Hello all, It is nice to meet you all over email and I look forward to working with you!
Ed, thank you very much for the introduction. Ashok and Nayan, I look forward to receiving your feedback. I am currently working through consolidating the Generation 1 and Generation 2 specs for Group Lending Support, along with identifying opportunities for any improvements with the new Fineract CN architecture. As Ed mentioned I would be keen to hear from current users, both from the perspective of users at MFIs offering group lending and users who have group accounts. I am flexible in terms of timings for calls so if you would be interested in discussing your Group Lending requirements as a Mifos user, please do get in touch. Kind regards, Tancred On Tue, Apr 10, 2018 at 12:10 AM, Ed Cable <edca...@mifos.org> wrote: > Hi all, > > I wanted to bump this thread to the top once more as it's critical part of > the journey to parity and I was hoping for some input from partners and > users in our community who have been focused on these methodologies for > better of the past decade. Ashok and Nayan will soon be providing some > feedback on this thread. > > I also have a product management volunteer, Tancred, who is willing to > jump on some calls with folks and document your requirements and > consolidate requirements from the previous two generations of software > along with the needs of other group-based methodologies all in the context > of the new Fineract CN architecture. Getting a clear spec in space is > critical for equipping any future contributors/interns to work on such > projects. I've cc'd Tancred on this email. > > As we seek to come to consensus of how we can extract the strengths of > Fineract 1.x and its support of group-based operations and layer on them > greater flexibility and benefits of the new architecture, we'll consider > some of the following questions: > > *Group FormationAdministration* > - Formation of the Group > - Existence within the Center Hierarchy > - Group Details Tracking (Officers, Attendance, Training, etc) > - Transfers/Interactions of Clients Across Groups > - Clients belonging to one or multiple groups. > - Permission of Loan Officers/Data Scoping Related to Groups > - Assigning of Loan Officers to Groups. > > *Calendar/Meeting* > - At what level is this tracked - what activities can occur during a > meeting, how interlinked to repayment schedule is the meeting, etc. > - Collection Sheet Functionality - Generating collection sheet report and > bulk entry interface for group/center data > > *Accounting at Group Level* > - Here is where we had the biggest gap between support for joint liability > group lending and what was needing for savings groups to allow for > bookkeeping and settlement at the group level. > > *Loan Product Management* > - Just as we've done with Fineract 1.x - all loan parameterization that is > available to an individual loan should be available at a group loan level > as well. Likewise, charges, collateral tracking, guarantors should all > function similarly for group as it does individuals. > - Likewise for deposit product management, I would assume a group or > center is just another entity that you could then attach savings or deposit > account too. > > *Monitoring at Account Level * > - This is where we get into the distinctions between the various forms of > group loans in this wiki page (https://mifosforge.jira.com/w > iki/spaces/MIFOSX/pages/31358990/Loan+Tracking+strategies) and where > complexity and confusion comes in - at what level of tracking is done, loan > at group or individual level, co-liability amongst borrowers/group members, > are individual amounts different, is there a repayment schedule at an > individual or group level, does the loan get counted in the loan cycle > counter/go into their credit history, etc. > - At what level do repayments occur - for integrations with mobile money, > this is an important distinction to make. > - Loan Cycle Counter & Linkage to Graduation > > > > On Fri, Mar 9, 2018 at 3:51 PM, Ed Cable <edca...@mifos.org> wrote: > >> Hello all, >> >> I want to put this out to the community to assist with so we can move >> forward with implementing group lending support on Fineract CN which is one >> of the key paths forward with parity between Fineract CN and Fineract 1.x. >> >> Can you please help draft the spec for group-based operational >> methodologies >> <https://cwiki.apache.org/confluence/display/FINERACT/Group-Based+Financial+Inclusion+Methodologies> >> ? >> >> It's also a barrier for students who are applying to a potential GSOC >> project around a web UI for group lending support. >> >> We have more than a decade of learning and knowledge of implementing >> proper group lending support from our original gen 1 software (Mifos 2.x) >> and our gen 2 software (Mifos X/Fineract 1.x) so I don't want us to throw >> away all that knowledge and think we have to completely re-invent the wheel. >> >> However I do want us take the learnings we implemented from the >> transition to Gen 1 to Gen 2 as well as the learnings/improvements we want >> to make off of Gen 2. We also want to bear in mind not just support >> traditional JLGs/Solidarity groups but also Savings Groups, Village >> Banking, Self Help Groups, etc. >> >> I know that across the community we have both technical as well as >> operational individuals who are experts in these matters so I really want >> to challenge you all to assist the community in this regard. To get >> everyone started, I'm putting in place a wiki page at >> https://cwiki.apache.org/confluence/display/FINERACT/Group- >> Based+Financial+Inclusion+Methodologies to house the spec and also >> linking to all the past specs/pseudo-requirements documents from before. >> >> Generation 1 - Mifos 2.x >> >> - Group Accounts FS: http://mifosx.openmf.org/M >> ifos%20website/mifos.org/functional-specifications/account- >> management/group-accounts.html >> >> <http://mifosx.openmf.org/Mifos%20website/mifos.org/functional-specifications/account-management/group-accounts.html> >> or https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/ >> 73466196/Group+Accounts >> - Center Accounts FS: http://mifosx.openmf.org/M >> ifos%20website/mifos.org/functional-specifications/account- >> management/center-accounts.html >> >> <http://mifosx.openmf.org/Mifos%20website/mifos.org/functional-specifications/account-management/center-accounts.html> >> - GLIM: https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/44 >> 56859/GLIM+Functional+Specification >> >> <https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/4456859/GLIM+Functional+Specification> >> and https://mifosforge.jira.com/wiki/spaces/MIFOS/ >> pages/4456866/Group+loan+with+individual+monitoring >> >> <https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/4456866/Group+loan+with+individual+monitoring> >> - Loans: https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/ >> 7700948/Loans >> >> >> Generation 2 - Mifos X >> >> - Groups API: https://demo.openmf.org/api-docs/apiLive.htm#groups >> - Groups & Centers User Manual: https://mifosforge.jir >> a.com/wiki/spaces/docs/pages/52035634/Clients+Groups+and+Centers >> >> <https://mifosforge.jira.com/wiki/spaces/docs/pages/52035634/Clients+Groups+and+Centers> >> - Loan Tracking Strategies: https://mifosforge >> .jira.com/wiki/spaces/MIFOSX/pages/31358990/Loan+Tracking+strategies >> >> <https://mifosforge.jira.com/wiki/spaces/MIFOSX/pages/31358990/Loan+Tracking+strategies> >> - Group Loan FS (early-stage): https://mifosfo >> rge.jira.com/wiki/spaces/MIFOS/pages/28213252/New+ >> Group+Loan+Functional+Specification >> >> <https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/28213252/New+Group+Loan+Functional+Specification> >> and https://mifosforge.jira.com/wiki/spaces/MIFOSX/ >> pages/25821209/Group+Lending+MifosX+FS >> >> <https://mifosforge.jira.com/wiki/spaces/MIFOSX/pages/25821209/Group+Lending+MifosX+FS> >> - Self-Funded Groups: https://mifosforge.jir >> a.com/wiki/spaces/MIFOSX/pages/113017056/Self-Funded+Groups+ >> SHGs+Savings+Groups+VSLAs >> >> <https://mifosforge.jira.com/wiki/spaces/MIFOSX/pages/113017056/Self-Funded+Groups+SHGs+Savings+Groups+VSLAs> >> - Savings Groups per DreamStart Labs Requirements (Design for >> Fineract Data Model) >> - Savings Requirements v1.1 >> >> <https://cwiki.apache.org/confluence/download/attachments/75975654/Mifos_SG_Reqs_v1.1_edits.docx?version=1&modificationDate=1520639290346&api=v2>Savings >> Groups Requirements v1.1 Dreamstart Labs >> >> <https://cwiki.apache.org/confluence/download/attachments/75975654/Mifos_SG_Reqs_v1.1_edits.docx?version=1&modificationDate=1520639290346&api=v2> >> Labs >> >> <https://cwiki.apache.org/confluence/download/attachments/75975654/Mifos_SG_Reqs_v1.1_edits.docx?version=1&modificationDate=1520639290346&api=v2> >> - Savings Groups User Stories >> >> <https://cwiki.apache.org/confluence/download/attachments/75975654/SHG_UserStories_Design.docx?version=1&modificationDate=1520639343727&api=v2> >> - Savings Groups Estimates >> >> <https://cwiki.apache.org/confluence/download/attachments/75975654/SHG%20Estimates.xlsx?version=1&modificationDate=1520639352132&api=v2> >> >> >> Ed >> >> -- >> *Ed Cable* >> President/CEO, Mifos Initiative >> edca...@mifos.org | Skype: edcable | Mobile: +1.484.477.8649 >> >> *Collectively Creating a World of 3 Billion Maries | *http://mifos.org >> <http://facebook.com/mifos> <http://www.twitter.com/mifos> >> >> > > > -- > *Ed Cable* > President/CEO, Mifos Initiative > edca...@mifos.org | Skype: edcable | Mobile: +1.484.477.8649 > > *Collectively Creating a World of 3 Billion Maries | *http://mifos.org > <http://facebook.com/mifos> <http://www.twitter.com/mifos> > >