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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 payments to entire new Group Loan | 3.1, 3.2, 3.3 |
| 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, 3.2, 3.3 |
| 6 | As a user, I want to be able to make transactions to particular individual member loan account | 3.4, 3.5, 3.6 |
| 7 | As a user, I want to be able to repay Loan transfer from Savings account | 3 |
| 8 | As a user, I want to be able to repay Loan by using Audi Bank plugin | 7.1 |
| 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 | 5.1 |
| 10 | As a user, I want to be able to apply fees/penalties to individual member Loan account | 5.2 |
| 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 | 4.1 |
| 12 | As a user, I want to be able to apply adjustment to individual member Loan account | 4.2 |
| 13 | As a user, I want to be able to apply full repayment to whole new Group Loan | 3.7 |
| 14 | As a user, I want to be able to apply full repayment to individual member Loan account | 3.8 |
| 15 | As a user, I want to be able to repay Loan/fees/penalties by using Collection Sheet Entry | 8.1 |
| 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 | 10.1 |
| 18 | As a user, I want to be able to redo new Group Loan | 9.1 |
| 19 | As a user, I want to be able to reverse new Group Loan | 9.2 |
| 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 | 6.1, 6.2 |
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- Payments are applied to individual accounts and also to Group Loan account
9. Use Cases - Redo & Reverse of new Group Loan
9.1 User can redo new Group Loan account by using previously created product
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- From 'Admin' tab user clicks 'Redo Loan Disbursal'
- User selects previously created product
- 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
- User can enter amount of every member. Total group loan amount is a sum of amounts from every member
- Loan schedule is displayed and user has possibility to enter payment amount for each installment and for every individual member
- User click clicks 'Submit'.
Post-condition
- New Group loan account is redone along with individual accounts for every selected member of Group.
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- 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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FR#
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Description
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Comments/Mockups
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1.1 Create a New Group loan account
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9.2 User can reverse new Group Loan account
Actors
- User with permissions: "Can reverse Loan disbursals"
Preconditions
- New Group configuration option is enabled
- Loan product for new Group Loan was previously created
- New Group Loan account was created and disbursed
Basic Flow
- From 'Admin' tab user clicks 'Reverse Loan Disbursal'
- User enters number of account which should be reversed
- User confirms that he wants to reverse loan account
- User clicks 'Submit'.
Post-condition
- New Group loan account is reversed along with individual accounts for every selected member of Group.
10. Use Cases - Approve multiple new Group Loans
10.1 User can approve multiple new Group Loans
Actors
- User with permissions: "Can approve loans in bulk"
Preconditions
- New Group Loan was created but not approved
Basic Flow
- User clicks on 'Approve multiple loans' link
- User selects branch, loan officer and status
- User clicks 'Search'
- New Group Loan is displayed in the results
- User clicks 'Submit' to approve new Group Loan.
Post-condition
- New Group loan account is successfully approved.
Validations
- 'Can change state to Approved' permission should have impact on new Group Loan approval.
11. Use Cases - Question Groups
11.1 User can attach a Question Group to new Group Loan during create flow
Actors
- User with permissions: "Can manage question groups"
Preconditions
- Question Group with questions has been created and assigned to Create Loan flow
Basic Flow
- User starts creating a new Group Loan account
- User enters all necessary parameters
- Page with Question Group is displayed and it is possible to answer to all questions
- User clicks 'Submit' to create a new Group Loan.
Post-condition
- Question Group with answers can be viewed by clicking on 'View Additional Information' link on Group Loan details page
Validations
- Question Group has all answers added during Loan creation and it is possible to edit them if it was defined in Question Group definition.
- Question Group is not displayed for individual member accounts.
11.2 User can attach a Question Group to new Group Loan from view flow
Actors
- User with permissions: "Can manage question groups"
Preconditions
- Question Group with questions has been created and assigned to View Loan flow
Basic Flow
- User go to new Group Loan details page
- User clicks on 'Attach a new Question Group' link
- User can select Question Group and click 'Continue' button
- Page with Question Group is displayed and it is possible to answer to all questions
- User clicks 'Submit'.
Post-condition
- Question Group with answers can be viewed by clicking on its name under 'Question Groups' section
Validations
- Question Group has all answers added while attaching QG and it is possible to edit them if it was defined in Question Group definition.
- Question Group is not displayed for individual member accounts.
11.3 User can attach a Question Group to new Group Loan during close loan flow, approve loan flow and disburse loan flow
Actors
- User with permissions: "Can manage question groups"
Preconditions
- Question Group with questions has been created and assigned to close loan flow/approve loan flow/disburse loan flow
Basic Flow
- User go to new Group Loan details page
- User clicks on 'Attach a new Question Group' link
- User can select Question Group and click 'Continue' button
- Page with Question Group is displayed and it is possible to answer to all questions
- User clicks 'Submit'.
Post-condition
- Question Group with answers can be viewed by clicking on its name under 'Question Groups' section
Validations
- Question Group has all answers added while attaching QG and it is possible to edit them if it was defined in Question Group definition.
- Question Group is not displayed for individual member accounts.
Functional Requirements
FR# | Description | Comments/Mockups |
|---|---|---|
1.1 Create a New Group loan account | Create flow will be almost the same as current implementation, there will be new link on Group details page: "New Group Loan application". After creating group account also new individual account will be created for every member of group account. | |
| 1.2 Group loan account details page | Group Loan account details page will be almost the same as in current implementation. Individual schedule will show schedules from individual member accounts. | |
| 1.3 Individual member loan account details page | Individual member loan account details page will be almost the same as Client loan account details page. However, "Undo disbursal" and "Modify" tabs will not available. | |
| 1.3 Client details page | There will be a new section on Client details page – 'Group Loan Accounts Overview', which will be showing individual member account details. | |
| 1.4 Modify account parameters | Parameters of Group Loan account can be modified only from Group Loan account level. There is no possibility to modify account details from individual member account level. | |
| 2. Apply payment | There will be possible to apply payment from every individual account and also from Group loan. When you try to apply payment from Group loan details page (click 'Loan repayment'), then new page will be displayed, on which it would be possible to enter exact amount for every member. Payment amount will be applied to every individual member account and information about payment will be automatically updated on Group Loan account. | |
| 3. Apply adjustment | It will be possible to adjust payment made by individual and also whole payment made to Group Loan account. While applying adjustment, it will be possible to revert/modify amount of every individual member. | |
| 4. Apply charge | Charges could be applied to individual member account and also to the whole Group account. While applying charge, it will be possible to specify exact charge amount for every individual member. | |
| 5. Loan product | Loan product for Groups has the same options as for individual Clients. There can be some restrictions on the Group product. | |
| 6. Close Group Loan account | It is possible to close the entire Group Loan account and then also individual member loan accounts are closed. There is also possibility to close individual member loan account only and information about this is automatically updated on Group loan account. |
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Security (Permissions, Roles, and Data Scope) | Yes/No | Comments |
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Does the user need to be in a particular user hierarchy to use this feature? | No |
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Does the office hierarchy affect use of this feature? | No |
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Are you using any existing permissions to control this feature? | Yes |
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Are you adding any new permissions or changing existing permission to control this feature? | Yes |
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Are you using any existing activities to control this feature? | Yes |
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Are you adding any new activities or changing existing activities to control this feature? | Yes |
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Are there any special considerations for upgrade scenarios? What will be the default value for new permissions? | No |
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What will be the default values for default roles in a new installation? | No special considerations. Default value is checked in User role. |
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