Kisti Installment Software for Mobile Shops in Bangladesh

Across Bangladesh, mobile and electronics shops sell a large share of phones, TVs, fridges and motorbikes on kisti — a down payment followed by weekly or monthly instalments paid directly to the shop. For many customers it's the only practical way to buy a good phone. For the shop, it's steady business — as long as every kisti is recorded and followed up.

Where paper kisti books fail

• No due list: the book shows what each customer owes, not who should pay today.
• Lost guarantor details: when a customer stops paying, the guarantor's NID and phone number are needed immediately.
• Calculation mistakes: partial payments make balances easy to get wrong.
• One book, one risk: water, fire or a lost book can erase months of records.

What good kisti software should do

1. Create the schedule automatically from the price, down payment and number of kistis.
2. Save the customer's and guarantor's name, phone and NID on the sale.
3. Link the sale to the exact phone by IMEI.
4. Show who is due today, this week and overdue.
5. Apply partial and early payments correctly.
6. Report how much was collected each day, and by which staff member.

Weekly or monthly?

Weekly kisti suits customers paid daily or weekly, and gives you earlier warning when someone starts to fall behind. Monthly kisti suits salaried customers. Good software lets you choose per sale rather than forcing one schedule on every customer.

Free kisti management with MobiPOS

MobiPOS includes all of the above as part of a full shop POS — stock, purchases, expenses, profit reports and multiple branches — and it is free for lifetime. It runs in the browser on any phone or computer, so there is nothing to install.

The easiest way to switch is to record every new kisti sale in MobiPOS from today, and add existing customers from your book when they come in to pay.