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[~sanderheyden], [~ashokconflux], [~vishwasbabu]
Heres what I think about holidays, I hate them and i am pretty sure Ashok hates them too :)
On a more serious note, I am not convinced about supporting this idea of enforcing a 'loan repayment schedule's installment due dates to fall on days that are not holidays and not non-working days. I feel that this is a requirement that was driven by GK and their understanding of the area from their knowledge in mifos. It really complicates things and this simple decision results in us doing silly things like putting constraints around someone deleting/editing a holiday or if allowing one to modify holidays; having to comtemplate/support actually the need to regenerate/modify all existing loan schedules in the system (through over night job) that it affects. The idea of storing original schedule and current schedule is further unneeded complication.
I am going to ask people like Steve Thomson and others with domain expierence in credit unions and banks to come in on this also. I would also like to hear what Musoni think on the area. If I get a loan today from a credit union or bank in ireland, as far as I am aware, they do not attempt to 'modify' the expected loan schedule so it doesnt land on a national/regional holiday - its just a regular loan with installments paid back in regular intervals.
In GKs case though, their repayments and disbursements happen at phyical group meetings led by their staff members (field officers, branch managers etc) - So clearly on national/regional holidays, business cant happen on this days. So holidays really only affect the availability of staff and the group meetings.
The things GK care about are:
1. I want to know/find out when a field officer is due to visit a center/group
2. I want to be able to provide a 'collection sheet' to a field officer so they and I know how much cash will be collected/disbursed at the center/group meeting
3. and probably, I dont want loans to show as been behind simply cause the field officer could visit this week due to holiday season
In old mifos the solution was to force the 'loan repayment schedule' to match with the center/group meeting schedule - and where these happened to fall on a holiday, further complication arose with rules around adusting the date to next day, date of next occurrence etc
To answer 1 & 2 now you just have to query the loan / loan repayment schedule tables to know when next meeting falls and what should be collected/disbursed at it. The trade off is now you have a loan with 'irregular' repayment schedules.. , constraints around holidays and batch jobs that operate over the biggest table in the system, extra complexity in code around loans and god know what more knock on effects
So long story short, do we need to support this ability to enforce a 'loan repayment schedule's installment due dates to fall on days that are not holidays and not non-working days? Even for GK I think the answer is no, there are other ways of making sure that center/group meetings are correctly known and other ways of working out what is due for collection/disbursement at a given center meeting.
I am hoping we can get some real input from domain people in this area before we go off and put in a whole lot of further complexity and hopefully strip out what is there around holidays/loans which is complicating things in this area as is.
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