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.