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https://issues.apache.org/jira/browse/FINERACT-657?page=com.atlassian.jira.plugin.system.issuetabpanels:comment-tabpanel&focusedCommentId=17750017#comment-17750017
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ibrahim kimbugwe commented on FINERACT-657:
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Hello [~bgowda] 

Just an update, This issue has been fixed on the standing instructions as per 
your recommendations. I have done functional tests and they checked out well 
and the scope of the fix is as below;
 # The system runs the scheduler job to transfer the money as per the job if 
one account does not fulfil the condition, that account is skipped.
 # For loan repayment, The job checks if the loan is due. If yes, it picks and 
transers the money as per the dues(if set that way in the standing instruction) 
for accounts that don't have money will be skipped. The skipped accounts will 
be overdue the next day so, when the scheduler is ran the next day, the cooount 
will be overdue and it will check the savings account if there is money 
deposited. If yes, the system will pick all the free money (not on hold) and 
repay the amount equivalent to the overdue. If the available balance on the 
savings account is less than the overdue fees, the available balance is pick 
and repayed against the loan. This is repeated until the loan is no longer 
overdue.

Please advise on the same as [~francisguchie] will be working on PR if you 
think the logic is okay.

 

Thank you

> Enhancement of Standing Instruction dealing with insufficient  fund in 
> Savings Account
> --------------------------------------------------------------------------------------
>
>                 Key: FINERACT-657
>                 URL: https://issues.apache.org/jira/browse/FINERACT-657
>             Project: Apache Fineract
>          Issue Type: Improvement
>          Components: Loan, Savings
>    Affects Versions: 1.8.0, 1.8.1, 1.8.2, 1.7.3
>            Reporter: Santosh Math
>            Assignee: Rahul Pawar
>            Priority: Major
>              Labels: p2
>             Fix For: 1.9.0
>
>
> (Original Description By  Zayyad in mailing list)
> Current Behaviour:
> If there isn't sufficient funds in the linked savings account, Scheduler jobs 
> for "Execute Standing Instruction" gets failed. And the repayment doesn't 
> happen. 
>  Expected Behaviour:
> We have had an enquiry before that if the linked savings doesn’t have enough, 
> then the system should recover the whole amount available in the account and 
> once the account is credited with any other amount the same is deducted until 
> the amount due is fully collected.



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