noema.financing
Comprehensive Lending Coverage
A Unified Architecture Linking CML, TRM, BPM, Analytics, and External Ecosystems
noema.financing integrates SAP CML and SAP TRM with:
- A modern workflow and BPM engine for end-to-end process orchestration across loan origination, servicing, amendments, refinancing, and project disbursements
- SAP BTP APIs for interoperability with payments, CRM, DMS, credit bureaus, scoring engines, SWIFT, and more
- SAC dashboards and analytics for portfolio performance, disbursement forecasting, project risk, and funding exposure
The result is a single financing platform supporting:
- Corporate lending
- Project & Development lending
- Loans taken / institutional borrowing
- Funds management
- Islamic finance
- Treasury products
all within a consistent UI/UX and governance model.
Full Coverage of Conventional Lending (Corporate & Project Finance)
Built natively on SAP CML — the same core lending engine deployed at institutions like the Islamic Development Bank — the solution supports:
- Corporate lending including term loans, working capital, structured finance, addenda, refinancing, covenant monitoring, collateral management, and restructuring workflows.
- Project lending, including multi-year disbursements, amendments, additional financing, utilization of savings, refinancing, and full contract lifecycle management.
The flexibility of SAP CML is enhanced by Noema’s Product Configurator, allowing precise definition of interest conditions, fees, repayment methods, and product parameters for all loan types — enabling fully parameterized product catalogs for corporate and development operations.
Credit Lines / Borrowings, Syndicated Loans
Through deep integration across its workflow, data, and analytics layers, noema.financing supports Credit Lines & Borrowings and Syndicated Loans — a critical requirement for development institutions, governments, and multilaterals that must manage both their debt and funding needs to finance long-term lending programs.
- Raise funds from external partners, donors, lenders, and co-financiers
- Manage bilateral or syndicated borrowing arrangements
- Channel these resources into development operations across sectors and countries
A Two-Sided Balance Sheet View
By design, noema.financing provides both sides of the balance sheet:
Assets:
- Loans given (corporate, project finance), fully supported by the CML-based contract lifecycle, amendments, refinancing, and disbursement workflows.
Liabilities:
- Credit Lines
- Borrowings
- Syndicated Loans
This ensures that institutions can track their funding sources with the same rigor and governance as they track their lending portfolios — enabling unified reporting, analytics, repayment flows, exposure monitoring, and institutional risk views.
Funds & Donation Management for Development Institutions
The platform incorporates Funds Management required for multi-source and donor-funded projects, especially relevant to Islamic development institutions and DFIs. This scope includes:
- Management of donor funds and sub-funds
- Multi-source financing attribution
- Integration with project components and budget controls
- Multi-currency commitments and allocations
The funds management capabilities are explicitly referenced in Islamic Development Bank implementations and solution extensions.
Comprehensive Islamic Finance Product Suite
noema.financing provides one of the most complete Islamic lending frameworks available on SAP, built on the extended SAP CML platform and already deployed at major institutions.
Products supported include:
- Ordinary loans with service fees
- Istisna’a (construction / manufacturing financing)
- Ijarah (lease-based financing)
- Murabaha and Installment Sales
- Restricted Mudaraba
- Musharaka (profit-sharing models)
All products come with:
- AAOIFI-compliant accounting scenarios
- Sharia-compliant cash flow and repayment schedule logic
- Islamic fee structures
- Dual-calendar support (Hijri & Gregorian)
- Islamic-specific reporting as documented in the Islamic Loan Products implementation files
This ensures DFIs, especially multilateral and regional Islamic institutions, operate on a platform that satisfies governance, accounting, and Sharia requirements out of the box.
Multi-Language, Multi-Currency & Multi-Calendar Support
The platform natively supports:
- Multiple currencies across financing plans, contracts, and repayments
- Multiple calendars (Hijri/Gregorian) for Islamic products and regional operations
- Multi-language interface switching and localized date, number, and document formatting
This is essential for DFIs operating across countries with diverse legal, language, and cultural requirements.
