Hi Piotr, 1. I will allow the community to provide a detailed response, but I have personally observed a few organizations that have successfully adopted the progressive engine in a production environment.
2. I do not believe there are significant deficiencies, but certain functionalities such as floating interest rates, variable installments, top-up options, and collateral are recognized areas for improvement. However, the charge module has been fully implemented and should function as configured. If you could provide additional details regarding instances where charges have disappeared, I would be able to investigate further. 3. I do not believe depreciation is currently under discussion or planned. However, the progressive model is considered more refined and structured, and to my knowledge, any future enhancements at the community level will be based on this progressive model. 4. I will defer to the technical experts to provide a response on this matter. 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, 16 Apr, 2026, 1:03 pm Piotr Wargulak via dev, < [email protected]> wrote: > Hello Community, > > At SolDevelo, we've been working on some customizations in Fineract around > *Cumulative > Loan* (e.g.: a Loan Charge for which interest is charged). > > As we move toward production, we are re-evaluating whether the *Progressive > Loan* engine is now the recommended path for new implementations. > I’d appreciate the community’s perspective on a few technical concerns: > > 1. Are any community members using the Progressive engine at scale in > production? > 2. Are there significant gaps in the Progressive engine compared to > the older Cumulative model? We've seen that a Loan Charge configured for a > specific date would, at some cases, disappear from a schedule. > 3. Is there a consensus on whether Cumulative will eventually be > deprecated, or is it intended to remain as the core engine for traditional > microfinance products? > 4. How "pluggable" is the Progressive engine for custom logic? Is it > easier to extend than the traditional loan schedule generators? > > We want to make sure our current development effort isn't a "dead end." If > anyone recently migrated from Cumulative to Progressive or chose one over > the other for a recent launch, I’d love to hear your reasoning. > > Best regards, > Piotr Wargulak > SolDevelo > > > > *SolDevelo* Sp. z o.o. [LLC] / www.soldevelo.com > Al. Zwycięstwa 96/98 > <https://www.google.com/maps/search/Al.+Zwyci%C4%99stwa+96%2F98?entry=gmail&source=g>, > 81-451, Gdynia, Poland > Phone: +48 58 782 45 40 / Fax: +48 58 782 45 41 >
