Ashok, Keith,
I would suggest to keep this configurable at the product level. When
defining the loan product, we have a flag that states whether the loan
disbursement should coincide with the meeting date or not. Also, if we
implement the validation in the UI, then there is the risk of different
front-ends (web, mobile etc.) dealing with this differently. So shouldn't
this check be done on the API side?
If we tie the disbursement date to meeting date, I see couple of
disadvantages:
a) Actual disbursement happens on a non-meeting date -
Examples:
Disbursement is done at the branch and not at the center meetings
Or
There is a loan product where a vendor supplies goods (like solar lamp
or water purifier) to the MFI customer and the once installation of the
lamp or purifier is completed, the vendor submits bills to MFI and MFI does
disbursement. Customer repays the cost of lamp or purifier to MFI with
interest. Here disbursement will rarely be on a meeting date.
b) Will it be possible to disburse 2 loans products of 2 different
disbursement/repayment frequencies to a customer who belongs to a group?
For ex. customer has a JLG loan which is disbursed and re-paid at meetings
and there is an Emergency loan which is disbursed and repaid outside of the
group meetings.
I would like to hear from other MFI users, if you think there are any
disadvantages in tying disbursement to meeting dates.
Thanks
Binny
On Fri, May 3, 2013 at 3:50 PM, Ashok <as...@confluxtechnologies.com> wrote:
> Hi Amit,
>
> Right now I don't have much details about the workbook or workflow of
> group lending process used in GK, we tried to add existing features from
> Mifos. The Center and Group functionality in MifosX covers very basic, it
> requires lot of improvements.
>
> @Binny, do you have any details of GK's group lending workflow.
>
>
> Regards
> Ashok
>
>
> On Fri, May 3, 2013 at 10:45 AM, AMIT JAIN <amitjain....@gmail.com> wrote:
>
>> Hello Ashok,
>> Can you sahre a group lending process workbook or workflow with me after
>> that I am able to understand the process at MIFOS-X.
>>
>> Might be there methodology is different from us.
>>
>> Let me understand first.
>> Thanks and Regards
>>
>>
>> On Fri, May 3, 2013 at 10:35 AM, Ashok <as...@confluxtechnologies.com>wrote:
>>
>>> Hi Ed,
>>>
>>> Whatever Keith has mentioned is correct, thanks Keith.
>>>
>>> Most of the restrictions are on UI, based on new requirements and user
>>> inputs we can add more flexibility to group lending APIs. Soon I will be
>>> talking to Binny on GK requirements that should cover most of the common
>>> scenarios.
>>>
>>>
>>> Regards
>>> Ashok
>>>
>>>
>>>
>>> On Thu, May 2, 2013 at 10:07 PM, Keith Woodlock <keithwoodl...@gmail.com
>>> > wrote:
>>>
>>>> Ed,
>>>>
>>>> As far as i understand this is a 'constraint' put in on the ui side
>>>> (although it looked like theres a check on it in the backend) for JLG
>>>> loans. That is you can still choose any disbursement date you like for
>>>> 'individual loans' and as you say most people from group context will want
>>>> that flexibility to but its not baked in by an means, the guys are trying
>>>> to replicate what they see on mifos for GK which is fair enough cause there
>>>> GK requirements.
>>>>
>>>> Keith.
>>>>
>>>>
>>>> On Thu, May 2, 2013 at 5:29 PM, Ed Cable <edca...@gmail.com> wrote:
>>>>
>>>>> Ashok,
>>>>>
>>>>> Thanks for the demo today of the group lending functionalities in
>>>>> Mifos X.
>>>>>
>>>>> I was concerned about the inability to select a disbursement date
>>>>> outside of the meeting date. Isn't this a limitation from legacy Mifos
>>>>> that we were seeking to remove?
>>>>>
>>>>> I understand that if a client doesn't belong to a center that they can
>>>>> have a loan (individual or group) regardless of meeting date but is it now
>>>>> such that if a client belongs to a center, the loan (group or individual)
>>>>> can only be disbursed on the meeting date?
>>>>>
>>>>> Does the flexibility to disburse outside of meeting date add too many
>>>>> complexities at the group level? Is this the same for loans at the
>>>>> individual level?
>>>>>
>>>>> Thanks,
>>>>>
>>>>> Ed
>>>>>
>>>>
>>>>
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