Binny,
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.
>> At API level we have given a flexibility where in one center/group can
have more than one meeting calendar associated to it. If the second loan
wants to follow a different disbursement/ repayment frequency then they
can choose appropriate meeting calendar to meet their requirements.
We are trying not to tie meeting calendar to JLG loans, if a meeting
calendar is attached to a loan (this can be very much handled in UI) then
only meeting calendar validations will come in place.
regards
Ashok
On Fri, May 3, 2013 at 4:47 PM, Keith Woodlock <keithwoodl...@gmail.com>wrote:
> Binny,
>
> At the platform level we are going to support maximum flexibility so we
> havent built in contraints like the disbursement one mentioned above
> exactly for the reasons you outlined - its not clear to me if GK really
> want this also (but they might). Allowing the client app built on top of
> the platform to bake in contraints is a very much the strategy an
> application developer would take - we at platform level cant be all things
> to all people - workflow and buisiness process rules that are not industry
> norms would be put in at the app level so users of the app dont have to
> worry about these things.
>
> So we wont be putting in any hard coded business rules like disbursement
> date must match meeting date unless its clearly an industry norm (which its
> not) and I would fight against putting in configuration everywhere to
> support these types of scenarios as well. If GK or another MFI care enough
> about this rule (its central to their process) they can tweak the UI to
> support it.
>
> regards,
> Keith.
>
>
> On Fri, May 3, 2013 at 12:08 PM, Binny Gopinath
> <binny.gopin...@gmail.com>wrote:
>
>> 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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