Aman-Mittal commented on issue #772:
URL:
https://github.com/apache/fineract-backoffice-ui/issues/772#issuecomment-6211139038
## Business process flow (loss recognition and recovery)
```mermaid
stateDiagram-v2
[*] --> Active
Active --> ChargedOff: chargeOff + reason\n(CHARGEOFF_WORKINGCAPITALLOAN)
ChargedOff --> Active: undoChargeOff\n(UNDOCHARGEOFF_WORKINGCAPITALLOAN)
Active --> WrittenOff: writeOff + reason\n(WRITEOFF_WORKINGCAPITALLOAN)
ChargedOff --> WrittenOff: writeOff\n(WRITEOFF_WORKINGCAPITALLOAN)
WrittenOff --> Active: undoWriteOff, only if no
recoveries\n(UNDOWRITEOFF_WORKINGCAPITALLOAN)
WrittenOff --> WrittenOff:
recoveryPayment\n(RECOVERYPAYMENT_WORKINGCAPITALLOAN)
```
```mermaid
sequenceDiagram
actor Maker as Collections officer (maker)
participant UI as Backoffice UI
participant F as Fineract
actor Checker as Credit-risk manager (checker)
Maker->>UI: Write-off loan, choose reason
UI->>UI: hasPermission(WRITEOFF_WORKINGCAPITALLOAN)?
UI->>F: POST /working-capital-loans/{id}/transactions?command=writeOff
F-->>UI: queued (maker-checker on)
UI-->>Maker: "Submitted for approval"
Checker->>F: Approve in Checker Inbox
(WRITEOFF_WORKINGCAPITALLOAN_CHECKER)
F-->>F: Post write-off journal entries via product GL mapping
```
## UI mockup
```text
┌ Working Capital Loan #000123 · Active · 95 days past due ────────────────┐
│ [⋮ More actions] │
│ ├ Charge-off … ← CHARGEOFF_WORKINGCAPITALLOAN │
│ ├ Write-off … ← WRITEOFF_WORKINGCAPITALLOAN │
│ └ (Undo charge-off / Undo write-off / Recovery payment appear only │
│ in the states shown in the diagram above) │
└──────────────────────────────────────────────────────────────────────────┘
┌ Write-off loan ──────────────────────────────────── ⚠ destructive ───────┐
│ Outstanding to write off 32,410.00 │
│ Write-off date * [ 2026-10-16 📅 ] │
│ Reason * [ Borrower insolvent ▾ ] (code values) │
│ Note [ ] │
│ This closes the loan as written off. Undo is blocked once a recovery │
│ payment is posted. │
│ [Cancel] [Write off loan] │
└──────────────────────────────────────────────────────────────────────────┘
```
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