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Hi John,
The issuing of been able to associate a 'client' with two different loan officers is different. Nuru and Enda at the very least require this need. In nuru's case its down to having two different 'programs' and a client can be involved in both. Endas case is explained at https://mifosforge.jira.com/browse/MIFOS-5409
The use-case for supporting functionality that allows clients to be members of more than one group at the same time comes from:
1. Client member of group, they get loan, pay it off in full, obligations met, client becomes member of a 'different' group (for whatever reason) and takes out another loan etc
2. MFIs may fully allow a client to be a member of more than one group at the same time and to take out active loans - it would depend on their operations but take nuru for example, a mfi with different programs, if groups was main unit, then client would have to form a group with others for services and if using more than one service, may need to be in another group at the same time.
It seems overly constraining to say a client can only be a member of one group within the software (although some MFIs will want that constraint)
so to answer your question its:
Clients can have many loans
A loan can be managed by a 'loan officer'
==> clients can be associated with multiple loan officers through the loans they have at any one time.
A group is made up of several clients.
But a client can join multiple groups (over time or at the same time)
Groups can have many loans (repeat/sequential loans)
A loan can be managed by a 'loan officer'
==> groups can be associated with multiple loan officers through the loans they have at any one time.