Understanding users’ referrals on the Admin Console

Introduction

Referral programs are an important growth strategy for digital lenders because they help increase borrower acquisition through trusted customer recommendations. When existing users refer friends, family members, or colleagues to a lending platform, it often leads to higher-quality borrower acquisition, improved trust, and lower customer acquisition costs.

For lenders using Lendsqr, tracking user referrals helps provide visibility into referral performance, user engagement, and borrower growth patterns. It also enables operations and support teams to monitor referral relationships, investigate referral-related issues, and better understand how users are contributing to platform growth.

The referrals section within a user’s profile allows admins to quickly view all users referred by a borrower and access the profiles of those referees directly from the admin console.

This guide explains how to access and view user referrals within the Lendsqr admin console, including use cases, best practices, and operational considerations.

What are user referrals?

User referrals are users who join your lending platform through referral links, codes, or invitation systems shared by existing borrowers.

Referral systems are commonly used by lenders to:

• Encourage customer growth
• Reward existing borrowers
• Increase app downloads
• Improve borrower retention
• Build trust through peer recommendations

When a referral is successful, the referred borrower becomes associated with the referring user within the system.

Admins can then track these relationships from the referrals section inside the user profile.

Why referrals are important for lenders

Referral systems can significantly improve lending business growth while reducing acquisition costs.

Some key benefits include:

• Lower marketing spend
• Higher borrower trust
• Increased app adoption
• Better borrower retention
• Organic customer growth
• Improved customer engagement

Referral-based borrowers are often more likely to trust the platform because they were introduced by someone they already know.

This makes referral programs especially valuable in competitive digital lending markets.

How to view a user’s referrals

Follow the steps below to access and monitor referrals associated with a user profile.

Step 1: Open the user profile

Log in to your lender admin console. Locate the borrower whose referrals you want to review.

Step 2: Navigate to referrals

Inside the user profile, locate the Referrals section. Click on Referrals to view all users associated with that borrower’s referral activity. This section displays records of users who signed up through the borrower’s referral link or referral process.

Step 3: Open a referee’s profile

Click any referral record in the referrals list. Selecting a referral record opens the referee’s user profile, allowing admins to:

• Review borrower details
• Monitor account activity
• Check loan applications
• Review repayment history
• Investigate referral-related concerns

This makes it easier to trace borrower relationships and manage referral-driven user activity.

Also read: How to configure referrals for your users

What information can admins view from referrals?

Depending on your organization’s setup and permissions, the referrals section may provide access to:

• Referred borrower profiles
• Referral activity history
• Loan application activity
• Account status information
• Borrower engagement details
• Registration timelines

This visibility helps lenders better understand referral performance and borrower behavior.

Use cases for referral tracking

Referral tracking supports multiple operational and growth-related workflows.

Monitoring referral program performance

Growth teams can analyze how effectively referral campaigns are driving borrower acquisition.

Investigating referral fraud

Admins can investigate suspicious referral activity, such as duplicate accounts or abuse of referral incentives.

Understanding borrower networks

Support and operations teams can better understand borrower relationships and referral patterns.

Reviewing borrower quality

Lenders can compare repayment performance between referred borrowers and organically acquired users.

Managing referral rewards

Teams responsible for incentives can verify referral relationships before issuing referral rewards or bonuses.

Relevant permissions

To access referral information, users may require:

• Access to user management modules
• Permission to view borrower profiles
• Access to referral management sections
• Admin or super admin permissions, depending on organizational settings

If you cannot access referral records, contact your organization administrator for permission updates.

Best practices for managing referral programs

Best practices for monitoring referral quality

Do not focus only on referral volume. Monitor the quality and repayment performance of referred borrowers as well.

High referral numbers are less valuable if referred borrowers consistently default.

Best practices for fraud prevention

Regularly review referral activity for unusual patterns such as:

• Multiple accounts using the same device
• Repeated referrals from identical information
• Suspiciously rapid account creation

This helps reduce referral abuse and incentive fraud.

Best practices for rewarding users fairly

Ensure referral rewards are issued only after verification requirements are completed, such as:

• Successful registration
• Loan approval
• Repayment milestones
• Identity verification

Best practices for tracking referral performance

Monitor metrics such as:

• Referral conversion rates
• Active referred users
• Loan application rates
• Referral repayment performance
• Referral retention rates

These insights help improve referral campaign effectiveness.

Frequently asked questions

What is a referral in Lendsqr?

A referral is a borrower who joins the platform through another user’s referral link, code, or invitation process.

Can admins view referred users directly?

Yes. Admins can open referral records directly from the referrals section within a user’s profile.

Why are referrals important for lenders?

Referrals help lenders acquire borrowers organically while improving trust and reducing marketing costs.

Can referral activity be monitored?

Yes. Admins can track referral relationships and review referred borrower profiles within the admin console.

Who can access referral information?

Access depends on your organization’s permissions and role configuration.

Can referrals help identify fraud?

Yes. Monitoring referral patterns can help identify suspicious account activity and potential referral abuse.

What happens when I click on a referral record?

Clicking a referral record opens the referred borrower’s profile, where admins can review account and loan-related information.

Also read: Why Lendsqr is Africa’s most affordable loan management software