Wilfred It’s probably important to include in your scenario the kinds of reports and data results you expect as each Bank has a need to partition their bucket of loans. Ie to have payment stream tracked to their “portfolio”.
Probably existing functionality around FUND would allow some version of this or more likely to use the concept of tagging specific loans. In that case Fineract supports this - again depending on more details from an actual financial institution. Sent from Gmail Mobile On Thu, Sep 11, 2025 at 1:39 AM Kigred Developer <kigred.develo...@gmail.com> wrote: > @Bharath Gowda <bgo...@mifos.org> > I am suspecting you could be familiar with the co-lending subject. Do you > think this qualifies as a new feature (or something worthy of being on a > road map)?. > The first time I interfaced with the term, it sounded exotic it sounded > new but a couple of days later after discussing it with a colleague, it > looks like something that can be accomplished by combining a couple > existing features i.e (Accounting and a bit of automation if necessary). > > This is what I have so far understood about CO-LENDING: > 1. BANK A issues a loan to a customer but this loan is not funded by BANK > A alone. > 2. There is another BANK B, that is providing the additional funds to make > this happen (hence the term CO-LENDING). > 3. To simplify it we can assume that BANK A took a loan themselves from > BANK B (payable with interest). > 4. The customer that took the may not even need to know that there is BANK > B in the picture, his only obligation is to repay the loan they took with > interest following the set installments. > 5. Depending on the terms agreed between BANK A and BANK B, every time the > customer makes a repayment to the loan they took, the outstanding balance > will reduce and everything updated (normally), but additional accounting > entries will be needed, that is BANK A settling their obligations to BANK B. > > That is all I believe there is to it, am I missing something? > Regards > Wilfred > > On Sun, Aug 24, 2025 at 2:33 PM Kigred Developer < > kigred.develo...@gmail.com> wrote: > >> Greetings Devs, >> >> I been interested in the co-lending subject, is there a way to accomplish >> this in the current version? If not, then I think it is a good candidate >> for fineract 2.0. >> >> Regards. >> Wilfred >> >> On Mon, 12 May 2025, 23:54 James Dailey, <jdai...@apache.org> wrote: >> >>> Community - >>> >>> It is probably past time to have a discussion about the future of >>> Fineract and what we want to see going forward. >>> >>> I would like to get your ideas for a Survey of users and developers. >>> >>> In that survey, which we would push to as many users and developers of >>> Fineract as possible, we would ask things about developer experience, user >>> interfaces, API documentation, connecting to payments, enabling connections >>> to third party systems, security, code quality, and in general a number of >>> topics that relate to the roadmap ideas that have surfaced in the past two >>> years. >>> >>> I will also include a few of the previously asked questions from our >>> community surveys in 2019, 2021, and 2022 so that we can have a time >>> series, e.g. around questions of "how did you learn about the project?" and >>> "how are you using it?" >>> >>> https://cwiki.apache.org/confluence/display/FINERACT/Survey+Results+2022+November >>> >>> >>> Please respond here with questions and topics to cover. If there is no >>> objection I will formulate the questions and send out the survey using >>> Google Survey by the end of next week with responses due by June 4th. >>> I'll ask for the community to promote the survey as much as possible to >>> relevant people. >>> >>> Thanks, >>> >>
