Hi Aliya/Arpita,
Happy to see your feedback on the features we have developed, and sorry for the
delayed response in commenting on your mails, I was on vacation those last few
days.
>I think you are correct that the state should be changed, however in
>looking at the spec, this is not something that was specifically
>detailed - it seems to be something that was missed in the
>specifications.
>My suggestion would be that we change the status back to Active in bad
>standing, and then update the account summary, repayment schedule,
>installment details, and performance history appropriate, as outlined in
>the spec for loans that are still in the 'active' state.
>Nesrine/Nazir/Emily - do any of you have feedback about this?
Exactly this flow was missed in the functional specifications. However I think
that the best way to handle it, when reverting the last payment made (account
status= closed-obligation met), is to change automatically the loan account
status to the status prior to closed-obligation met, which could be either
active in good standing or active in bad standing.
>You're right, this is not a very useful error message. I think you
should open a bug for this as well. The error text for this feature was
not addressed in the specification, so we will have to create some error
text that is appropriate. You can assign it to me and I will add in
some appropriate error text and then assign this issue to the Oxia team
to be fixed. I think the error message will say something like: "This
payment cannot be adjusted because there has already been a prior
adjustment to this payment" (though I will try to come up with something
a bit less strange sounding ;)
I think that there is no need for any error message. In fact if a payment was
already reverted, it wouldn't appear in the list of payments and the user
wouldn't be able to revert it again. I think there is confusion with Nazir on
this issue. Let me please check it again and I will come back to you with more
details
Best regards
_____________________________________________________________________
Mss Nesrine MADHKOUR
Finance Solutions Consultant
OXIA
OXIA is ISO 9001 V2000 certified company - AFAQ QUAL/2005/25140
11, Rue Claude Bernard
1002 Tunis Belvédère
Tunisia
Tel.: +216 71 28 27 00
Fax: +216 71 28 27 05
[EMAIL PROTECTED]
Skype : NesrineMadhkour
www.oxiasoft.com
-----Message d'origine-----
De : Aliya Walji [mailto:[EMAIL PROTECTED]
Envoyé : jeudi 31 janvier 2008 01:55
À : Mifos functional discussions
Cc : [EMAIL PROTECTED]; Nazir LAJDEL; Nesrine Madhkour
Objet : RE: [Mifos-functional] Few Doubts
Hi Arpita,
> I had few queries relating to the feature "Adjusting multiple loan
> repayments".
Great! Since this is a feature that is being built by Oxia for an MFI,
ENDA, I have copied their mailing list so that the appropriate people on
their side (either their PM, Nesrine or their developer, Nazir) can
provide additional feedback for you.
> 1. The system allows the user to "revert payments" already made by
> customers. The feature allows users to revert payments of "active
(both
> good and bad standing)" and "closed-met obligation" loans. However, on
> reverting payments of "Closed-Met Obligation" loan accounts, the
status
> of
> the loan account is not changed from closed to active automatically.
I'm
> unable to understand whether this is by design or if this is a bug.
> Please note that until the Closed status is changed to Active, the
option
> to make payment does not re-appear on the page. So if a payment is
> reverted
> in a closed account, it cannot be paid back once again by the
customer.
> Please note that when a payment of "Active in Good Standing Loan" is
> reverted then the status automatically changes to "Active in Bad
> Standing".
> Thus I was expecting the same kind of behaivour with "Closed-Met
> Obligation
> Loans".
This is an excellent question and really great to see that you've dived
in and uncovered details that are more on the subtle side of the
workings of the feature! Great job.
Being able to apply an adjustment to a loan which is already in the
'closed - obligation met' status is a new piece of functionality for
v1.1. Prior, in v1.0, we did not allow adjustments to loans that were
already in 'closed' state.
I think you are correct that the state should be changed, however in
looking at the spec, this is not something that was specifically
detailed - it seems to be something that was missed in the
specifications.
My suggestion would be that we change the status back to Active in bad
standing, and then update the account summary, repayment schedule,
installment details, and performance history appropriate, as outlined in
the spec for loans that are still in the 'active' state.
Nesrine/Nazir/Emily - do any of you have feedback about this?
While we wait on feedback, Arpita, can you please open a defect for this
in the issue tracker? That will help us to track resolution of this
issue and not forget about it.
> 2. Secondly, the system allows a payment to be reverted only when the
> "payment in question" has not already been reverted. However, the
error
> message which pops up on trying to revert an already reverted payment
does
> not convey the right message. The following message appears:
>
> The amount cannot be adjusted either because the status is not
yet
> active or because a payment was received at the time of
disbursement.
You're right, this is not a very useful error message. I think you
should open a bug for this as well. The error text for this feature was
not addressed in the specification, so we will have to create some error
text that is appropriate. You can assign it to me and I will add in
some appropriate error text and then assign this issue to the Oxia team
to be fixed. I think the error message will say something like: "This
payment cannot be adjusted because there has already been a prior
adjustment to this payment" (though I will try to come up with something
a bit less strange sounding ;)
Thanks for your questions, Arpita. I'm sure the ENDA and Oxia team will
be happy to see feedback coming in on their features :)
Aliya
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