Thanks Lassaad-- this matches our requirements as well. We'll see if we can build the functionality to work this way.
Cheers, Emily. > -----Original Message----- > From: Lassâad Ben Hadj [mailto:[EMAIL PROTECTED] > Sent: Tuesday, January 29, 2008 10:19 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, > I think the system must check if the previous loan was paid > off at time of approval, since the loan approval must be > based on reliable informations. > Cheers > Lassaad > > -----Message d'origine----- > De : Emily Tucker [mailto:[EMAIL PROTECTED] > Envoyé : Tuesday, January 29, 2008 1:58 AM À : Lassâad Ben > Hadj Cc : Wassim Ali-Hassan (Contractor); Mifos functional > discussions Objet : RE: Calculating loan amount based on > amount of previous loan > > 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
