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http://mifosforge.jira.com/browse/MIFOS-2773?page=com.atlassian.jira.plugin.system.issuetabpanels:comment-tabpanel&focusedCommentId=57056#action_57056
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Kay Chau commented on MIFOS-2773:
---------------------------------
The logic should be - the user should be allowed to pay any amount up to the
balance outstanding but not over that amount. It should be rejected if it is
over the rest of the balance due. If not, it should be accepted, and if it's
over the next installment due, the difference should be allowed to future
installments due.
> bank import rejects overpayments when they should be applied to the next
> installment
> ------------------------------------------------------------------------------------
>
> Key: MIFOS-2773
> URL: http://mifosforge.jira.com/browse/MIFOS-2773
> Project: mifos
> Issue Type: Bug
> Components: Misc
> Affects Versions: Release 1.4
> Reporter: Sam Birney
> Priority: Critical
>
> we noticed that sometimes a customer pays (e.g.) $102 when their next
> expected payment in mifos is $98. If this is the final payment, the bank
> import is correctly not allowing the overpayment. However, if there is
> another payment due next month of $98, should not the correct bank import
> behavior be to apply $98 to the current installment and $4 to the next
> installment? When manually applying payments this is what happens, so
> shouldn't it be the same in bank import?
> it does happen often, mainly because their old MIS puts rounding leftovers in
> the first repayment, and Mifos puts it in the last. So a normal old loan may
> have a schedule of (102,98,98,...,98) and in Mifos it is (98,98,...,98,102).
> So, the customer goes to pay 102 and Mifos is expecting 98. So, this will
> happen almost all of the time during the next year of transition, but then
> will become more rare once all the active loans have schedules that were
> generated by Mifos.
> -Adam Monsen wrote:
> Until we get the chance to look at this, you might check out the
> following:
> * in the import plugin, we actually do a running total since the API
> doesn't support this type of validation. This might be causing or
> related to the problem you're seeing
> * LoanBO#paymentAmountIsValid and friends appear to allow overpayment of
> one installment as long as it doesn't exceed the total repayable amount
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