Hi James, I have added the solution design and requirement to the JIRA ticket https://issues.apache.org/jira/browse/FINERACT-1926 . As mentioned these are solution design and requirements only and don't contain the user manual or configuration details yet ( The document work is in progress as part of the Fineract Capabilities documents that we are building as part of Pepper Soup project)
So, I am not sure about moving these to Asciidoc or to the Apache Fineract wiki "user pages as of now. Regards, Bharath Lead Implementation Analyst | Mifos Initiative PMC Member | Apache Fineract Mobile: +91.7019635592 http://mifos.org <http://facebook.com/mifos> <http://www.twitter.com/mifos> On Sat, Sep 13, 2025 at 1:15 AM James Dailey <[email protected]> wrote: > Bharat - Thanks for sharing this information. It should be part of the > documentation that we offer at Fineract. > > Are these already on Jira tickets? If so, that's a good first step. > Then, do we move a summary to Asciidoc or to the Apache Fineract wiki "user > pages"? > > thanks, > James Dailey > > > > On Fri, Sep 12, 2025 at 10:05 AM Bharath Gowda <[email protected]> wrote: > >> Hi Wilfred and All, >> >> There is no specific feature available for co-lending but Fineract >> offers a new Functionality "Asset Externalization" which allows >> organizations to sell their loans(portfolios) to other Funders. >> But right now it is built only to support 100% of loan Sell and Buybacks >> but doesn't yet support the sharing of two owners to the same loan account. >> >> I believe the current "Asset Externalization" which is fully functional >> can be extended further to support owner sharing based on % as well. >> >> Attached links contains More Details of Asset Externalization for your >> reference >> >> >> https://drive.google.com/file/d/1G0yXqHx9u-3_3fAH8oeA8T5hHh9Ij4Kp/view?usp=drivesdk >> >> >> https://drive.google.com/file/d/1aNrj5ygssOic39J6gRARTdNV5d77ewAs/view?usp=drivesdk >> >> Regards, >> Bharath >> Lead Implementation Analyst | Mifos Initiative >> PMC Member | Apache Fineract >> Mobile: +91.7019635592 >> http://mifos.org <http://facebook.com/mifos> >> <http://www.twitter.com/mifos> >> >> On Thu, Sep 11, 2025, 5:13 PM Paul <[email protected]> wrote: >> >>> Co-lending - Split participations are relatively complex. >>> >>> Lender A may be invested at a 9% yield and be the servicer charging >>> serving fees. >>> They may keep late fees or split them based on ownership %. >>> Lender B may be at a 7.5% yield with Lender A retaining rate spread. >>> >>> Participations may have multiple investors . . . and of course the >>> customer's accounting is NOT impacted in any way by the investor or number >>> of investors. >>> Then there are multiple reporting and compliance requirements to >>> consider. >>> >>> I'm not familiar with what Fineract can support today, but IMO the >>> effort would need a dedicated group/team, servicing domain expert, months >>> of planning and requirement writing, then build and test. Testing would >>> take months and that is assuming +50% or more could be automated. >>> >>> Regards >>> Paul >>> >>> On Thu, Sep 11, 2025 at 1:38 AM Kigred Developer < >>> [email protected]> wrote: >>> >>>> @Bharath Gowda <[email protected]> >>>> I am suspecting you could be familiar with the co-lending subject. Do >>>> you think this qualifies as a new feature (or something worthy of being on >>>> a road map)?. >>>> The first time I interfaced with the term, it sounded exotic it sounded >>>> new but a couple of days later after discussing it with a colleague, it >>>> looks like something that can be accomplished by combining a couple >>>> existing features i.e (Accounting and a bit of automation if necessary). >>>> >>>> This is what I have so far understood about CO-LENDING: >>>> 1. BANK A issues a loan to a customer but this loan is not funded by >>>> BANK A alone. >>>> 2. There is another BANK B, that is providing the additional funds to >>>> make this happen (hence the term CO-LENDING). >>>> 3. To simplify it we can assume that BANK A took a loan themselves from >>>> BANK B (payable with interest). >>>> 4. The customer that took the may not even need to know that there is >>>> BANK B in the picture, his only obligation is to repay the loan they took >>>> with interest following the set installments. >>>> 5. Depending on the terms agreed between BANK A and BANK B, every time >>>> the customer makes a repayment to the loan they took, the outstanding >>>> balance will reduce and everything updated (normally), but additional >>>> accounting entries will be needed, that is BANK A settling their >>>> obligations to BANK B. >>>> >>>> That is all I believe there is to it, am I missing something? >>>> Regards >>>> Wilfred >>>> >>> >>> >>>
