A full web core banking and information management system for banks and microfinance institutions managing Sharia-compliant financing, deposits, and integrations.
NEEM Product Overview
Is NEEM Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Islamic banks
- Microfinance institutions
What It Does Well
- Sharia finance workflows
- Financing management
Things to Check
- Senegal and Niger fit
- Sharia rules coverage
About NEEM
NEEM is a full web core banking and information management system (SIG) for banks, microfinance institutions, and Islamic finance providers that need Sharia-compliant products and centralized operations.
Key capabilities include:
- Islamic financing products (non-participative): supports Ijara, Mourabaha, Moussawama (including membership and exit tracking, client segmentation, KYC, solidarity groups, and third-party monitoring), Qard Hasan, and Salam (gold and silver excluded).
- Participative financing: supports Moudaraba and Moucharaka structures with shared risk and profit logic.
- Deposits and investment accounts: includes Wakala investment account structures where the institution acts as an execution intermediary under a remuneration condition.
- Core banking operations and openness: provides centralized real-time accounting, manages operations from multiple flows in transactional or batch mode, and exposes native integration via an integrated API Manager and Kafka bus.
Available on Web, with integration support via APIs (API Manager) and Kafka-based connectivity.
Built for B2B financial institutions, including Islamic microfinance institutions and other regulated finance operators that require Sharia-compliant product catalogs and operational traceability.
Notable in the West African context, it is described as compliant with BCEAO regulations, audited by international firms, and positioned for deployments in the sub-region and beyond the UEMOA zone, with references including Salam FI and other Islamic finance institutions shown by Sensoft.
NEEM Facts
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Frequently Asked Questions About NEEM
NEEM is a full web core banking and information management system for banks and microfinance institutions that need Sharia-compliant finance and deposit products. It centralizes real-time accounting and operations, supports Islamic and conventional finance workflows, and can process transactions in both real-time and batch modes via a modular architecture.
Pricing for NEEM is not publicly listed; it follows a paid, quote-based enterprise model. You need to request a quote (Demander un devis) to get specific pricing for your institution.
NEEM is deployed in the West African sub-region and in markets outside the UEMOA zone, with references including institutions such as Salam Finance in Niger. Specific additional countries are not detailed, so its broader geographic coverage is not fully specified.
To sign up for NEEM, you typically contact Sensoft to discuss your institution’s needs and request a quote, then proceed through an implementation project. You can start this process by reaching out via the contact emails or the “Demander un devis” options on the site.
NEEM is best suited for banks, microfinance institutions, Islamic microfinance institutions, and other regulated financial institutions that require Sharia-compliant core banking, deposit, and financing operations. It also fits organizations focused on financial inclusion and those needing centralized, traceable finance workflows.
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