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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 | 11.1, 11.2, 11.3 |
| 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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- Question Group with questions has been created and assigned to close loan flow/approve loan flow/disburse loan flow
Basic Flow
- User go to starts closing/disbursing/approving new Group Loan details page
- User clicks on 'Attach a new Question Group' link
- User can select Question Group and click 'Continue' button
- 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 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.displayed during close loan flow/approve loan flow/disburse loan flow
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 Open new Group Loan applicationAccount". 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 'Edit account status' and 'Edit account information' links are 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 repaymentApply payment'), 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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