Thanks Lassaad, One clarification: If we did build this functionality in a way that supported your requirements, when would you want the system to validate that the previous loan was paid off? Would you want the system to check before the loan was moved into approved state-- and if the previous loan wasn't yet paid off, then give an error? Or would you want the system to check only at time of disbursement?
Checking only at time of disbursement would be too late for MFIs that use collection sheets. But checking at time of approval would probably be OK. Would that work for you? Emily. > -----Original Message----- > From: Lassâad Ben Hadj [mailto:[EMAIL PROTECTED] > Sent: Monday, January 28, 2008 10:59 AM > To: Emily Tucker > Cc: Wassim Ali-Hassan (Contractor); 'Mifos functional discussions' > Subject: RE: Calculating loan amount based on amount of previous loan > > Hi Emily, > > This feature is very interesting and it is not identified for > oxia to work on, only for financial reasons, but according to > your description it can't be used by ENDA since 73 % of loans > are disbursed immediately after the old loan is paid off. > I hope that in future this feature will be improved so the > status of the old loan can be configured in the > organizational settings for example. > > Regards > Lassaad > > -----Message d'origine----- > De : Emily Tucker [mailto:[EMAIL PROTECTED] > Envoyé : Thursday, January 24, 2008 10:10 PM À : Lassâad Ben > Hadj Cc : Wassim Ali-Hassan (Contractor); Mifos functional > discussions Objet : Calculating loan amount based on amount > of previous loan > > Hi Lassaad, > > When we first started talking about Mifos and I conducted a > preliminary gap > analysis-- there was a requirement to calculate loan amount > based on previous loan parameters, specifically the amount of > the last loan. I believe Oxia also identified this gap-- I > see it listed as Gap #15 in their gap analysis. In our > discussions, you also noted that if a client has an open > loan-- the system should allow you to create a new loan in "pending" > status that uses the amount of the open loan to calculate the > new loan amount even if the open loan hasn't been > successfully paid off yet (this is b/c Enda users often > create new loans in the system while the old loan is still > active; once the old loan is paid off, then Enda users > immediately active the new loan). Only when the user tries > to move the loan into "Approved", should the system check > that the previous loan was paid off. I hope this description > is clear! > > We have built some of this functionality into Mifos: > http://mifos.org/developers/wiki/LoanDefaults > > However, the way the feature has been designed-- the amount > of the new loan is calculated based on the loan amount of the > last loan successfully *paid off*. It does not base it's > calculations on loans that are still open. Our rationale was > that a client shouldn't be able to get a larger loan until > they have demonstrated their ability to successfully pay off > their previous loan. > > I'm hoping that we don't need to re-design the feature-- but > I want to make sure this won't be a problem for Enda. Since > this feature wasn't identified for Oxia to work on-- I > assumed that Enda might not be using this feature, but I > wanted to confirm. > > I'm cc-ing the functional list so the community understands > the functionality of this feature. > > Thanks, > Emily. > > > ------------------------------------------------------------------------- This SF.net email is sponsored by: Microsoft Defy all challenges. Microsoft(R) Visual Studio 2008. http://clk.atdmt.com/MRT/go/vse0120000070mrt/direct/01/ _______________________________________________ Mifos-functional mailing list Mifos-functional@lists.sourceforge.net https://lists.sourceforge.net/lists/listinfo/mifos-functional
