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Priority | User Stories | Section in FR |
|---|---|---|
1 | As a user, I want to be able to create Group loan account, so that every member of group loan will have his own individual account | 2.1 |
| 2 | As a user, I want to be able to create product for Groups | 1.1 |
| 3 | As a user, I want to be able to have access to individual member accounts from Client details page | 2.3 |
| 4 | As a user, I want to be able to make transactions to entire new Group Loan | 3.1 |
| 5 | As a user, I want to be able to specify exact payment amount for every member while applying payment to group account | 3.1 |
| 6 | As a user, I want to be able to make transactions to particular individual member loan account | |
| 7 | As a user, I want to be able to repay Loan transfer from Savings account | |
| 8 | As a user, I want to be able to repay Loan by using Audi Bank plugin | |
| 9 | As a user, I want to be able to apply fees/penalties to the whole new Group Loan and have possibility to modify fees/penalties amount for every member of the Loan | |
| 10 | As a user, I want to be able to apply fees/penalties to individual member Loan account | |
| 11 | As a user, I want to be able to apply adjustment to the whole new Group Loan and have possibility to modify adjustment amount for every member of the Loan | |
| 12 | As a user, I want to be able to apply adjustment to individual member Loan account | |
| 13 | As a user, I want to be able to apply full repayment to whole new Group Loan and have possibility to modify full repayment amount for every member of the Loan | |
| 14 | As a user, I want to be able to apply full repayment to individual member Loan account | |
| 15 | As a user, I want to be able to repay Loan/fees/penalties by using Collection Sheet Entry | |
| 16 | As a user, I want to be able to modify loan parameters only on group loan account | 2.4 |
| 17 | As a user, I want to be able to approve new Group Loan by using 'Approve multiple loans' functionality | |
| 18 | As a user, I want to be able to redo new Group Loan | |
| 19 | As a user, I want to be able to reverse new Group Loan | |
| 20 | As a user, I want to be able to attach a Question Group to new Group Loan | |
| 21 | As a user, I want to be able to close loan of individual member and see updated information on group loan account |
1. Use Cases -
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Loan
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products
1.1 User can create Loan products for new Group Loan
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- Standard validation for every field during the product creation
2. Use Cases -
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New Group Loan account
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creation
2.1 User can create new Group Loan account by using previously created product
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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 -
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Payments
3.1 User can apply payment (with amount equal to installment amount) to entire Group Loan account
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3.4 User can apply payment (with amount 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 accountspermission: "Can make payment to the account"
Preconditions
- New Group Loan account was previously created
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- User opens individual member account details page
- User clicks on 'Loan repaymentApply payment' button
- User has possibility to specify payment amount
- User clicks 'Submit' button
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- Payment is applied to individual member 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 Amount Paid' column.
3.5 User can apply payment (with 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
- permission: "Can make payment to the account"
Preconditions
- Group Loan account was previously created
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- User opens individual member account details page
- User clicks on 'Loan repaymentApply payment' button
- User enters overpayment amount
- User clicks 'Submit' button
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- First the whole installment is repaid on individual member account. After that overpayment amount is applied to the next installment on individual member 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 Amount 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.
3.6 Use Case - User can apply 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 payments to Group Loan accounts
- User with permissions to apply payments to individual member accounts
Preconditions
- Group Loan account was previously created
Basic Flow
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- permission: "Can make payment to the account"
Preconditions
- Group Loan account was previously created
Basic Flow
- User opens individual member account details page
- User clicks on 'Loan repaymentApply payment' button
- User enters partial payment amount
- User clicks 'Submit' button
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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 Amount Paid' column.
- Amount of interest on Group Loan schedule is recalculated since installment has not been not fully repaid.
4. Use Cases -
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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 to individual member accounts
- permission: "Can make adjustment entry to the account"
Preconditions
- Group Loan account was previously created
- Payment was previously applied to entire Group Loan account
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- User opens Group Loan account details page
- User goes to 'Transactions' tabUser clicks clicks on 'AdjustApply adjustment' button next to the transaction
- User has possibility to automatically modify/revert transaction made to of every individual member member
- User clicks 'SaveSubmit' button
Post-condition
- Transaction is adjusted on all individual member loan accounts and also information about adjustment is automatically updated adjusted on Group Loan account.
- Transaction applied only on individual member account cannot be adjusted from Group Loan account
4.2 User can apply adjustment to individual member 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 to individual member accounts
- permission: "Can make adjustment entry to the account"
Preconditions
- Group Loan account was previously created
- Payment was previously applied to individual member account or to entire Group loan account
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- User opens individual member loan account details page
- User goes to 'Transactions' tabUser clicks on 'AdjustApply adjustment' button next to the transaction
- User has possibility to adjust/modify transaction
- User clicks 'SaveSubmit' button
Post-condition
- Transaction is adjusted on individual member loan account.
- Group Loan account is updated accordingly to adjusted transaction on individual member account.
5. Use Cases -
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Charges (fees/penalties)
5.1 User can apply charges (fees/penalties) to entire Group Loan account
Actors
- User with permissions to create and display Group Loan accountsUser with permissions to permission: "Can apply charges to Group Loan accountsloans"
Preconditions
- Group Loan account was previously created
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- User opens Group Loan account details page
- User clicks on 'ChargeApply charges' button
- User can select either fee or penalty
- Charge amount is automatically deducted according to contribution of every member in Group Loan account
- In the next step, user has possibility to has to edit charge amount for every member
- User clicks 'SaveSubmit' button
Post-condition
- Charge (fee/penalty) 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 Group Loan account level can be only modified from Group Loan account level and cannot be modified from individual member account level
- It is possible to add all kindes of fees/penalties (periodic fees, automatic penalties, one time fees etc.)
5.2 User can apply charges to individual member loan account
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