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Change By:
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keithwoodlock
(10/Jun/13 5:32 AM)
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Description:
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At present, the platform allows for loans to be overpaid.
When loans are over paid the following happens:
- loan transaction that results in overpayment goes through successfully, loan repayment installment paid off
- No summary information on database tracks by how much the loan was overpaid
Questions:
1. By how much should people be allowed over pay a loan (as much as they want!)
2. What happens to the overpaid amount? does is just stay there, is it returned to the client? transfered to savings?
3. Is there a need to put configuration on this to turn off ability to overpay loans (some MFIs might not want it) whilst other MFIs who get their payments through third parties may need it as they have no control over it.
Scope for this issue:
1. Not constraints on by how much someone can overpay loan by
2. Work on transferring any overpaid funds back to client or into different account is not part of this issue
3. The configuration option to enable/disable ability to overpay a loan can be done as part of another issue if people ask for it.
4. The existing functionality is fine along with extra cability to track the overpaid amount on a field on loan table.
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