Hi Sorry for being slow, I am still digesting the raised pull request and the description you have shared.
Regards, Adam > On 2025. Jul 14., at 19:40, LIZBETH ANGELICA MARTINEZ CEJA > <liz.marti...@fintecheando.mx> wrote: > > Hello Fineract Community, > Is there any comment about the previous email? > > El vie, 11 jul 2025 a las 14:03, LIZBETH ANGELICA MARTINEZ CEJA > (<liz.marti...@fintecheando.mx <mailto:liz.marti...@fintecheando.mx>>) > escribió: >> Hi Fineract Community, >> >> We would like to share a recent contribution to the platform related to >> improvements in savings account behavior: >> >> PR: https://github.com/apache/fineract/pull/4837 >> JIRA: https://issues.apache.org/jira/browse/FINERACT-2312 >> >> This pull request introduces an approach to accruals handling for savings >> accounts. In cases where a deposit or withdrawal occurs after accruals have >> been generated, the system will now remove all accruals from the transaction >> date onward without regenerating them. This change aims to improve both data >> consistency and system performance while avoiding duplication or >> misalignment in accounting records. >> >> >> Savings Account Improvements >> PR: https://github.com/apache/fineract/pull/4837 >> >> Savings products can now be configured with accrual accounting. Any savings >> account can record accrual transactions. >> To reproduce, follow the steps below for interest-related issues. >> Create the Savings product according to the configuration >> Create a retroactive and active savings account >> Run the job: admin->systems->Manage jobs →Add Accrual Transactions For >> Savings >> RunPost interest for Savings job, if the above works do not work. >> (Ideally, the accumulation transaction for the savings should be added, >> which should be published >> Check the accounting entry for the created savings account accrual >> transaction >> >> Currently, overdraft savings account transactions are not supported using >> accrual-based accounting entries. >> We need to support accrual accounting entries for overdrafts. Interest >> transactions and overdraft accrual transactions must be recorded using >> accrual accounting. >> Acceptance criteria: >> The accounting entry for the overdraft interest transaction is modified to >> support accrual accounting. >> It is an existing transaction: changes were made to the accounting entries >> to support accrual accounting. >> Overdraft transaction that is posted to the savings account through the work >> “Post interest for savings. >> A new overdraft accrual transaction type was integrated to debit the >> interest import. >> A new transaction type will be introduced and new accounting entries have >> been added. >> Overdraft accrual transactions are recorded only for accounts that are in >> overdraft status. >> The accumulation transaction is published by the same job “Add Accrual >> Transactions For Savings" with the frequency established for the job. >> To play >> Create a savings product like the one attached. >> Create a retroactive savings account and activate it and some deposit or >> withdrawal amount. >> Run the job “Add Accrual Transactions For Savings”. >> The first day of each month the work must be carried out "Post interest for >> savings” >> >> >> >> >> Currently the system only calculated the accruals once a day and if a >> deposit or withdrawal was made it did not calculate the new accrual. With >> the implementation, when calculating the accrual, if several withdrawals >> and/or deposits are made in one day, it must calculate the accrual several >> times. >> Accrual is recorded on the same date when a deposit is made at the end of >> the day. >> The accrual is recorded on the same date when a withdrawal is made at the >> end of the day. >> The system should repeat the day's accrual if the balance changes that day >> due to a deposit or withdrawal. >> For example >> To play >> Set billing date: June 5, 2025 >> Create/approve/activate the overdraft account as of June 2, 2025 >> Deposit 10,000 starting June 2nd >> Make accruals >> Deposit 10,000 starting June 3rd >> Make accruals >> Withdraw 40,000 starting June 4th >> >> >> >> >> >> >> >> >> We’ve also included detailed documentation to support the proposed changes, >> including the use case and technical details. >> >> We invite the community to review the proposal and share any feedback, >> questions, or concerns. >> >> Best regards, >> >> Lizbeth Martínez
