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http://mifosforge.jira.com/browse/MIFOS-1995?page=com.atlassian.jira.plugin.system.issuetabpanels:all-tabpanel
]
Łukasz Babski closed MIFOS-1995.
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> Handling additional scenarios for loan defaults based on previous loans
> -----------------------------------------------------------------------
>
> Key: MIFOS-1995
> URL: http://mifosforge.jira.com/browse/MIFOS-1995
> Project: mifos
> Issue Type: Bug
> Components: Loan Account
> Affects Versions: Release 1.0
> Environment: Platform: All, OS: All
> Reporter: emilytucker
> Assignee: mifosdeveloperqueue
> Priority: Major
> Labels: Enda
> Fix For: Unscheduled
>
>
> This is related to issue #1610. There were 3 scenarios that haven't yet been
> implemented. They should be prioritized by Enda who requested this feature:
> I) Create a loan
> - disburse loan
> - create another loan (will be under next loan cycle)
> - cancel loan 1
>
> What should be the state of loan 2? Should it be cancelled because its cycle
> is no longer valid?
> ANSWER: You can't cancel a loan that's been disbursed-- you can only pay if
> off
> (which keeps the loan cycle incremented) or move it to rescheduled or written
> off (which decrements the loan cycle). If you move it to rescheduled or
> written off, then the user should be prevented from moving loan 2 to approved
> (if in partial application status) or prevented from disbursing the loan (if
> in
> approved status). The following error message should be displayed:
> You cannot disburse the loan because the loan cycle is no longer valid.
> Please
> cancel the loan and create a new loan.
> ~or~
> You cannot move the loan into approved status because the loan cycle is no
> longer valid. Please cancel the loan and create a new loan.
> II) Currently, the UI allows you to create future loans only from the next
> immediate loan cycle. Is that desired behaviour, or should the user be able to
> select from subsequent cycles also?
> ANSWER: Yes, this is the desired behavior. There is no need for the user to
> be
> able to select from subsequent cycles.
> III) Create 2 loans in pending approval (both will be in loan cycle 0)
> - Disburse loan 1 and repay loan 1 (loan cycle gets incremented to 1)
> - Disburse loan 2 and repay loan 2 (loan cycle gets incremented to 2)
> Now, if another loan is created, this will be taken as loan cycle 3, though
> the
> user has never taken a loan of cycle 1 and 2. Is this expected behaviour?
> ANSWER: Yes this is expected behavior. The user has repaid 2 loans so they
> should be on loan cycle 2.
> And your last question....
> Do I block disbursal if the customer has unpaid
> loans for any of the loan products he has borrowed, or only for this
> particular
> product?
> ANSWER: Only if the customer has unpaid loans for that particular product.
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