Re: [Mifos-users] Status of Client Fees & Charges in Mifos X - MIFOSX-583

[Sander van der Heyden]

mit from Digamber has so often noted the strong need. 

On Fri, Mar 28, 2014 at 11:22 PM, srinivasa Rao Yedida <sre.mi...@gmail.com> wrote:

Hi I completely agree with Binny, before process of  the loan any stage member may chance to reject. Member Fee should required adding at client level in my case. and even this fee is one time and life time. for that purpose why we to open the other addition account and linkage to client. and again It is different from one to another organization.



Thank Srinviasarao YedidaOn Sat, Mar 29, 2014 at 10:46 AM, Binny Gopinath Sreevas <binny.gopin...@gmail.com> wrote:



I will wait for Zayyad and actual users to respond. In my mind this is a functional limitation we are imposing based on our design. -  In a large MFI (with say 500k customers or so), we will be forced to create 500k current accounts just to collect a client level fees, which I feel is unnecessary -  In future, I can see a client onboarding workflow being implemented in Mifos. This could involve steps like:o   Client applicationo   Client Training on Group methodology and liabilitieso   Group testo   Credit Verification etc.So, the client may get rejected at any of these steps and never become an active client. And if the MFI wants to charge a client level upfront processing fees – how will we do this? -  Home loans typically have a processing charge, which is applicable even if the loan application is rejected. In a normal bank, the home loan client need not have any other bank account to apply for a home loan. Thanks 



Binny  From: Ed Cable [mailto:edca...@mifos.org] 



Sent: 29 March 2014 04:39To: A good place to start for users or folks new to Mifos.Cc: Zayyad Said; Vishwas Babu; Binny GopinathSubject: Re: [Mifos-users] Status of Client Fees & Charges in Mifos X - MIFOSX-583



 Vishwas, I totally agree and now read over the approach that you and Keith discussed. Makes complete sense from an accounting perspective that fees should be associated with an actual account.  As Keith alluded to, let's make sure in the UI we start to explicitly call the current account by its name rather than just it being another savings account. 



 In the old Mifos UI, the client fees/charges were summarized at the top level of the client record - Perhaps we could do the same by including a summary of the current account fees at the top level client record page?



 Zayyad - will this approach around handling client fees at the current account level work for your customer? Read the comments on the issue linked to below.



 Ed On Fri, Mar 28, 2014 at 11:27 AM, Vishwas Babu <vishwasbab...@gmail.com> wrote:Ed , Zayyad,The last couple of releases added support for associating a default savings (current) account for a Client during client creation workflow.So you can associate a current account with the appropriate accounting rules to a customer and then apply any fees you want to the current account (works exactly like client fees)Regards,VishwasOn Mar 28, 2014 11:10 AM, "Ed Cable" <edca...@mifos.org> wrote:



Hey guys,



 Support for adding client-level fees came up this morning as a blocker for one of Zayyad's customers.  Can you let the community know what the timeline is for adding this support?



 Is it still targeted for one of the near-term upcoming releases? 



https://mifosforge.jira.com/browse/MIFOSX-583 



Thanks, Ed 



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 Collectively Creating a World of 3 Billion Maries | http://openmf.org  



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Re: [Mifos-users] Status of Client Fees & Charges in Mifos X - MIFOSX-583

[Ed Cable]

What is the level of effort involved with extending accounting with support
at the client-level such that true client fees could be added. I do agree
that we shouldn't impose a major functional limitation based on our design
especially if creates major pain points for users as noted with the need to
maintain actual accounts for an inactive client just to bill them fees.

I do see how not having ability to directly add a fee to the client would
be perceived as a major functional gap and having to set up a current
account as being a cumbersome work around that doesn't match overall
business process.

I also see it being quite important to move towards supporting the tracking
of the full client lifecycle starting from prospects/pre-clients, as Amit
from Digamber has so often noted the strong need.




On Fri, Mar 28, 2014 at 11:22 PM, srinivasa Rao Yedida
wrote:

> Hi
>
> I completely agree with Binny, before process of  the loan any stage
> member may chance to reject. Member Fee should required adding at client
> level in my case. and even this fee is one time and life time. for that
> purpose why we to open the other addition account and linkage to client.
> and again It is different from one to another organization.
>
> Thank
> Srinviasarao Yedida
>
>
>
> On Sat, Mar 29, 2014 at 10:46 AM, Binny Gopinath Sreevas <
> binny.gopin...@gmail.com> wrote:
>
>> I will wait for Zayyad and actual users to respond.
>>
>>
>>
>> In my mind this is a functional limitation we are imposing based on our
>> design.
>>
>>
>>
>> -  In a large MFI (with say 500k customers or so), we will be
>> forced to create 500k current accounts just to collect a client level fees,
>> which I feel is unnecessary
>>
>>
>>
>> -  In future, I can see a client onboarding workflow being
>> implemented in Mifos. This could involve steps like:
>>
>> o   Client application
>>
>> o   Client Training on Group methodology and liabilities
>>
>> o   Group test
>>
>> o   Credit Verification etc.
>>
>> So, the client may get rejected at any of these steps and never become an
>> active client. And if the MFI wants to charge a client level upfront
>> processing fees - how will we do this?
>>
>> -  Home loans typically have a processing charge, which is
>> applicable even if the loan application is rejected. In a normal bank, the
>> home loan client need not have any other bank account to apply for a home
>> loan.
>>
>>
>>
>> Thanks
>> Binny
>>
>>
>>
>>
>>
>> *From:* Ed Cable [mailto:edca...@mifos.org]
>> *Sent:* 29 March 2014 04:39
>> *To:* A good place to start for users or folks new to Mifos.
>> *Cc:* Zayyad Said; Vishwas Babu; Binny Gopinath
>> *Subject:* Re: [Mifos-users] Status of Client Fees & Charges in Mifos X
>> - MIFOSX-583
>>
>>
>>
>> Vishwas,
>>
>>
>>
>> I totally agree and now read over the approach that you and Keith
>> discussed. Makes complete sense from an accounting perspective that fees
>> should be associated with an actual account.  As Keith alluded to, let's
>> make sure in the UI we start to explicitly call the current account by its
>> name rather than just it being another savings account.
>>
>>
>>
>> In the old Mifos UI, the client fees/charges were summarized at the top
>> level of the client record - Perhaps we could do the same by including a
>> summary of the current account fees at the top level client record page?
>>
>>
>>
>> Zayyad - will this approach around handling client fees at the current
>> account level work for your customer? Read the comments on the issue linked
>> to below.
>>
>>
>>
>> Ed
>>
>>
>>
>> On Fri, Mar 28, 2014 at 11:27 AM, Vishwas Babu 
>> wrote:
>>
>> Ed , Zayyad,
>>
>> The last couple of releases added support for associating a default
>> savings (current) account for a Client during client creation workflow.
>>
>> So you can associate a current account with the appropriate accounting
>> rules to a customer and then apply any fees you want to the current account
>> (works exactly like client fees)
>>
>> Regards,
>> Vishwas
>>
>> On Mar 28, 2014 11:10 AM, "Ed Cable"  wrote:
>>
>> Hey guys,
>>
>>
>>
>> Support for adding client-level fees came up this morning as a blocker
>> for one of Zayyad's customers.  Can you let the community know what the
>> timeline is for adding th

Re: [Mifos-users] Status of Client Fees & Charges in Mifos X - MIFOSX-583

[srinivasa Rao Yedida]

Hi

I completely agree with Binny, before process of  the loan any stage member
may chance to reject. Member Fee should required adding at client level in
my case. and even this fee is one time and life time. for that purpose why
we to open the other addition account and linkage to client. and again It
is different from one to another organization.

Thank
Srinviasarao Yedida



On Sat, Mar 29, 2014 at 10:46 AM, Binny Gopinath Sreevas <
binny.gopin...@gmail.com> wrote:

> I will wait for Zayyad and actual users to respond.
>
>
>
> In my mind this is a functional limitation we are imposing based on our
> design.
>
>
>
> -  In a large MFI (with say 500k customers or so), we will be
> forced to create 500k current accounts just to collect a client level fees,
> which I feel is unnecessary
>
>
>
> -  In future, I can see a client onboarding workflow being
> implemented in Mifos. This could involve steps like:
>
> o   Client application
>
> o   Client Training on Group methodology and liabilities
>
> o   Group test
>
> o   Credit Verification etc.
>
> So, the client may get rejected at any of these steps and never become an
> active client. And if the MFI wants to charge a client level upfront
> processing fees - how will we do this?
>
> -  Home loans typically have a processing charge, which is
> applicable even if the loan application is rejected. In a normal bank, the
> home loan client need not have any other bank account to apply for a home
> loan.
>
>
>
> Thanks
> Binny
>
>
>
>
>
> *From:* Ed Cable [mailto:edca...@mifos.org]
> *Sent:* 29 March 2014 04:39
> *To:* A good place to start for users or folks new to Mifos.
> *Cc:* Zayyad Said; Vishwas Babu; Binny Gopinath
> *Subject:* Re: [Mifos-users] Status of Client Fees & Charges in Mifos X -
> MIFOSX-583
>
>
>
> Vishwas,
>
>
>
> I totally agree and now read over the approach that you and Keith
> discussed. Makes complete sense from an accounting perspective that fees
> should be associated with an actual account.  As Keith alluded to, let's
> make sure in the UI we start to explicitly call the current account by its
> name rather than just it being another savings account.
>
>
>
> In the old Mifos UI, the client fees/charges were summarized at the top
> level of the client record - Perhaps we could do the same by including a
> summary of the current account fees at the top level client record page?
>
>
>
> Zayyad - will this approach around handling client fees at the current
> account level work for your customer? Read the comments on the issue linked
> to below.
>
>
>
> Ed
>
>
>
> On Fri, Mar 28, 2014 at 11:27 AM, Vishwas Babu 
> wrote:
>
> Ed , Zayyad,
>
> The last couple of releases added support for associating a default
> savings (current) account for a Client during client creation workflow.
>
> So you can associate a current account with the appropriate accounting
> rules to a customer and then apply any fees you want to the current account
> (works exactly like client fees)
>
> Regards,
> Vishwas
>
> On Mar 28, 2014 11:10 AM, "Ed Cable"  wrote:
>
> Hey guys,
>
>
>
> Support for adding client-level fees came up this morning as a blocker for
> one of Zayyad's customers.  Can you let the community know what the
> timeline is for adding this support?
>
>
>
> Is it still targeted for one of the near-term upcoming releases?
>
>
>
> https://mifosforge.jira.com/browse/MIFOSX-583
>
>
>
> Thanks,
>
>
>
> Ed
>
>
>
>
> --
>
> ___
> Mifos-users mailing list
> Mifos-users@lists.sourceforge.net
> https://lists.sourceforge.net/lists/listinfo/mifos-users
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>
>
> --
>
> ___
> Mifos-users mailing list
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> https://lists.sourceforge.net/lists/listinfo/mifos-users
>
>
>
>
>
> --
>
> *Ed Cable*
>
> Mifos Community Manager
>
> Director of Community Programs, Mifos Initiative
>
> edca...@mifos.org | Skype: edcable | Mobile: 484.477.8649
>
>
>
> *Collectively Creating a World of 3 Billion Maries | 
> *http://openmf.org<http://mifos.org>
>   <http://facebook.com/mifos>  <http://www.twitter.com/mifos>
>
>
>
> *Note:* As of Jan 1, 2014 my email has changed from 
> edcable@*openmf*.org
>  to edcable@*mifos*.org . Please update your address
> book accordingly.
>
>
>
>
>
>
> --
>
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>
>
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Re: [Mifos-users] Status of Client Fees & Charges in Mifos X - MIFOSX-583

[Binny Gopinath Sreevas]

I will wait for Zayyad and actual users to respond.

 

In my mind this is a functional limitation we are imposing based on our
design.

 

-  In a large MFI (with say 500k customers or so), we will be forced
to create 500k current accounts just to collect a client level fees, which I
feel is unnecessary

 

-  In future, I can see a client onboarding workflow being
implemented in Mifos. This could involve steps like:

o   Client application

o   Client Training on Group methodology and liabilities

o   Group test

o   Credit Verification etc.

So, the client may get rejected at any of these steps and never become an
active client. And if the MFI wants to charge a client level upfront
processing fees - how will we do this?

-  Home loans typically have a processing charge, which is
applicable even if the loan application is rejected. In a normal bank, the
home loan client need not have any other bank account to apply for a home
loan.

 

Thanks 
Binny

 

 

From: Ed Cable [mailto:edca...@mifos.org] 
Sent: 29 March 2014 04:39
To: A good place to start for users or folks new to Mifos.
Cc: Zayyad Said; Vishwas Babu; Binny Gopinath
Subject: Re: [Mifos-users] Status of Client Fees & Charges in Mifos X -
MIFOSX-583

 

Vishwas,

 

I totally agree and now read over the approach that you and Keith discussed.
Makes complete sense from an accounting perspective that fees should be
associated with an actual account.  As Keith alluded to, let's make sure in
the UI we start to explicitly call the current account by its name rather
than just it being another savings account. 

 

In the old Mifos UI, the client fees/charges were summarized at the top
level of the client record - Perhaps we could do the same by including a
summary of the current account fees at the top level client record page?

 

Zayyad - will this approach around handling client fees at the current
account level work for your customer? Read the comments on the issue linked
to below.

 

Ed

 

On Fri, Mar 28, 2014 at 11:27 AM, Vishwas Babu 
wrote:

Ed , Zayyad,

The last couple of releases added support for associating a default savings
(current) account for a Client during client creation workflow.

So you can associate a current account with the appropriate accounting rules
to a customer and then apply any fees you want to the current account (works
exactly like client fees)

Regards,
Vishwas

On Mar 28, 2014 11:10 AM, "Ed Cable"  wrote:

Hey guys,

 

Support for adding client-level fees came up this morning as a blocker for
one of Zayyad's customers.  Can you let the community know what the timeline
is for adding this support?

 

Is it still targeted for one of the near-term upcoming releases?

 

https://mifosforge.jira.com/browse/MIFOSX-583

 

Thanks,

 

Ed

 


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-- 

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Mifos Community Manager

Director of Community Programs, Mifos Initiative

edca...@mifos.org | Skype: edcable | Mobile: 484.477.8649

 

Collectively Creating a World of 3 Billion Maries | http://openmf.org
<http://mifos.org>   <http://facebook.com/mifos>
<http://www.twitter.com/mifos> 

 

Note: As of Jan 1, 2014 my email has changed from
<mailto:edca...@openmf.org> edca...@openmf.org to
<mailto:edca...@mifos.org> edca...@mifos.org. Please update your address
book accordingly.

 

 

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Re: [Mifos-users] Status of Client Fees & Charges in Mifos X - MIFOSX-583

[Ed Cable]

Vishwas,

I totally agree and now read over the approach that you and Keith
discussed. Makes complete sense from an accounting perspective that fees
should be associated with an actual account.  As Keith alluded to, let's
make sure in the UI we start to explicitly call the current account by its
name rather than just it being another savings account.

In the old Mifos UI, the client fees/charges were summarized at the top
level of the client record - Perhaps we could do the same by including a
summary of the current account fees at the top level client record page?

Zayyad - will this approach around handling client fees at the current
account level work for your customer? Read the comments on the issue linked
to below.

Ed


On Fri, Mar 28, 2014 at 11:27 AM, Vishwas Babu wrote:

> Ed , Zayyad,
>
> The last couple of releases added support for associating a default
> savings (current) account for a Client during client creation workflow.
>
> So you can associate a current account with the appropriate accounting
> rules to a customer and then apply any fees you want to the current account
> (works exactly like client fees)
>
> Regards,
> Vishwas
> On Mar 28, 2014 11:10 AM, "Ed Cable"  wrote:
>
>>  Hey guys,
>>
>> Support for adding client-level fees came up this morning as a blocker
>> for one of Zayyad's customers.  Can you let the community know what the
>> timeline is for adding this support?
>>
>> Is it still targeted for one of the near-term upcoming releases?
>>
>> https://mifosforge.jira.com/browse/MIFOSX-583
>>
>> Thanks,
>>
>> Ed
>>
>>
>> --
>>
>> ___
>> Mifos-users mailing list
>> Mifos-users@lists.sourceforge.net
>> https://lists.sourceforge.net/lists/listinfo/mifos-users
>>
>>
>
> --
>
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>
>


-- 
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Mifos Community Manager
Director of Community Programs, Mifos Initiative
edca...@mifos.org | Skype: edcable | Mobile: 484.477.8649

*Collectively Creating a World of 3 Billion Maries |
*http://openmf.org
    

*Note:* As of Jan 1, 2014 my email has changed from
edcable@*openmf*.org
 to edcable@*mifos*.org . Please update your address
book accordingly.
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Re: [Mifos-users] Status of Client Fees & Charges in Mifos X - MIFOSX-583

[Vishwas Babu]

Ed , Zayyad,

The last couple of releases added support for associating a default savings
(current) account for a Client during client creation workflow.

So you can associate a current account with the appropriate accounting
rules to a customer and then apply any fees you want to the current account
(works exactly like client fees)

Regards,
Vishwas
On Mar 28, 2014 11:10 AM, "Ed Cable"  wrote:

> Hey guys,
>
> Support for adding client-level fees came up this morning as a blocker for
> one of Zayyad's customers.  Can you let the community know what the
> timeline is for adding this support?
>
> Is it still targeted for one of the near-term upcoming releases?
>
> https://mifosforge.jira.com/browse/MIFOSX-583
>
> Thanks,
>
> Ed
>
>
> --
>
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> Mifos-users mailing list
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