Title: Message Title
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Here is how I see this feature to be implemented:
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When closing a loan as "Close (as Rescheduled)" - then the following journal entry is needed:
"Rescheduled Loans Suspense" (asset) account debited and
"Loan Portfolio" credited with the principal outstanding
Product definition screen will have changes - to capture another additional account for capturing the asset account which will hold rescheduled amounts till they are re-created as another loan
+ accounting changes - to pass the above journal entry
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If accrual accounting is enabled - and any income has been accrued - then it needs to be reversed.
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For loans that are closed as rescheduled - a new button will available called "Create Rescheduled Loan" - When clicking on this button, a new loan page is popped up with amount outstanding automatically populated as the amount to be disbursed - this cannot be changed by user. Other fields will remain the same for a new loan. Internally, Mifos will maintain a link between the old loan and the newly created a loan (I would suggest to create a table called "Linked Loans" - where 2 loans can be joined using a "relationship type" - in this case, the relationship type can be defined as "Loan 1 has been rescheduled as Loan 2")
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the new loan created will follow existing workflow for approval and disbursal
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at time of disbursal of the new loan:
Loan Portfolio will be debited and
Rescheduled Loans Suspense (asset) account will be credited
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Old rescheduled (closed) loan will have a link to navigate to the the Newly created loan account
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The newly created loan account will have a link to the navigate to the Old rescheduled (closed) loan
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