R12 / Reports and Excel

Read debt period activity

Learn how to read debt period activity on Pennie's Reports page.

Find it: Bottom tabs > Reports

Video walkthrough

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Worked examples use sample data, not your account. Reference screenshots show the current app controls in a Windows preview; their example amounts may differ from this lesson. Android system prompts vary by device.

Step 1

Find Debt activity

  1. Find Debt activity
  2. Read each debt direction carefully
  3. Activity does not prove settlement

Debt activity summarizes movements in the selected period.

You-owe debt and money owed to you use different movement directions.

Step 2

Read borrowing and repayment

  1. Read borrowing and repayment
  2. Read each debt direction carefully
  3. Activity does not prove settlement

Borrowing increases You-owe debt; repayment reduces it.

A relevant transfer repayment is included.

The sample loan's net activity is separate from outstanding debt.

Step 3

Read lending and collection

  1. Read lending and collection
  2. Read each debt direction carefully
  3. Activity does not prove settlement

Lending increases money owed to you.

Collection reduces that receivable.

Read the category direction before interpreting the display sign.

Step 4

Targets do not record payments

  1. Targets do not record payments
  2. Read each debt direction carefully
  3. Activity does not prove settlement

Debt goals compare recorded repayments or collections with targets.

A configured target is not a saved payment.

It does not prove all debt is settled.

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