Finance
Fee Intelligence
Collection performance and outstanding ageing for Term 1 · September 2026, measured against the 85% target set by the board. Amounts are ledger values reconciled against the bank statement.
Collected to date
Of PKR 24.5M invoiced for the term
Outstanding
Across current, 1–30, 31–60 and 60+ day cohorts
Collection rate
Target 85% · 4.2 points to close
Accounts 31 days or older
PKR 1.4M across the 31–60 and 60+ cohorts
Fee Intelligence
Collection performance and outstanding ageing for Term 1 · September 2026
- Expected
- PKR 24.5M
- Collected
- PKR 19.8M
- Outstanding
- PKR 4.7M
- Collection Rate
- 80.8%
Collected vs outstanding
- CollectedPKR 19.8M80.8%
- OutstandingPKR 4.7M19.2%
Outstanding ageing
Total PKR 4,700,000- Current214 accountsPKR 2.1M45%
- 1–30 Days168 accountsPKR 1.2M26%
- 31–60 Days96 accountsPKR 700K15%
- 60+ Days18 accountsPKR 700K15%
Detected patterns
Concentration, movement and the proposal attached to each. No figure here is estimated, and no cause is asserted without evidence.
Finance
Fee collection concentration
- Fact
- PKR 0.7M of outstanding fees sits with 18 accounts that are 60 or more days overdue.
- Trend
- That cohort grew by 12 accounts this week and now represents 14.9% of total outstanding fees.
- Suggested action
- Place the 18 accounts on a formal follow-up schedule with the finance manager before the next term invoice run.
AI governance in this module
Nothing below the analytics tier executes without an authorised human decision, and consequential decisions are never initiated by the intelligence layer.
Runs automatically
Collection rates, ageing cohorts and concentration analysis are computed from the ledger and reconciled each morning at 07:30.
Requires authorisation
Fee reminders and escalations are drafted from ageing rules, then routed to the finance review queue. The intelligence layer never contacts a family directly.
Human decision only
Payment plans, fee waivers, penalties and write-offs are finance decisions. Past 60 days, a second reviewer is required before any outbound escalation is released.