Binny, Ashok,
>> 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.
I believe, calendar is used to set first repayment date not disbursement
date. If that is the case above scenario will be handled.
Thanks
Nayan Ambali
On Fri, May 3, 2013 at 4:38 PM, Binny Gopinath <[email protected]>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 <[email protected]>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 <[email protected]>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 <[email protected]>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 <
>>>> [email protected]> 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 <[email protected]> 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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--
Regards
Nayan G. A.
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