This has a dependency on the Self-Service backend API's being available 

Allows a member/client in having a self-service channel allowing them more direct control and visibility into their financial livelihood.

In most of the cases MFI wants to capture additional data during certain workflows (example: during client closing, wants to conduct exit survey, capture PPI during loan creation) and this requirement can fulfilled by adding option to attach datatable/survey/question group to the pre-defined workflows as certain points (example: during loan creation, during approval time or during disbursement etc).

Enhance data tables to emulate real-life workflows:

• Classification of data tables - as Data capture, UI-read-only, Surveys etc.

• Long internationalized labels for fields

• Sequencing of data tables

• Pre-conditions for a data table - so that the a data can be captured/screen is made visible only if certain conditions are met

• Conditional data tables - For example: some data to be captured for Individual Clients whereas other data to be captured for small businesses

• Data table to be captured along with main entity itself within the same transaction - for example: Address fields for client

• Self-service vs. Staff data tables
  (This list to be reviewed with Markus and Ed to ensure that there is no duplication of effort with other projects like SPM tool)

Helps organization to streamline their data capture process in the MIS and as well as in the field. And this leads toward more measurability of the MFI's impact in the field and more transparency.

Mobile money is rapidly transforming financial inclusion by providing more immediate, impactful, affordable, and secure financial services to the client. Mobile money platforms like M-Pesa offer the client unparalleled value in terms of convenience, security and the possibility of new services and products that are more in line with real-world financial habits.  For financial institutions and their clients to fully scale mobile money and leverage its potential, it needs to be fully integrated with their core-banking system.

Based on the extent of the APIs available through the various mobile money platforms, the level and seamlessness of integration can vary from real-time to end-of-day file-based integration.  This project would work to provide several file, message, and or API-based reference integrations with leading mobile money platforms, including

• M-Pesa
  • File-based integration
• TigoCash
• OrangeMoney
• AirtelMoney

Great efficiency, reduced risk for clients, more impactful and relevant products & services.

•   Research & Data on Various Mobile Money Platforms  - http://goo.gl/XkSbdl

This has a dependency on the Self-Service backend API's being available 

Allows a member/client in having a self-service channel allowing them more direct control and visibility into their financial livelihood.

In most of the cases MFI wants to capture additional data during certain workflows (example: during client closing, wants to conduct exit survey, capture PPI during loan creation) and this requirement can fulfilled by adding option to attach datatable/survey/question group to the pre-defined workflows as certain points (example: during loan creation, during approval time or during disbursement etc).

Enhance data tables to emulate real-life workflows:

• Classification of data tables - as Data capture, UI-read-only, Surveys etc.

• Long internationalized labels for fields

• Sequencing of data tables

• Pre-conditions for a data table - so that the a data can be captured/screen is made visible only if certain conditions are met

• Conditional data tables - For example: some data to be captured for Individual Clients whereas other data to be captured for small businesses

• Data table to be captured along with main entity itself within the same transaction - for example: Address fields for client

• Self-service vs. Staff data tables
  (This list to be reviewed with Markus and Ed to ensure that there is no duplication of effort with other projects like SPM tool)

Helps organization to streamline their data capture process in the MIS and as well as in the field. And this leads toward more measurability of the MFI's impact in the field and more transparency.

Mobile money is rapidly transforming financial inclusion by providing more immediate, impactful, affordable, and secure financial services to the client. Mobile money platforms like M-Pesa offer the client unparalleled value in terms of convenience, security and the possibility of new services and products that are more in line with real-world financial habits.  For financial institutions and their clients to fully scale mobile money and leverage its potential, it needs to be fully integrated with their core-banking system.

Based on the extent of the APIs available through the various mobile money platforms, the level and seamlessness of integration can vary from real-time to end-of-day file-based integration.  This project would work to provide several file, message, and or API-based reference integrations with leading mobile money platforms, including

• M-Pesa
  • File-based integration
• TigoCash
• OrangeMoney
• AirtelMoney

Great efficiency, reduced risk for clients, more impactful and relevant products & services.

•   Research & Data on Various Mobile Money Platforms  - http://goo.gl/XkSbdl

In outbound SMS notification MFI decides when and what information need to be sent to client, but as part of client protection, client has complete rights to request for information about her/his account details(any time any where). Using inbound SMS client can query for her account details such loan amount, status of new loan application, outstanding loan amount.

Transparency and client protection.

See SMS Integration and Outbound SMS

• Hooks
• Showcase of sending event-based SMS

Microfinance institutions usually work with various external parties, such as funders or investors. Using the data that is available in MifosX we would like to offer those stakeholders a seperate portal showing accurate and high-level information about the institution that would otherwise be reported manually by the institution. This information helps them in their decision making processes, but also enables them to assess the broader impact they are having with their funding.

To develop a portal that aggregates information from different Mifos X deployments and report on predefined social and operational metrics

Objectives:

• Implement back-end logic in MifosX required to make information available to the client impact portal
• Implement UI and back-end logic of the Client impact portal

Because of regulatory reasons or to do background check of a client (risk management), MFIs depend on credit bureaus. As part of it, MFI must submit client details to credit bureau and also need to pull client information from credit bureau before approving any new loans to a client.Mifos X can be integrated with a popular CBs in India and from other regions (based on the demand).

This will be an optional module inside Mifos X, and this module can be turned on/off based on the institutes requirements. And will be flexible to configure with different CBs (may not be practical to integrate with all CBs).

The major functionality will be sending the data to CBs on regular intervals in the format CB expects. And option to pull the client’s information from CB whenever loan officer/branch manager/ user wants to view the information for a particular client.

2014 GSOC Client Impact Portal Project

• Client Impact Portal User Guide
• GSoC 2014 - Client Impact Portal
• Source Code: https://github.com/openMF/mifosx/pull/1047

Vision for Generic SPM Framework for Mifos X (PPI)

Background on Client Impact Portal

• Data Analytics & Client Insight - Are we making an impact? (Client Impact Portal demo)
• Client Impact Portal POC - (mifos/password are login credentials)

PPI)

Background on Client Impact Portal

• Data Analytics & Client Insight - Are we making an impact? (Client Impact Portal demo)
• Client Impact Portal POC - (mifos/password are login credentials)

Because of regulatory reasons or to do background check of a client (risk management), MFIs depend on credit bureaus. As part of it, MFI must submit client details to credit bureau and also need to pull client information from credit bureau before approving any new loans to a client.Mifos X can be integrated with a popular CBs in India and from other regions (based on the demand).

This will be an optional module inside Mifos X, and this module can be turned on/off based on the institutes requirements. And will be flexible to configure with different CBs (may not be practical to integrate with all CBs).

The major functionality will be sending the data to CBs on regular intervals in the format CB expects. And option to pull the client’s information from CB whenever loan officer/branch manager/ user wants to view the information for a particular client.

The credit report shows account information such as repayment record, defaults, type of loan, amount of loan, etc. of the customer. This information facilitates prudent decision-making when the credit underwriter processes the loan application. This help MFI to reduce the risk of bad loans and reduces the multiple lendings to same person from different MFIs.

1. Build a module that extends loan product definition to include specific physical product ordering - e.g. a clean energy loan associated with a specific solar product. Create a daily batch process to send data in JSON or XML to appropriate third party system (e.g. MEC Tracker). Extend this to include "down payments" on the product purchase - i.e. only partially financed.
2. Build a supplier ordering/invoice & financial reconciliation process and transfer funds directly to "Supplier Account" upon fulfillment of order.
3. Create reports on aging of orders, fulfillment timing, and geographic spread.

The credit report shows account information such as repayment record, defaults, type of loan, amount of loan, etc. of the customer. This information facilitates prudent decision-making when the credit underwriter processes the loan application. This help MFI to reduce the risk of bad loans and reduces the multiple lendings to same person from different MFIs.

1. Build a module that extends loan product definition to include specific physical product ordering - e.g. a clean energy loan associated with a specific solar product. Create a daily batch process to send data in JSON or XML to appropriate third party system (e.g. MEC Tracker). Extend this to include "down payments" on the product purchase - i.e. only partially financed.
2. Build a supplier ordering/invoice & financial reconciliation process and transfer funds directly to "Supplier Account" upon fulfillment of order.
3. Create reports on aging of orders, fulfillment timing, and geographic spread.

MFIs become more capable of integrating with third party systems for management of deliveries, after-sales service, and carbon tracking.

This project is a continuation of the initial PayGoSol foundation that was led by 2014 GSOC intern, Antonio Carella.

1. Create a pre-paid account mechanism as an account type or account option in Mifos (perhaps extending existing classes), zero fees.
2. Create a new API for consuming pre-paid account balances.  
3. Create a simple external model that mimics consumption by a household on a daily basis - imagined as a set of data received from solar panel (watts used, time of day, volts present).  
4. Load up pre-paid account by account transfer in P2P interface (my phone to your account) or via trusted agent - i.e. trusted agent receives cash and loads account on Mifos.

Work in 2015 will include adding the following features to make it an out-of-the-box solution that any PAYG hardware provider could use:

Providers of pay-as-you-go solar can use MIFOS for their operations. MFIs become more capable of integrating with third party systems for management of deliveries, after-sales service, and carbon tracking.

This project is a continuation of the initial PayGoSol foundation that was led by 2014 GSOC intern, Antonio Carella.

1. Create a pre-paid account mechanism as an account type or account option in Mifos (perhaps extending existing classes), zero fees.
2. Create a new API for consuming pre-paid account balances.  
3. Create a simple external model that mimics consumption by a household on a daily basis - imagined as a set of data received from solar panel (watts used, time of day, volts present).  
4. Load up pre-paid account by account transfer in P2P interface (my phone to your account) or via trusted agent - i.e. trusted agent receives cash and loads account on Mifos.

Work in 2015 will include adding the following features to make it an out-of-the-box solution that any PAYG hardware provider could use:

Providers of pay-as-you-go solar can use MIFOS for their operations. MFIs can become such providers.

Mifos Android Client on MifosX

• CGAP Research on PAYG Business Models: http://www.cgap.org/publications/access-energy-digital-finance-models-innovation

can become such providers.

Mifos Android Client on MifosX

• CGAP Research on PAYG Business Models: http://www.cgap.org/publications/access-energy-digital-finance-models-innovation

Data migration can be one of the most challenging and time-consuming phases of an implementation of a core banking system. In 2013, GSOC intern, Avik Ganguly, built our data import tool for generating pre-configured Excel templates to migrate data into Mifos X. In 2014, Diunuge, extended this to other types of information in Mifos X along with integrating it from a stand-alone web app to a core part of the platform. The data import tool is now the foundation for all of our data migration tools.

This project would continue to extend the data import tool to new types of data and APIs that need to be imported, enabling office-level import, and continued integration into the platform. This project will also involve building on top of the data import tool to provide out of the box migrations from other legacy systems such as MicroBanker or Loan Performer.

• Import for other types of data not currently supported
• Populate date using bulk APIs
• Enable office-level imports for larger organizations who find it too cumbersome to migrate an entire organizations worth of data at once
• Build out scripts on top of the data import tool to get data and transform it out of legacy systems like MicroBanker or Loan Performer.

It has many impacts

1. This drastically reduces the time to set up of initial configuration/data of Mifos X for organization adopting this system as MIS.
2. For data entry operator, this feature can be used as bulk creation option (such as import bulk loans, import clients)
3. These templates can be used as offline store. And once user has internet connectivity can upload these templates with captured data.

GSOC 2013 - Data Import Tool

GSoC 2014 - Data Import/Export feature

Integrate MifosX with an opensource Point of Sale (POS) called JPOS.

Use case would be to get a debit transaction (cash withdraw from checking account) thru the POS device /local runtime with 2FA.  In India, the ability to get cash out through a point of sale network is provided for under RBI regulations. In production there will likely need to be an intermediate "Merchant Acquisition" or "Payment Processor" in between a single POS and MifosX Instance, but this could be abstracted out as a payment gateway only (primarily data mapping). The implementation target is the ability to do a 2 factor authentication on a POS device running JPOS (emulator ok), input account number (via some simple method), then be able to do a (cash-out) account withdrawal in real time to the MifosX account. Additional use cases would be to implement a transaction for payment for goods. i.e. enter specific goods, then do payment from MifosX account to Merchant Account (probably also in Mifos).

Familiarity with API work. Understanding of transactional flows.

Java.

Two-factor authentication - see other project idea .

https://github.com/jpos/jPOS/