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last edited 1 year ago by awalji
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Redoing loan disbursals and payments

Last Updated: vinodhn - 14 Feb 2007

As discussed in Reversing Loan Disbursals, due to data entry error, a loan account may have been opened for a wrong client/group or an account of the incorrect product instance. The first step to rectify the mistake is to reverse the disbursal and repayments, if any. The second step is to open the loan account of the correct product instance for the correct client/group and record the payments made, if any.

Update: UI screens are now accessible here

To view the screens, download and extract the zip folder, click on admin.htm, and if your browser gives you a warning select "Accept blocked content". Click on the Redo Loan Disbursal link under Manage Accounts and follow the user flow below.

Feature Summary

This feature should allow the user to choose one of the loan accounts for which a wrong product/user has been assinged. The user can then open an account for the correct customer and of the correct product instance.

FEATURE DESCRIPTION

Primary Flow - Redo Loan Disbursal

  1. User: clicks on "Redo Loan Disbursal" link on the Admin page.
  2. System: makes the following validation:
  • User has permission to perform this action.
  1. User is taken to the Redo Loan Account Search page where he can select a client/group whose account is to be redone.
  2. System makes the following validations:
  • Results outside the user's data scope should not be shown to the user.
  1. User enters the Client/Group name and clicks on "Search".
  2. On clicking Search, the user is taken to the Redo Loan Account Search Results which displays the relevant search results.
  3. The user clicks on the required Client/Group name and is taken to the Redo Loan Account page.
  4. In the Redo Loan Account page the user can select the Loan Instance name and click on "Continue".
  5. User is then taken to the Redo Loan Account 1 page where the loan account information needs to be entered.
  • Note: The system should allow the user to enter a disbursal date in the past.
  1. After enetering all the required fields, the user clicks on "Continue".
  2. User is then taken to the Redo Loan Account Installments page where he can review the installments.
  • Two fields Actual Payment Date and Actual Amount paid are user editable.
  1. After making relevant changes, the user clicks on "Preview".
  2. User is then taken to the Redo Loan Account Preview page the entire loan account is presented as a snapshot. If the user wants to make any changes he can click on "Edit loan account information" which redirects him to the Redo Loan Account 1 page.
  3. If the user is fine with the loan account information he can click on "Submit" which takes him to a confirmation page.

Alternate Flows

  1. User searches for an client/group account which does not exist or which is not a valid loan account id - An error should be thrown.
  2. If the user does not enter information for a mandatory field in any page, an appropriate error must be thrown.

Additional Information

  • A red warning text will be displayed while the user is redoing the loan account.
  • An additional permission should be added to the permission list in loan transaction section.
  • Loan accounts which have been redone should be flagged with a tag mentioning that it has been redone. This information could also be mentioned on the loan details page.
  • Status History page should display the date that the loan is moved into "Active in Good Standing". This is the same date the the loan is "redone" -- since the redo pipeline saves the loan immediately in this state. See Functional Spec section 16.2.2.
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