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1. Use Cases - Loan products

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1. User opens Group Loan account details page
2. User clicks on 'Apply payment' 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

• Payment is applied to every member loan account and also payment is applied on Group loan account.
• It is possible to apply payment by transfering funds from Savings Account

3.2 User can apply payment (with amount greater than installment amount) to entire Group Loan account

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• First the whole installment amount is repaid on individual member accounts and also on Group loan account. After that overpayment amount is applied to the next installment on individual member accounts and also overpayment amount is applied on Group loan account.
• Amount of interest for next installment is recalculated according to the decreased principal amount.
• It is possible to apply payment by transfering funds from Savings Account

3.3 User can apply payment (with amount partial installment amount) to entire Group Loan account

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• Partial amount is applied to the current installment on Group Loan account and also on individual member accounts.
• Amount of interest is recalculated since installment has not been fully repaid.
• It is possible to apply payment by transfering funds from Savings Account

3.4 User can apply payment (with amount equal to installment amount) to individual member account

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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 'Amount Paid' column.
• It is possible to apply payment by transfering funds from Savings Account

3.5 User can apply payment (with amount greater than installment amount) to individual member account

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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 '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.

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• It is possible to apply payment by transfering funds from Savings Account

3.6 User can apply payment (with partial installment amount) to individual member account

Actors

• User with permission: "Can make payment to the 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 'Amount Paid' column.
• Amount of interest on Group Loan schedule is recalculated since installment has not been not fully repaid.

4. Use Cases - Adjustments

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• It is possible to apply payment by transfering funds from Savings Account

3.7 User can apply

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full repayment to entire Group Loan account

Actors

• User with permission: "Can make adjustment entry payment to the account"

Preconditions

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

Basic Flow

1. User opens Group Loan account details page
2. User clicks on 'Apply adjustmentRepay Loan' button next to the transaction
3. User has possibility to automatically modify/revert transaction made to of every individual member 
4. User
5. User enters total repayment amount
6. User clicks 'Submit' button

Post-condition

• Transaction is adjusted on all Group Loan account is closed with 'Closed - obigation met' status and also every individual member loan accounts and also is automatically adjusted on Group Loan account.
• Transaction applied only on individual member account cannot be adjusted from Group Loan account

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• account is closed with 'Closed - obigation met' status.
• It is possible to apply full repayment by transfering funds from Savings Account

3.8 User can apply full repayment to individual member account

Actors

• User with permission: "Can make adjustment entry payment to the account"

Preconditions

• New 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 individual member loan account details page
2. User clicks on 'Apply adjustmentRepay Loan' button next to the transaction
3. User has possibility to adjust/modify transactionspecify payment amount
4. User clicks 'Submit' button

Post-condition

• Transaction is adjusted on Full Repayment is applied to individual member loan account .
• Group Loan account is updated accordingly to adjusted transaction on individual member account.

5. Use Cases - Charges (fees/penalties)

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• and information about this 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 'Amount Paid' column.
• It is possible to apply full repayment by transfering funds from Savings Account

4. Use Cases - Adjustments

4.1 User can apply

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adjustment to entire Group Loan account

Actors

• User with permission: "Can apply charges to loansmake adjustment entry to the account"

Preconditions

• Group Loan account was previously created
• Payment was previously applied to entire Group Loan account

Basic Flow

1. User opens Group Loan account details page
2. User clicks on 'Apply chargesadjustment' button
3. User can select either fee or penalty
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 automatically modify/revert transaction made to of every individual member 
7. User clicks 'Submit' button

Post-condition

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

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4.2 User can apply

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adjustment to individual member loan account

Actors

• User with permission: "Can apply charges to loansmake 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

Basic Flow

1. User opens individual member loan account details page
2. User clicks on 'Apply chargesadjustment' button
3. User can select either fee or penalty
4. User charge amount for individual member
5. User next to the transaction
6. User has possibility to adjust/modify transaction
7. User clicks 'Submit' button

Post-condition

• Charge Transaction is applied to individual member accounts and information about applied charges is automatically updated on Group Loan account.
• Charge applied from individual member account level can be only modified from individual member level and cannot be modified from Group Loan account level
• It is possible to add all kindes of fees/penalties (periodic fees, automatic penalties, one time fees etc.)

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

5. Use Cases - Charges (fees/penalties)

5.1 User can apply charges (fees/penalties) to entire Group Loan account

Actors

• User with permission: "Can make payment to the accountapply charges to loans"

Preconditions

• Group Loan account was previously created
• Charge was previously applied to Group Loan account

Basic Flow

Basic Flow

1. User opens Group Loan account details page
2. User clicks on 'Apply paymentcharges' button
3. Amount User can select either fee or penalty
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 payment charge amount for every member
6. User clicks 'Submit' button

Post-condition

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

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

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• 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

Actors

• User with permission: "Can make payment to the accountapply charges to loans"

Preconditions

• Group Loan account was previously createdCharge was previously applied to individual member loan account

Basic Flow

1. User opens individual member loan account details page
2. User clicks on 'Apply paymentcharges' button
3. User can select either fee or penalty
4. User enters payment for the chargecharge amount for individual member
5. User clicks 'Submit' button

Post-condition

• Payment for charge Charge is applied to individual member account accounts and information about applied payment for charge charges is automatically updated on Group Loan account.

6. Use Cases - closing Group loan account

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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

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Actors

• User with level
• It is possible to add all kindes of fees/penalties (periodic fees, automatic penalties, one time fees etc.)

5.3 User can apply payment for the charge to entire Group Loan account

Actors

• User with permission: "Can change state to Closed- Written off" or "Can change state to Closed-rescheduledmake payment to the account"

Preconditions

• Group Loan account has already been createdwas previously created
• Charge was previously applied to Group Loan account

Basic Flow

1. User opens Group Loan account details page
2. User clicks on 'Edit Account StatusApply payment' button
3. User selects either "Can change state to Closed- Written off" or "Can change state to Closed-rescheduled" status
4. User clicks on 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

• Payment for charge is applied to individual member accounts and information about applied payments for charges is automatically updated on Group Loan account is closed as well as every individual member loan account.

Validations

• If any of the individual member loan account was previously closed then the rest of the accounts related to this Group loan account, are closed.

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• (sum of individual payments).

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

Actors

• User with permission: "Can change state to Closed- Written off" or "Can change state to Closed-rescheduledmake payment to the account"

Preconditions

• Group Loan account has already been created

Basic Flow

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• 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 'Edit Account StatusApply payment' button
3. User selects either "Can change state to Closed- Written off" or "Can change state to Closed-rescheduled" statusenters payment for the charge
4. User clicks on 'Submit' button

Post-condition

• Individual member loan accountt is closed Payment for charge is applied to individual member account and information about this applied payment for charge is automatically updated on Group Loan account.

6. Use Cases - Close Group loan account

6.1 User can close entire Group Loan account

Actors

• User with permission: "Can change state to Closed- Written off" or "Can change state to Closed-rescheduled"

Preconditions

• Group Loan account has already been created

Basic Flow

1. User opens Group Loan account details page
2. User clicks 'Edit Account Status' button
3. User selects either "Can change state to Closed- Written off" or "Can change state to Closed-rescheduled" status
4. User clicks on 'Submit' button

Post-condition

• Group Loan account is closed as well as every individual member loan account.

Validations

• If any of the individual member loan account was previously closed then the rest of the accounts related to this Group loan account, are closed.

6.2 User can close individual member Loan account

Actors

• User with permission: "Can change state to Closed- Written off" or "Can change state to Closed-rescheduled"

Preconditions

• Group Loan account has already been created

Basic Flow

1. User opens individual member loan account details page.
2. User clicks 'Edit Account Status' button
3. User selects either "Can change state to Closed- Written off" or "Can change state to Closed-rescheduled" status
4. User clicks on 'Submit' button

Post-condition

• Individual member loan accountt is closed and information about this is automatically updated on Group Loan account

7. Use Cases - Apply bulk payments to new Group Loan by using Audi Bank Plugin

7.1 User can apply payment by using Audi Bank Plugin

Actors

• User with permission: "Can import transactions"

Preconditions

• New Group Loan account was previously created

Basic Flow

1. User opens 'Admin' page
2. User clicks on 'Import transactions' link
3. User selects 'Audi Bank' type and file with payments to upload
4. User clicks 'Preview' button
   
5. User clicks 'Submit' button to import transactions

Post-condition

• Payments are applied to individual accounts and also to Group Loan account
• Amount is automatically deducted according to the contirbution of every individual Group Loan member and all rounding differences are applied automatically to member with highest contribution.

8. Use Cases - Apply transactions to new Group Loan by using Collection Sheet Data Entry

8.1 User can apply payment by using Audi Bank Plugin

Actors

• User with permission: "Can Enter Collection Sheet Data"

Preconditions

• New Group Loan account was previously created

Basic Flow

1. User clicks on 'Enter Collection Sheet Data' link
2. User selects Center/Group
3. User clicks 'Continue' button
4. User can enter payments/disbursals/charges for entire Group Loan and also for individual member accounts 
5. User clicks 'Submit' button
   

Post-condition

• Payments are applied to individual accounts and also to Group Loan account

9. Use Cases - Redo new Group Loan

9.1 User can redo new Group Loan account by using previously created product 

Actors

• User with permissions: "Can redo Loan disbursals"

Preconditions

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

Basic Flow

1. From 'Admin' tab user clicks 'Redo Loan Disbursal'
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) and disbursal date
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 and user has possibility to enter payment amount for each installment and for every individual member
6. User click 'Submit'.

Post-condition

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

Validations

• Individual accounts are created only for members selected during redo loan, 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.
• Next to every installment there is a button to expand view and enter payment amount for every Group Loan member.

Functional Requirements

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