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Marco,
thanks for the clarification of 'loan amount in advance' at loan level. Just to be clear on this. At the 'installment level' this was not the way 'in advance' was interpreted. i.e the figures for 'in advance' show how much of the full installment was paid in advance by the client. It does not at present show that installment x is 300 in advance, but maybe a month later that installment would be 'behind / in arrears' - Is this what you also meant by 'in advance' at installment level?
It would be worthwhile for enrique/fiorella/yourself to run through the current implementation of loans to see what meets expectations and what doesnt and we can address anything that is a issue.