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Pay-as-you-go mobile phones have revolutionized access to telecom, the same can be done with solar energy access. Off-grid installations of PVC panels and batteries can be pared with a mobile payment mechanism to allow clients to purchase power "as they use it". This functionality will allow organizations to become involved with 3rd party providers of solar systems.

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

Financial Inclusion providers need a comprehensive view into the overall livelihood of their client both for better risk analysis, credit scoring, as well as social performance management.

Ability to measure social impact and have one single point of information on a client within the platform.

Financial Inclusion providers need a comprehensive view into the overall livelihood of their client both for better risk analysis, credit scoring, as well as social performance management.

We have the back-end in place for a surveys/social performance management framework that allows the import of XMLs for the PPI (progress out of poverty index) SPM scorecard. We need to implement a front-end UI for viewing and recording PPI surveys as well as a UI in which to create new surveys from scratch (similar to Question Groups in an older version of software).

1) Build out the UI for creating survey from available PPI scorecard
2) Capture/record surveys from a given entity in the web app
3) View recorded surveys from the web ap
4) Interface to create new surveys from scratch via the UI

See Resources below for specs/wireframes.

Ability to measure social impact and have one single point of information on a client within the platform.

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.

It has become a critical part of independent and partner-led deployments

This project would continue to extend the data import tool with the following enhancements:

• Integration into the Platform: Current implementation is stand-alone and user has to install separately from Fineract - has to be deployed, user downloads templates, adds data, uses remote call against Fineract REST API
• Templates at Office/Staff Level: Currently all download templates try to fetch data for entire organization which becomes problematic when you have larger oganizations (10 branches/10000customers) - templates should be specific to office or given staff
• Extend functional coverage of data import tool - Data import tool didn't cover all functionalities - want to upload bulk chart of accounts, data tables, etc.o new types of data and APIs that need to be imported, enabling office-level import, and continued integration into the platform.
• Batch APIs - instead of single thread, make use of executing services and start configured thread - if hundred objects are created - JDBC template - batch APIs- some entities.

• Import for other types of data not currently supported
• Integrate into platform
• 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
  
  

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.

2016 Design for Integration of Data Import Tool - https://cwiki.apache.org/confluence/display/FINERACT/

These are the legacy docs on the old question group functionality: https://mifosforge.jira.com/wiki/display/MIFOS/Question+Groups+and+PPI
and http://www.flossmanuals.net/mifos-user-manual/how-to-add-a-question-group/

Wireframes

Bulkdata+Import

GSOC 2013 - Data Import Tool

GSoC 2014 - Data Import/Export feature

Before booking a loan the customer needs to require and assess the details of the loan he is enquiring for and there is no way to personally judge it, based on the parameters, Sales staff right now is using different external loan calculator and loan product schemes are not documentated we need a frontend experience service with personal match

https://docs.google.com/document/d/18rS0gVWkjQvNdRnNj40uKNl32zuTh-uuzNv161n6YrY/edit?usp=sharing

Agent Banking has become a key new delivery channel to increase reach, lower cost, and broaden the depth of services available. We will be taking over the Egalite codebase that's being donated to the Mifos Initiative by BFSI Consulting - it's a fully functional Android-based app for agents that works with any core banking system. This project would involved extending the application so it fully integrates with and works on top of the Mifos X platform

The current codebase is stand-alone and can integrate with any core banking system. This project will involve converting it to work on top of Mifos X by leveraging the Mifos X APIs for all functionalities that exist in Mifos X and adding in APIs for the functionalities that aren't present in Mifos X but in Egalite. The project will consist of the following:

By enabling branchless banking, the costs of serving the poor are dramatically lowered, outreach can be extended to rural offerings, and brand new products and services that are more relevant can be delivered.

• Egalite Functional Overview - See http://bfsiconsulting.com/?page_id=179
• Egalite Architectural Overview
• Egalite User Manuals

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. Enable members of the society on-demand access to their.financial records even with basic mobile handset

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.

In 2016, GSOC intern Daniel Carlson, built out an initial mobile money integration module which supports capturing in real-time the transactions that occur in the mobile money system via the APIs along with a web interface for initiating transactions to occur via mobile money.

This project would work extend upon this module to continue genericizing it to support the mobile money APis of other countries and to complete the integrations for mobile money systems or aggregators in East Africa from countries such as Kenya, Uganda, Tanzania, Rwanda s M-Pesa, TigoCash, MTN Money, AirtelMoney, Beyonic, etc.

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

•   Research & Data on Various Mobile Money Platforms  - http://goo.gl/XkSbdl
• Mobile Money Integration Module - Source Code - https://github.com/openMF/mobile-money-module

Mobile money is rapidly transforming financial inclusion by providing more immediate, impactful, affordable, and secure financial services to the client. Mobile money platforms like Orange Money and MTN Mobile Money 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.

Hence integrating Mobile money and Orange money to Mifos X in Central and West Africa will give the MFI an edge over their competitors and assist the client to carry out secured distance transactions. The end product of this project should allow a client to save from his mobile money account to his MifosX account, request or withdraw money from his Mifos X account to his mobile money account using probably a small mobile application to carry out these transactions. The Client self service API will be used in its fullness to accomplish this Tasks. Other APIs could be developed and used if the present Client self service API are not able to this these.

In 2016, GSOC intern Daniel Carlson, built out an initial mobile money integration module which supports capturing in real-time the transactions that occur in the mobile money system via the APIs along with a web interface for initiating transactions to occur via mobile money.

This project would work extend upon this module to continue genericizing it to support the mobile money APis of other countries and to complete the integrations for mobile money systems or aggregators in West and Central Africa from countries such as Cameroon, Ghana, Nigeria, Gambia, and Sierra Leone.

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

• Research & Data on Various Mobile Money Platforms  - http://goo.gl/XkSbdl
• Mobile Money Integration Module - Source Code - https://github.com/openMF/mobile-money-module

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

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

• 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).

During the 2016 Google Summer of Code, Nikhil Pawar, completed the credit bureau integration module with integrations for the major credit bureaus in India. This project will continue extending the functionality of the module and work on integrations with the major credit bureaus in Latin America and Sub-Saharan Africa.

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.

Detailed requirements https://goo.gl/aZWMZa

Mifos Credit bureau Integration. (Risk calibration Module -RCM)

Source Code: https://github.com/apache/incubator-fineract/pull/215

Data migration can be one of the most challenging and time-consuming phases of an implementation of a core banking system. It's often a barrier to financial institutions moving on to new and better more modern systems. It's critical to cleanly migrate over the historical data of a client and their transactions. Often the legacy system data needs to be cleaned up and transformed before it can be migrated into Mifos X and is one of the most costly and time-consuming phases of a deployment. We have an existing data migration tool for migrating from Mifos 2 to Mifos X that utilizes the Pentaho Kettle ETL tool.

This project would extend the existing Mifos 2 to Mifos X Kettle-based migration tool to provide a standard migration tool from Loan Performer - a low-cost, widely adopted system in use by hundreds of microfinance institutions throughout Africa and Latin America. It would provide one standard tool that any partner or financial institution could use for migrating from that specific system - it wouldn't require new tools to be made each time a migration is done.

Extend the existing Kettle-based Mifos to Mifos X migration tool

• Write ETL scripts to get data and transform data it from Mambu format to Mifos format

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. It widely opens the market that Mifos X is applicable for as it lessens the burden of converting from Loan Performer - a system that is widely used but not as modern and sophisticated as Mifos X.
3. It dramatically lowers the cost of implementing a system like Mifos X by reducing the complexity of the deployment
4. It increases transparency by ensuring financial institutions using Mifos can retain the full history for their clients.

http://nayan.github.io/move-to-mifosx/

https://github.com/openMF/move-to-mifosx

For better usability system needs to have notifications to the logged in user about actions he/she needs to perform in the application.

Build near-real time notification system in the web application to notify the user about action she needs to take. For example, if a branch manager is logged in the application and a new loan is created and is pending for approval by her, then the system should notify her about the pending action.

This involves both invoking and triggering these notifications based on actions or activities in the server as well as the extension of the user interface to support the display of the notifications along with the ability of the user to take action upon the notifications.

Notes on the proposed approach to invoking and triggering these notification can be found at: https://goo.gl/SD0HgC

It outlines:

1. Piggybacking on response header to send notifications
2. Create a new set of database tables for notifications
3. Implementing Queuing system like SpringXD for Notifications

The Mifos X platform is a cloud-based core banking system for delivering financial services to the poor. We provide a web and mobile interface, our AngularJS Web App and Android Field Officer App for the staff of a financial institution to manage their portfolio and service their clients. The security of their client’s financial data is paramount so we would like to add 2FA as another additional layer of security to the platform when staff are logging in via these apps. The most commons means of accessing Mifos X is via the Community App but we have a need for 2FA for the Android client as well.

The generation and sending of the verification code/one-time password will primarily be via SMS and/or email since that is the most user-friendly and most accessible given the equipment available to staff using Mifos X. However, we should aim to support configurability of other authentication methods via an app or virtual authentication device to generate the verification codes.

1. Stabilize the existing SMS integration in Mifos X

2. Generate and store Verification Code/One-Time-Password (OTP) at Mifos

3. Verification of OTP by Mifos X System

4. Sending of OTP via SMS and/or Email

5. Configuration of 2FA by System Administrator

6. Input of the OTP

7. OTP Verification and Expiration

1. Configurability of Length of OTP

1. Default should be six digits

2. Configurability of Validity Period of OTP: How long the OTP will stay valid before it expires must be developed

1. Default of 5 minutes (300 seconds)

3. Configurability of Length of Remember Me Period: We will we allow an option for recognized devices to be remembered (not requiring 2FA if for a defined period of time)

1. Default of 15 days

Spec & Workflow - https://cwiki.apache.org/confluence/pages/viewpage.action?pageId=67641984

Right now Mifos X contains core client management functionalities including tracking basic demographic information, know your customer information, document management, and survey collection through data tables. As financial institutions serving the poor begin to offer a more in-depth and diverse range of financial inclusion products, the need for more robust client management and in-depth client understanding has grows. Their core system needs to provide more and more CRM-type functionality that complement the portfolio management and financial/social reporting the Mifos X provides.

This project will work to deliver the initial set of customer relationship management functionalities including a module for tracking inquiries, complaints

This module will have a request management functionality. A request can be of 2 types: Complaints and Service Requests. Each request must be against a customer and optionally against an account of the customer. Each request will go through a simple workflow.

Actions that can be performed on a request:

Assign -> will change status to "assigned"

Start Work --> will change status to "in progress"

Close --> will change status to "closed" (with a sub-reason code)

At each step user can enter comments.

The customer summary screen will have a link to view the requests of the customer - along with a summary and current status - with option to click-through to get the complete history of each request.

Deepening the client relationship and ensuring fair, responsible, and transparent financial services to the poor is a core piece of the industry's roadmap for financial inclusion. Providing customers the ability to voice their concerns and feedback about the services they're receiving provides a simple yet powerful tool to protect the client. Empowering the financial institution with the ability to track these inquiries and overall maintain a more holistic relationship tracking entire lifecycle of their clients gives them a much better ability to understand their clients and respond to their needs with appropriately designed services and products.

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/