Staff turnover is a reality in many microfinance institutions.
Loan officers move on, sometimes abruptly. and when that happens, the ripple effects can be felt far beyond the HR team.
One of the most overlooked consequences?
Unassigned clients and unresolved follow-ups.
When it’s unclear who’s responsible for a borrower, repayments get delayed. Promises made by one officer go untracked. And cases quietly go cold until they show up weeks later as non-performing loans.
High loan officer turnover is one of the most common and most costly sources of portfolio risk.
In some institutions, up to 30% of loan officers might cycle out in a year. Each departure creates dozens or hundreds of “dangling” relationships, where:
And often, it’s not that anyone wants to drop the ball, it’s that there’s no clear process to hand it off.
With Juakali, reassigning tasks when a loan officer leaves is no longer a question of discipline or memory, it’s automatic.
As soon as an admin deletes a user, the system immediately prompts them to reassign any open tasks.
No separate checklist. No manual reports. No chance of forgetting.
Whether it’s a pending site visit, a repayment reminder, or an open renewal case, everything is surfaced for reassignment. The new assignee gets full context - client history, current status, and upcoming actions - so they can pick up the case seamlessly.
Of course, Juakali isn’t just about handling churn, it also helps reduce it.
By automating routine tasks, surfacing the right information at the right time, and cutting down on unnecessary admin, Juakali helps make the day-to-day life of loan officers more manageable and satisfying.
But when someone does move on, we make sure their clients don’t get lost in the process.
