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http://mifosforge.jira.com/browse/MIFOS-3305?page=com.atlassian.jira.plugin.system.issuetabpanels:all-tabpanel
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Jakub Sławiński resolved MIFOS-3305.
------------------------------------
Resolution: Fixed
Fix Version/s: 2.3.0-M2
Resolved in multiple commits.
Automated test will be added within MIFOSTEST-633
> handling overpayments of remaining loan balance
> -----------------------------------------------
>
> Key: MIFOS-3305
> URL: http://mifosforge.jira.com/browse/MIFOS-3305
> Project: mifos
> Issue Type: New Feature
> Components: Loan Account
> Affects Versions: Release H
> Reporter: Sam Birney
> Assignee: Jakub Sławiński
> Priority: Major
> Labels: almajmoua
> Fix For: Release H, 2.3.0-M2
>
>
> Mifos is currently designed to reject any payment greater than remaining
> balance of the loan (an overpayment). This can happen for various reasons:
> * As we have MFIs who do not collect repayments directly, but rather through
> banks or post offices, it becomes a common scenario for clients to overpay
> the remainder of their loan, since these other locations do not know how much
> is left on the loan.
> * Another case where it commonly occurs is after migrating accounts from
> another MIS when there are small rounding differences between the two
> schedules, so that closing an account in the old system may result in an
> overpayment in the Mifos schedule, which no clear way to track that.
> * I suspect with the addition of mobile money, this scenario will be common
> for those customers as well.
> Sometimes it is only a few dollars over, sometimes an entire extra
> installment is mistakenly paid. Ideally the MIS will track this so that
> action can be taken to return the overpayment portion to clients in future.
> New specification:
> Overpayments:
> 1. Overpayment situation only happens when repaying the last payment of a loan
> 2. System detects an Overpayment during bulk payment upload,
> 3. The system closes the loan account and makes an entry in the new database
> table with
> details such as loan account number, overpayment amount, date and time,
> status of the
> overpayment and payment id(to be able to track the overpayment is linked to
> which
> payment)
> 4. On the loan page, the system will display the amount of the overpayment.
> Adjacent to
> this, there will be a button labeled 'Clear' that will be made available for
> a user to
> manually clear the amount in case the last repayment was adjusted for some
> reason. The
> click of this button will allow user to specify how much amount they would
> want to clear
> off.
> 5. Each loan can have more than one overpayment
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