...
User Stories: As an <customer: loan officer>, I would like <this functionality> in order to <accomplish this task>.
MVP (Random Hacks of Kindness weekend)
As a field/loan officer, I would like to accomplish the following in order to work with clients while traveling to meet them (in order process repayments, disburse loans, hold meetings, etc.)
- Login - Authenticate to system.
- Client Creation: Loan officers need to be able register new clients directly in the field through their mobile devices >> Create new client record.
- Client Data Retrieval and Display: Loan officers often need to view information regarding individual clients and their accounts in Real-time. Through the mobile app, the loan officer should be able to lookup a client by various parameters (name, account_number, government_id, branch, center, group) to retrieve details client record. See current Android client for more details.
- Retrieve Client Record (either created through web / mobile) via search which would display a list of all records that would fulfill criteria.
- Multi-tiered client record search (out of scope for current project)
- Data Population >>
- Populate with basic data
- Name (First name, Last name)
- Address
- Phone Number
- Assigned Officier
- Advanced Data (out of scope)
- Photo
- Demographic
- Populate with basic data
- Retrieve existing Repayment Data with user client (you might get this one for free)
- Client Detail Page with account summary listing
- Account Details (out of scope)
- Account Type
- Loan Product
- Account Status
- Current Balance
- When Payment Due
- Standing: Good, Bad etc.
- Transaction History (out of scope)
- Inputting Repayment Data: Entering and processing transaction data in real-time time. Inputting the transaction data in real time also offers greater security for the client - as soon as the client conducts their transaction (repayment, deposit, disbursement, withdrawal)
- Repayment Data
- This can be done either at individual level or in bulk through a collection sheet-type interface.
- Adjust Data
- Transactions could immediately get posted to the database or could have an intermediate layer and follow a maker/checker concept in which amounts must get approved back at the office.
- Mobile Mifos X could generate an SMS receipt or a physical receipt printed from a mobile thermal printer. (out of scope for current project)
- Attendance
- Repayment Data
- Input charges/fees
- Create new loan account
- Select type of account and define account parameters
- Save for approval
- Disburse loan account (for accounts that have been created and approved)
- Retrieve account
- Approve new account (different data scope)
- Offline Access: Mifos is a web-based application. Many MFIs have branch offices that operate with intermittent or no connectivity. A mobile application that has offline access would provide a viable solution for these low connectivity situations.
- MFIs should be able to load the application with the data they intend to capture, record these transactions and client data while offline, and then sync with Mifos when they have a data connection.
Multi-tiered access: The amount of information available about the end-user would depend on the level of the client using it.
- Capturing Client Data & Surveys: MFI management make important business decisions based on the financial and social analysis from their client data. Mifos provides the mechanism to centralize and report on all this data, you can help create a mobile interface to capture this information. This information might take the form of:
- Surveys about their businesses
- Social performance measurement surveys (PPI etc.)
- Photos of collateral
- Multimedia storage (Photos, Video, Sound Snippets)
- Others...
Bulk Entry of Repayment Data
- A mini-collection sheet type view is probably the best way to handle collectiosn for those that have center and group meetings.
Task Lists and Upcoming Meeting Reminders
CASE STUDIES:
...