
Daily cash closing locks the date, calculates all jama/banam, and carries forward the balance. Branch kata settles inter-branch debts.
Built for Money Transfer Businesses
Hawala Businesses
Multi-branch hawala operations with daily reconciliation, customer accounts, and deferred payment tracking.
Exchange Companies
Multi-currency exchange operations with buy/sell rates, digital payment integration, and comprehensive reporting.
Money Transfer Agents
Third-party delivery networks with commission tracking, remote shop management, and delivery confirmation.
Ready to Streamline Your Hawala Operations?
See SmartHawala in action. Schedule a personalized demo and discover how it can simplify your multi-branch money transfer business.