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Use Cases -

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Creating Loan product for new GLIM Loan

1.1 User can create

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Loan products for new GLIM Loan

Actors

• User with permissions to create Group Loan accountspermission 'Can define new loan product instance'

Preconditions

• Loan product for Group was previously creatednew GLIM Loan has the same options as for old GLIM Loan

Basic Flow

1. From Open 'Group details' page, user clicks 'New loan application'
2. User selects previously created product
3. Admin' tab
4. Click on 'Define New Loan Product'
5. Select type of product: "Group loan"
6. Page with loan parameters and schedule is displayed
7. User can select members of group loan from the list (list contains only clients who are members of this group)
8. User can enter amount of every member. Total group loan amount is a sum of amounts from every member
9. User click 'Submit'.Enter all necessary product details
10. Click on 'Save' button

Post-condition

• Group loan account is created along with individual accounts for every selected member of Group. 

Validations

• Individual accounts are created only for members selected during loan creation, not for all members of the Group.

Alternative flow

• Loan product was not previously created.
• At 2. there is a validation message that no products are available.

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• Product can be selected during new GLIM Loan account creation

Validations

• Standard validation for every field during the product creation

2. Use Cases - creating new GLIM Loan account 

2.1 User can create new GLIM Loan account by using previously created product 

Actors

• User with permissions to create and display Group Loan accounts

Preconditions

• Group Loan account : "Can create new loan account in Save for later state" and/or "Can create new loan account in Submit for approval state"

Preconditions

• New GLIM configuration option is enabled
• Loan product for new GLIM Loan was previously created

Basic Flow

1. From 'Group details' page, user clicks link with 'Loan name in ' Loan Accounts Overview' section
2. Group loan details page is displayed with four information tabs: "Details", "Schedule", "Transactions" and "Additional Data" and also with transactions tabs: "Undo disbursal", "Modify", "Loan repayment", "Waive interest", "Write-off", "Close (as rescheduled)" and "Close".
3. "Details" is a default tab after opening Group loan details page.
4. User has possibility to view schedules of every member of group account from Group loan details page.

Post-condition

• Group loan details page has the same options as Client loan details page and also possibility to view schedules of every group loan member.

1.3 User can display individual member loan account details

Actors

• User with permissions to create and display Group Loan accounts

Preconditions

• Group Loan account was previously created

Basic Flow

1. There is a new section on Client details page: "Group Loan Accounts Overview".
2. User can display individual member loan account details by clicking on Group loan account name.
3. Individual member loan account details page is displayed with four information tabs: "Details", "Schedule", "Transactions" and "Additional Data" and also with transactions tabs: "Loan repayment", "Waive interest", "Write-off", "Close (as rescheduled)" and "Close".
4. "Details" is a default tab after opening Individual member loan account details details page.

Post-condition

• Individual member loan account details page has almost the same options as Client loan details page but "Undo disbursal" and "Modify" tabs are not available.

1.4 User can modify parameters of Group Loan account

Actors

• User with permissions to create and display Group Loan accounts

Preconditions

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1. (new GLIM Loan flow is loaded by default)
2. User selects previously created product
3. Page with loan parameters is displayed and also user can select members of group loan from the list (list contains only clients who are members of this group)
4. User can enter amount of every member. Total group loan amount is a sum of amounts from every member
5. Loan schedule is displayed
6. User click 'Submit'.

Post-condition

• New GLIM loan account is created along with individual accounts for every selected member of Group. 

Validations

• Individual accounts are created only for members selected during loan creation, not for all members of the Group.
• If Loan product was not previously created, at 2. there is a validation message that no products are available.

Alternative flow

• At.1 click on 'Create Group Loan Account' link in 'Home' tab or 'Clients & Accounts' tab (new GLIM Loan flow is loaded by default)
• Select any Group with at least 2 clients (only Groups can be selected)
• Continue steps from at.2 to at.6

2.2 User can display new GLIM Loan details

Actors

• User with permissions: "Can create new loan account in Save for later state" and/or "Can create new loan account in Submit for approval state"

Preconditions

• New GLIM Loan account was previously created

Basic Flow

1. From 'Group details' page, user clicks link with Loan name in 'Account information' section
2. New GLIM Loan details page is displayed with table which contains details of every member's Loan account
3. User has possibility to view schedules of every member of group Loan account by clicking on 'show' link in 'Individual schedule' column
4. User has access to individual account of every member of group Loan account by clicking on 'show' link in 'Individual account' column

Post-condition

• Group loan details page has the same options as old GLIM account but also has 'Individual account' column in the table with link to view individual account for every group loan member.
• 'Individual account' column is displayed in the table only after Loan has been disbursed.

2.3 User can display individual member loan account details

Actors

• User with permissions: "Can create new loan account in Save for later state" and/or "Can create new loan account in Submit for approval state"

Preconditions

• New GLIM Loan account was previously created

Basic Flow

1. User opens Group Loan account details page
2. User clicks on 'Modify' button
3. User has possibility to modify all loan parameters
4. User clicks 'Save' button to submit changes

Post-condition

• Group Loan account can be modified only from Group details page
• Group Loan account parameters cannot be modified from individual member account

2. Use Cases - payments

2.1 User can apply payment (with amount equal to installment amount) to entire Group Loan account

Actors

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1. There is a new section on Client details page: "Group Loan".
2. User can display individual member loan account details by clicking on Group loan account name.
3. Individual member loan account details page has almost the same functionalities as normal Client account but without possibility to
4. "Details" is a default tab after opening Individual member loan account details details page.

Post-condition

• Individual member loan account details page has almost the same options as Client loan details page but "Undo disbursal" and "Modify" tabs are not available.

2.4 User can modify parameters of Group Loan account

Actors

• User with permissions to create and display Group Loan accounts

Preconditions

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1. User opens Group Loan account details page
2. User clicks on 'Loan repaymentModify' button
3. User enters total payment amount
4. Amount is automatically deducted according to contribution of every member in Group Loan account
5. In the next step, user has possibility to has to edit payment amount for every memberhas possibility to modify all loan parameters
6. User clicks 'SubmitSave' button to submit changes

Post-condition

Payment is applied to every member loan account and also information about payment is updated on Group loan account.

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• Group Loan account can be modified only from Group details page
• Group Loan account parameters cannot be modified from individual member account

3. Use Cases - payments

3.1 User can apply payment (with amount

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equal to installment amount) to entire Group Loan account

Actors

• User with permissions to create and display Group Loan accounts
• User with permissions to apply payments to Group Loan accounts

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1. User opens Group Loan account details page
2. User clicks on 'Loan repayment' button
3. User enters total payment amount
4. Amount is automatically deducted according to contribution of every member in Group Loan account
5. In the next step, user has possibility to has to edit payment amount for every member
6. User clicks 'Submit' button

Post-condition

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Post-condition

Payment is applied to every member loan account and also information about payment is updated on Group loan account.

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3.2 User can apply payment (with amount

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greater than installment amount) to entire Group Loan account

Actors

• User with permissions to create and display Group Loan accounts
• User with permissions to apply payments to Group Loan accounts

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1. User opens Group Loan account details page
2. User clicks on 'Loan repayment' button 
3. Amount is automatically deducted according to contribution of every member in Group Loan account 
4. In the next step, user has possibility to has to edit payment amount for every member
5. User clicks 'Submit' button

Post-condition

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Post-condition

• First the whole installment amount is repaid on individual member accounts and also information about payment is updated on Group loan account.. After that overpayment amount is applied to the current next installment on Group Loan account and also on individual member accounts also information about payment is updated on Group loan account.
• Amount of interest is recalculated since installment has not been fully repaid.

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• for next installment is recalculated according to the decreased principal amount.

3.3 User can apply

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payment (with amount

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partial installment amount) to

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entire Group Loan account

Actors

• User with permissions to create and display Group Loan accounts
• User with permissions to apply payments to Group Loan accountsUser with permissions to apply payments to individual member Loan accounts

Preconditions

• Group Loan account was previously created

Basic Flow

1. User opens individual member Group Loan account details page
2. User clicks on 'Loan repayment' buttonUser has possibility to specify payment amount 
3. Amount is automatically deducted according to contribution of every member in Group Loan account 
4. In the next step, user has possibility to has to edit payment amount for every member
5. User clicks 'Submit' button

Post-condition

• Payment Partial amount is applied to individual member loan account and information about payment is automatically updated the current installment on Group Loan account . Amount of installment to be repaid on Group Loan schedule is decreased with amount equal to this paid and also on individual member accountaccounts. Amount which has already been repaid should be displayed in 'Total Paid' column.

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• Amount of interest is recalculated since installment has not been fully repaid.

3.4 User can apply payment (with amount

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equal to installment amount) to individual member account

Actors

• User with permissions to create and display Group Loan accounts
• User with permissions to apply payments to Group Loan accounts
• User with permissions to apply payments to individual member accounts

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1. User opens individual member account details page
2. User clicks on 'Loan repayment' button
3. User enters overpayment has possibility to specify payment amount
4. User clicks 'Submit' button

Post-condition

• First the whole installment is repaid on Payment is applied to individual member account. After that overpayment amount is applied to the next installment on individual member account.loan account and information about payment is automatically updated on Group Loan account. Amount of installment to be repaid on Group Loan schedule is decreased with amount equal to this paid on individual member account. Amount which has already been repaid should be displayed in 'Total Paid' column.
• Overpayment amount is applied to the next installment on Group Loan account with amount equal to overpayment amount on individual member account.
• Amount of interest for next installment is recalculated according to the decreased principal amount.

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3.5 User can apply payment (with

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amount greater than installment amount) to individual member account

Actors

• User with permissions to create and display Group Loan accounts
• User with permissions to apply payments to Group Loan accounts
• User with permissions to apply payments to individual member accounts

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1. User opens individual member account details page
2. User clicks on 'Loan repayment' button
3. User enters partial payment overpayment amount
4. User clicks 'Submit' button

Post-condition

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Post-condition

• First the whole installment is repaid on individual member account. After that overpayment amount is applied to the current next installment on individual member account.
• Amount of interest is recalculated since installment has not been fully repaid.Amount of installment to be repaid on Group Loan schedule is decreased with amount equal to this paid on individual member account. Amount which has already been repaid should be displayed in 'Total Paid' column.
• Overpayment amount is applied to the next installment on Group Loan account with amount equal to overpayment amount on individual member account.
• Amount of interest on Group Loan schedule is recalculated since installment has not been not fully repaidinterest for next installment is recalculated according to the decreased principal amount.

3.6 Use

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Case -

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User can apply

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payment (with partial installment amount) to individual member account

Actors

• User with permissions to create and display Group Loan accounts
• User with permissions to apply adjustments apply payments to Group Loan accounts
• User with permissions to apply adjustments apply payments to individual member accounts

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• Group Loan account was previously createdPayment was previously applied to entire Group Loan account

Basic Flow

1. User opens Group Loan individual member account details page
2. User goes to 'Transactions' tabUser clicks on 'Adjust' button next to the transactionUser has possibility to automatically modify/revert transaction made to of every individual member Loan repayment' button
3. User enters partial payment amount
4. User clicks 'SaveSubmit' button

Post-condition

• Transaction is adjusted on all individual member loan accounts and also information about adjustment is automatically updated on Group Loan account.
• Transaction applied only on individual member account cannot be adjusted from Group Loan account

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• Partial amount is applied to the current installment on individual member account.
• Amount of interest is recalculated since installment has not been fully repaid.
• Amount of installment to be repaid on Group Loan schedule is decreased with amount equal to this paid on individual member account. Amount which has already been repaid should be displayed in 'Total Paid' column.
• Amount of interest on Group Loan schedule is recalculated since installment has not been not fully repaid.

4. Use Cases - adjustments

4.1 User can apply adjustment to entire Group Loan account

Actors

• User with permissions to create and display Group Loan accounts
• User with permissions to apply adjustments to Group Loan accounts
• User with permissions to apply adjustments apply adjustments to individual member accounts

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• Group Loan account was previously created
• Payment was previously applied to individual member account or to entire Group loan Loan account

Basic Flow

1. User opens individual member loan Group Loan account details page
2. User goes to 'Transactions' tab
3. User clicks on 'Adjust' button next to the transaction
4. User has possibility to adjustautomatically modify/modify transactionrevert transaction made to of every individual member 
5. User clicks 'Save' button

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• Transaction is adjusted on all individual member loan accounts and also information about adjustment is automatically updated on Group Loan account.Group Loan account is updated accordingly to adjusted transaction
• Transaction applied only on individual member account .cannot be adjusted from Group Loan account

4.

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2 User can apply

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adjustment to individual member loan account

Actors

• User with permissions to create and display display Group Loan accounts
• User with permissions to apply adjustments to Group Loan accounts
• User with permissions to apply charges adjustments to Group Loan individual member accounts

Preconditions

• Group Loan account was previously created
• Payment was previously applied to individual member account or to entire Group loan account

Basic Flow

1. User opens Group Loan individual member loan account details page
2. User goes to 'Transactions' tab
3. User clicks on 'ChargeAdjust' button
4. Charge amount is automatically deducted according to contribution of every member in Group Loan account
5. In the next step, user has possibility to has to edit charge amount for every membernext to the transaction
6. User has possibility to adjust/modify transaction
7. User clicks 'Save' button

Post-condition

• Charge Transaction is applied to adjusted on individual member accounts and information about applied charges is automatically updated on Group Loan account (sum of individual charges).
• Charge applied from Group Loan account level can be only modified from Group Loan account level and cannot be modified from individual member account level

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• loan account.
• Group Loan account is updated accordingly to adjusted transaction on individual member account.

5. Use Cases - charges

5.1 User can apply charges to

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entire Group Loan account

Actors

• User with permissions to create and display Group Loan accounts
• User with permissions to apply charges to individual member loan Group Loan accounts

Preconditions

• Group Loan account was previously created

Basic Flow

1. User opens individual member loan Group Loan account details page
2. User clicks on 'Charge' button
3. User Charge amount is automatically deducted according to contribution of every member in Group Loan account
4. In the next step, user has possibility to has to edit charge amount for individual every member
5. User clicks 'Save' button

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• Charge is applied to individual member accounts and information about applied charges is automatically updated on Group Loan account (sum of individual charges).
• Charge applied from individual member Group Loan account level can be only modified from individual member Group Loan account level and cannot be modified from Group Loan individual member account level

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5.

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2 User can

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apply charges to individual member loan account

Actors

• User with permissions to create and display Group Loan accounts
• User with permissions to apply charges to Group Loan individual member loan accounts
• User with permissions to apply payments to Group Loan accounts

Preconditions

• Group Loan account was previously createdCharge was previously applied to Group Loan account

Basic Flow

1. User opens Group Loan individual member loan account details page
2. User clicks on 'Loan repaymentCharge' button
3. Amount is automatically deducted according to contribution of every member in Group Loan account
4. In the next step, user has possibility to has to edit payment amount for every User charge amount for individual member
5. User clicks 'Save' button

Post-condition

• Payment for charge Charge is applied to individual member accounts and information about applied payments for charges is automatically updated on Group Loan account (sum of individual payments).

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• Charge applied from individual member account level can be only modified from individual member level and cannot be modified from Group Loan account level

5.3 User can apply payment for the charge to

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entire Group Loan account

Actors

• User with permissions to create and display Group Loan accounts
• User with permissions to apply charges to individual member loan Group Loan accounts
• User with permissions to apply payments to individual member loan Group Loan accounts

Preconditions

• Group Loan account was previously created
• Charge was previously applied to individual member loan Group Loan account

Basic Flow

1. User opens individual member loan Group Loan account details page
2. User clicks on 'Loan repayment' buttonUser enters payment for the charge
3. Amount is automatically deducted according to contribution of every member in Group Loan account
4. In the next step, user has possibility to has to edit payment amount for every member
5. User clicks 'Save' button

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• Payment for charge is applied to individual member account accounts and information about applied payment payments for charge charges is automatically updated on Group Loan account (sum of individual payments).

5.

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4 User can apply payment for the charge to individual member loan account

Actors

• User with permissions to create Group Loan productsand display Group Loan accounts
• User with permissions to apply charges to individual member loan accounts
• User with permissions to apply payments to individual member loan accounts

Preconditions

• Loan product for Groups has the same options as for individual Clients

Basic Flow

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• Group Loan account was previously created
• Charge was previously applied to individual member loan account

Basic Flow

1. User opens individual member loan account details page
2. User clicks on 'Loan repayment' button
3. User enters payment for the charge
4. User clicks 'Save' button

Post-condition

• Product can be selected during Group Loan account creation

Validations

• Standard validation for every field during the product creationPayment for charge is applied to individual member account and information about applied payment for charge is automatically updated on Group Loan account.

6. Use Cases - closing Group loan account

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