Binny,
At the platform level we are going to support maximum flexibility so we
havent built in contraints like the disbursement one mentioned above
exactly for the reasons you outlined - its not clear to me if GK really
want this also (but they might). Allowing the client app built on top of
the platform to bake in contraints is a very much the strategy an
application developer would take - we at platform level cant be all things
to all people - workflow and buisiness process rules that are not industry
norms would be put in at the app level so users of the app dont have to
worry about these things.
So we wont be putting in any hard coded business rules like disbursement
date must match meeting date unless its clearly an industry norm (which its
not) and I would fight against putting in configuration everywhere to
support these types of scenarios as well. If GK or another MFI care enough
about this rule (its central to their process) they can tweak the UI to
support it.
regards,
Keith.
On Fri, May 3, 2013 at 12:08 PM, Binny Gopinath <binny.gopin...@gmail.com>wrote:
> Ashok, Keith,
>
> I would suggest to keep this configurable at the product level. When
> defining the loan product, we have a flag that states whether the loan
> disbursement should coincide with the meeting date or not. Also, if we
> implement the validation in the UI, then there is the risk of different
> front-ends (web, mobile etc.) dealing with this differently. So shouldn't
> this check be done on the API side?
>
> If we tie the disbursement date to meeting date, I see couple of
> disadvantages:
>
> a) Actual disbursement happens on a non-meeting date -
> Examples:
> Disbursement is done at the branch and not at the center meetings
> Or
> There is a loan product where a vendor supplies goods (like solar lamp
> or water purifier) to the MFI customer and the once installation of the
> lamp or purifier is completed, the vendor submits bills to MFI and MFI does
> disbursement. Customer repays the cost of lamp or purifier to MFI with
> interest. Here disbursement will rarely be on a meeting date.
>
> b) Will it be possible to disburse 2 loans products of 2 different
> disbursement/repayment frequencies to a customer who belongs to a group?
> For ex. customer has a JLG loan which is disbursed and re-paid at meetings
> and there is an Emergency loan which is disbursed and repaid outside of the
> group meetings.
>
> I would like to hear from other MFI users, if you think there are any
> disadvantages in tying disbursement to meeting dates.
>
> Thanks
> Binny
>
>
>
> On Fri, May 3, 2013 at 3:50 PM, Ashok <as...@confluxtechnologies.com>wrote:
>
>> Hi Amit,
>>
>> Right now I don't have much details about the workbook or workflow of
>> group lending process used in GK, we tried to add existing features from
>> Mifos. The Center and Group functionality in MifosX covers very basic, it
>> requires lot of improvements.
>>
>> @Binny, do you have any details of GK's group lending workflow.
>>
>>
>> Regards
>> Ashok
>>
>>
>> On Fri, May 3, 2013 at 10:45 AM, AMIT JAIN <amitjain....@gmail.com>wrote:
>>
>>> Hello Ashok,
>>> Can you sahre a group lending process workbook or workflow with me after
>>> that I am able to understand the process at MIFOS-X.
>>>
>>> Might be there methodology is different from us.
>>>
>>> Let me understand first.
>>> Thanks and Regards
>>>
>>>
>>> On Fri, May 3, 2013 at 10:35 AM, Ashok <as...@confluxtechnologies.com>wrote:
>>>
>>>> Hi Ed,
>>>>
>>>> Whatever Keith has mentioned is correct, thanks Keith.
>>>>
>>>> Most of the restrictions are on UI, based on new requirements and user
>>>> inputs we can add more flexibility to group lending APIs. Soon I will be
>>>> talking to Binny on GK requirements that should cover most of the common
>>>> scenarios.
>>>>
>>>>
>>>> Regards
>>>> Ashok
>>>>
>>>>
>>>>
>>>> On Thu, May 2, 2013 at 10:07 PM, Keith Woodlock <
>>>> keithwoodl...@gmail.com> wrote:
>>>>
>>>>> Ed,
>>>>>
>>>>> As far as i understand this is a 'constraint' put in on the ui side
>>>>> (although it looked like theres a check on it in the backend) for JLG
>>>>> loans. That is you can still choose any disbursement date you like for
>>>>> 'individual loans' and as you say most people from group context will want
>>>>> that flexibility to but its not baked in by an means, the guys are trying
>>>>> to replicate what they see on mifos for GK which is fair enough cause
>>>>> there
>>>>> GK requirements.
>>>>>
>>>>> Keith.
>>>>>
>>>>>
>>>>> On Thu, May 2, 2013 at 5:29 PM, Ed Cable <edca...@gmail.com> wrote:
>>>>>
>>>>>> Ashok,
>>>>>>
>>>>>> Thanks for the demo today of the group lending functionalities in
>>>>>> Mifos X.
>>>>>>
>>>>>> I was concerned about the inability to select a disbursement date
>>>>>> outside of the meeting date. Isn't this a limitation from legacy Mifos
>>>>>> that we were seeking to remove?
>>>>>>
>>>>>> I understand that if a client doesn't belong to a center that they
>>>>>> can have a loan (individual or group) regardless of meeting date but is
>>>>>> it
>>>>>> now such that if a client belongs to a center, the loan (group or
>>>>>> individual) can only be disbursed on the meeting date?
>>>>>>
>>>>>> Does the flexibility to disburse outside of meeting date add too many
>>>>>> complexities at the group level? Is this the same for loans at the
>>>>>> individual level?
>>>>>>
>>>>>> Thanks,
>>>>>>
>>>>>> Ed
>>>>>>
>>>>>
>>>>>
>
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