A business rule system enables these financial institutes policies and other operational decisions to be defined, tested, executed. Rule engines typically support rules, facts, priority (score), mutual exclusion, preconditions, and other functions.

This module will enable MFI admin to add, remove or modify the business rule against pre-defined work flows in the application.

As financial institutes, the business process of the institute is governed by local regulatory, and internal rules and rules defined by other other stake holders. And MIS should have provision to define these rules in the application to achive the objectives of these rules defined by various stake holders.

Example: Insurance company does not provider insurance to any person above 65 age. In that case in the MIS if users tries to attach a insurance feed to a client's loan account whos age is more than 65 years then "business rule engine" should prevent that action with appropriate message.

Social performance is an effective translation of an institution’s mission into practice in line with accepted social values.

In order to achieve strong social performance, an organization must manage its social performance as carefully and deliberately as it manages its financial performance.

It helps MFIs to track the impact to their clients and report data to their donors and funders.

They can also use it to benchmarks their work internally to setup new campaigns or refine already installed.

In most of the cases MFI wants to capture additional data during certain workflows (example: during client closing, wants to conduct exit survey, capture PPI during loan creation) and this requirement can fulfilled by adding option to attach datatable/survey/question group to the pre-defined workflows as certain points (example: during loan creation, during approval time or during disbursement etc).

And same can be achieved by integrating workflow engine.  

Helps organization to streamline their data capture process in the MIS and as well as in the field. And this leads toward more measurability of the MFI's impact in the field and more transparency.

In outbound SMS notification MFI decides when and what information need to be sent to client, but as part of client protection, client has complete rights to request for information about her/his account details(any time any where). Using inbound SMS client can query for her account details such loan amount, status of new loan application, outstanding loan amount.The implementation would probably have 4 parts to it:

a) Code Hooks - Extend functionality of event listeners (what was done for "Guarantor Release for Blocked Funds" for loans) to include key business events like loan creation, loan approval, loan disbursement, savings account creation, savings account activation, savings withdrawal, client creation, client approval, etc. Pre- and Post- events to be enabled for these business events.
b) Enable rules (using Drools) for specific business events (Pre- and Post-)
c) If rule enabled, then evaluate rule. Rule should get the business object and any parent business object as input (Example for a loan disbursement, the loan account and the client details will be automatically supplied as inputs to the rule; For a savings withdrawal; the transaction, savings account and client details will be input to the rule. Evaluate rule and return true or false if the action should continue or not.
d) Implement Client level and account level limits using these rules - this will involve evaluating rules on data that is not directly supplied - For example: customer wants to withdraw 5,000. But has already touched the limit of 10,000 per day. The rule should be capable of evaluating the totals of transactions (i.e. use data not directly supplied to the rule).

Social performance is an effective translation of an institution’s mission into practice in line with accepted social values.

In order to achieve strong social performance, an organization must manage its social performance as carefully and deliberately as it manages its financial performance.

It helps MFIs to track the impact to their clients and report data to their donors and funders.

They can also use it to benchmarks their work internally to setup new campaigns or refine already installed.

In most of the cases MFI wants to capture additional data during certain workflows (example: during client closing, wants to conduct exit survey, capture PPI during loan creation) and this requirement can fulfilled by adding option to attach datatable/survey/question group to the pre-defined workflows as certain points (example: during loan creation, during approval time or during disbursement etc).

And same can be achieved by integrating workflow engine.  

Transparency and client protectionHelps organization to streamline their data capture process in the MIS and as well as in the field. And this leads toward more measurability of the MFI's impact in the field and more transparency.

Microfinance institutions usually work with various external parties, such as funders or investors. Using the data that is available in MifosX we would like to offer those stakeholders a seperate portal showing accurate and high-level information about the institution that would otherwise be reported manually by the institution. This information helps them in their decision making processes, but also enables them to assess the broader impact they are having with their funding.

To develop a portal that aggregates information from different Mifos X deployments and report on predefined social and operational metrics

Objectives:

• Implement back-end logic in MifosX required to make information available to the client impact portal
• Implement UI and back-end logic of the Client impact portal

Data Analytics & Client Insight - Are we making an impact? (Client Impact Portal demo)

Client Impact Portal POC - (mifos/password are login credentials)

Because of regulatory reasons or to do background check of a client (risk management), MFIs depend on credit bureaus. As part of it, MFI must submit client details to credit bureau and also need to pull client information from credit bureau before approving any new loans to a client.Mifos X can be integrated with a popular CBs in India and from other regions (based on the demand).

This will be an optional module inside Mifos X, and this module can be turned on/off based on the institutes requirements. And will be flexible to configure with different CBs (may not be practical to integrate with all CBs).

The major functionality will be sending the data to CBs on regular intervals in the format CB expects. And option to pull the client’s information from CB whenever loan officer/branch manager/ user wants to view the information for a particular client.

The credit report shows account information such as repayment record, defaults, type of loan, amount of loan, etc. of the customer. This information facilitates prudent decision-making when the credit underwriter processes the loan application. This help MFI to reduce the risk of bad loans and reduces the multiple lendings to same person from different MFIs.

In outbound SMS notification MFI decides when and what information need to be sent to client, but as part of client protection, client has complete rights to request for information about her/his account details(any time any where). Using inbound SMS client can query for her account details such loan amount, status of new loan application, outstanding loan amount.

Transparency and client protection.

Microfinance institutions usually work with various external parties, such as funders or investors. Using the data that is available in MifosX we would like to offer those stakeholders a seperate portal showing accurate and high-level information about the institution that would otherwise be reported manually by the institution. This information helps them in their decision making processes, but also enables them to assess the broader impact they are having with their funding.

To develop a portal that aggregates information from different Mifos X deployments and report on predefined social and operational metrics

Objectives:

• Implement back-end logic in MifosX required to make information available to the client impact portal
• Implement UI and back-end logic of the Client impact portal

Data Analytics & Client Insight - Are we making an impact? (Client Impact Portal demo)

Client Impact Portal POC - (mifos/password are login credentials)

Because of regulatory reasons or to do background check of a client (risk management), MFIs depend on credit bureaus. As part of it, MFI must submit client details to credit bureau and also need to pull client information from credit bureau before approving any new loans to a client.Mifos X can be integrated with a popular CBs in India and from other regions (based on the demand).

This will be an optional module inside Mifos X, and this module can be turned on/off based on the institutes requirements. And will be flexible to configure with different CBs (may not be practical to integrate with all CBs).

The major functionality will be sending the data to CBs on regular intervals in the format CB expects. And option to pull the client’s information from CB whenever loan officer/branch manager/ user wants to view the information for a particular client.

The credit report shows account information such as repayment record, defaults, type of loan, amount of loan, etc. of the customer. This information facilitates prudent decision-making when the credit underwriter processes the loan application. This help MFI to reduce the risk of bad loans and reduces the multiple lendings to same person from different MFIs.

1. Build a module that extends loan product definition to include specific physical product ordering - e.g. a clean energy loan associated with a specific solar product. Create a daily batch process to send data in JSON or XML to appropriate third party system (e.g. MEC Tracker). Extend this to include "down payments" on the product purchase - i.e. only partially financed.
2. Build a supplier ordering/invoice & financial reconciliation process and transfer funds directly to "Supplier Account" upon fulfillment of order.
3. Create reports on aging of orders, fulfillment timing, and geographic spread.

MFIs become more capable of integrating with third party systems for management of deliveries, after-sales service, and carbon tracking.

While the Mifos X Community App front-end UI based on AngularJS-based currently does already have some JS unit tests, we lack a full UI level web tests which continually non-regression test common scenarios. We believe having this could add value in terms of quality, including ensuring automated cross browser testing.

Possibly building upon a extremely limited small scale existing POC (if you find it to be a useful starting point), your mission, should you chose to accept it, would be to build out comprehensive UI walk through scenario test coverage for the Mifos X UI. If you can build more such tests faster and more maintainable (= less code) by using any of the existing frameworks listed below or others you know of / will find, or build useful such infrastructure yourself as part of this code, we're eager to hear from you! Keep in mind that the main deliverable of this project is not (only) a foundation framework, but must actually include an extensive suite of running tests integrated into the Mifos build.

mind that the main deliverable of this project is not (only) a foundation framework, but must actually include an extensive suite of running tests integrated into the Mifos build.

http://docs.seleniumhq.org/projects/webdriver/

https://github.com/vorburger/mifosx-ui-selenium-webdriver-tests

https://github.com/vorburger/webdriver-runner

https://saucelabs.com or https://browserling.com

https://github.com/FluentLenium/FluentLenium

http://www.gebish.org

http://www.thucydides.info

Provide an easy way for reports to "merge-printed" from the Client or account page. Currently, if a user needs to print a specific letter for customer or loan account or savings account - the only way is to develop a report or use stretchy report. This is difficult to use and cannot be invoked from a client or account page.

Easy to print reports like Loan Sanction Letter, Savings Transaction report, Deposit notice etc.

Add two additional batch jobs in Mifos:

a) For Loan Loss Provisioning

b) Dividend calculation and posting for Share accounts

From a business perspective, these add a lot of value in automating some of the key year end computations

Enable two factor authentication for certain types of transactions - for example transfers initiated, need to be confirmed via a One-Time-Password generated by Mifos and sent via SMS to client's mobile number.

Provides more security for clients especially during loan disbursements and savings withdrawals or transfers.

Develop a set of APIs that can be used by a front end application that is meant for Cleint/Member Self-Service

Allows a member/client in having a self-service channel

This has a dependency on the Self-Service backend API's being available 

Allows a member/client in having a self-service channel

Data Tables - enhancements for psuedo-workflows

Allows a member/client in having a self-service channel