Hi Jeff,
Thanks for the feedback, definitely got me thinking :)
Please find my responses in-line.
-------------------
Nandini,
Great work with the specification! As a tester, I really appreciate the
attention to details and clear stories you?ve provided.
I have a few general comments/considerations to mention. Some of these
may be open questions to others on the team as well?
1. For story 2, The post conditions mentions an association between
the members that co-sign. How is this association represented to the
user? What is the association in detail?
The implementation details have to be worked out yet. But as far as the
user goes, the loan account details will display the co-signing members
along with the other details captured at the time of creation.
2. For story 2, does GLIM validate the individual loan amounts add
up to the group loan total displayed? How do fees and penalties reflect
in these totals?
The GLIM total displayed is the sum of the individual loan amounts (i.e.
amounts assigned to each co-signing member). No fees/penalties are
reflected in this total. And GLIM does not validate the individual
amounts, since tracking individual repayment and thus individual loan
cycle is out of the feature scope.
3. Are there use cases for adding fees and penalties to groups and
clients that are part of a GLIM? Any difference between accounts in GLIM
for fees and penalties?
Adding fees and penalties in a GLIM is exactly the same as adding fees and
penalties in a regular group loan. The transaction happens at the GLIM
level, that is , it is a single/common transaction for all the co-siging
members together.The only difference being that the number of co-signing
members in a regular group loan are all the members in the group where as
in a GLIM the co-signing members are a subset of the group members.
4. How does bulk entry work/not work with GLIM?
5. How does create multiple loan accounts work/not work with GLIM?
I'm sure about this. Can somebody pitch in here?
6. Are there use cases for making adjustments/changes to payments
that are part of a GLIM account?
Yes, there are use cases for making adjustments to a GLIM - similar to #
3.
7. Should logging make some indication that the account is part of a
GLIM process?
Well, if the existing logging in the system already makes an indication as
to whether an account is a group account, then it should automatically
indicate a GLIM account as well. Since, when the individual monitoring
setting is ON, it that means all regular group loans cease to exist. The
only loans the application now processes are GLIM loan accounts and
regular individual loan accounts. Does that make sense?
8. Product mix should be accounted for when setting up GLIM. Not
sure why validations of story 4 mention product mix since the user story
is more to do with loan disbursal dates.
The validation trigger is the disbursal date because there is a
possibility of a time gap between the date of creation (setting up a GLIM)
of the loan and the actual date of disbursement of the loan. And in that
time gap, the portfolio of any of the co-sigining members can change.
Therefore, the validation takes into the account the portfolio of the
co-signing members at the actual time of disbursement and not any time
before.
9. For story 4, what if there is a client who has a creation date
later than the rest of the group? What is the trigger for valid disbursal
date ? the latest date, group creation date?
The trigger for a valid disbursal date should be the next meeting date,
which is independent of the creation date of any client whether its later
than the rest of the group or not.
10. For reverse and redo of GLIM accounts, what specifically should be
updated in performance history? Client metrics, group metrics, both? What
about the loan counter in these scenarios?
In case a loan is reversed or redone - the Client and group performance
histories need to be updated.
The status of the reversed loan is changed to 'cancelled' with a
'reversed' flag and for a redone loan the status is changed to 'active in
good standing' and flagged as 'redone' .
Since the loan statuses are changed, when the metrics (including loan
cycle counter) are recalculated, it is automatically taken care of.
I have changed the word 'update' to 'recalculate' in the spec for clarity
and also included the specific metrics which need to be recalculated.
11. For story 9, what is the default setting for GLIM in a new build
environment ? enabled or disabled?
The default GLIM setting in a new build environment is 'disabled'.
Kind regards,
Jeff
From: [EMAIL PROTECTED]
[mailto:[EMAIL PROTECTED] On Behalf Of
Nandini Yadalam
Sent: Tuesday, July 08, 2008 2:18 AM
To: 'Mifos functional discussions'
Subject: [Mifos-functional] Group Loans with Individual Monitoring -
version2
Hi All,
I'm working on fleshing out the Group Loans with Individual Monitoring
feature. I've put up an initial draft here -->
http://www.mifos.org/developers/wiki/GLIMVersion2
Take a look and let me know what you think. More specifically, what you
think can be done better :)
Thanks
Nandini
-------------------------------------------------------------------------
This SF.Net email is sponsored by the Moblin Your Move Developer's challenge
Build the coolest Linux based applications with Moblin SDK & win great prizes
Grand prize is a trip for two to an Open Source event anywhere in the world
http://moblin-contest.org/redirect.php?banner_id=100&url=/
_______________________________________________
Mifos-functional mailing list
[email protected]
https://lists.sourceforge.net/lists/listinfo/mifos-functional
