Couple of thoughts that I already sent via e-mail as well.
* Loan tracking via Excel is a bad idea. Many have tried it and failed.
* Check out Mifos.Org. It's an open source micro-finance project. Its not perfect, but its a great place to start off. You can take it and build in the unique CSS stuff. I'd recommend retaining the local consultants to help implement it. (you can throw them a few meaty bones)
* Pirated software can be corrected via a non-profit program that MSFT has to provide software. You can also buy old MSFT licenses on the cheap via eBay :). Did that for Karen's version of Crystal. So we can bestow a legal version on them if we'd like.
We'll keep praying for you guys. Its a tough, chaotic project. Remember that the Lord's ways are not our ways.