The person loan an amount of 10,000. The service fee is 5%. The service charge must be subtracted to the loan amount. So the amount that the person can get must be the net amount which is (10,000 - 500 = 9,500).
In mifos, the charges are added (10,000 + 500 = 10,500).
I couldn't replicate this issue. In 15.0.3, the total due and outstanding amount is same.
However, even now the charges are added in the total principal amount.
Are you still expecting that the charges should deducted upfront from the disbursed loan amount ( provided the charges are to collected during disbursal).