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In new Group Loan there will be a new approach of Group Loan account. There will be individual member accounts and Group loan account only for information purposes. During the Group loan creation, also individual accounts will be created for every member of group loan. Group loan account will be will be a sum of member's accounts. It would be possible to access every individual member loan account, so that there will be a possibility to repay every individual account or close it, and information about that will be immediately visible on Group loan account. While applying payment to the entire Group loan, amount will be divided automatically into Group Loan account members but there will be also possible to modify exact payment amount of every member. This new approach will be more flexible and will meet more client requirements.

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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 On the next same step, user has possibility to has to edit payment amount for every member
6. User clicks 'Submit' button

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1. User opens Group Loan account details page
2. User clicks on 'Apply payment' button
3. Amount is automatically deducted according to contribution of every member in Group Loan account
4. In the next same step, user has possibility to has to edit payment amount for every member
5. User clicks 'Submit' button

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1. User opens Group Loan account details page
2. User clicks on 'Apply payment' button 
3. Amount is automatically deducted according to contribution of every member in Group Loan account 
4. In the next same step, user has possibility to has to edit payment amount for every member
5. User clicks 'Submit' button

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1. User opens Group Loan account details page
2. User clicks on 'Apply charges' 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 member
6. User clicks 'Submit' button

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• Group Loan account was previously created

Basic Flow

1. User opens individual member group loan account details page
2. User clicks on 'Apply charges' button
3. User can select either fee or penalty
4. User charge amount for selected individual member (other members should get amount 0)
5. User clicks 'Submit' button

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• Charge 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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1. User opens Group Loan account details page
2. User clicks on 'Apply payment' button
3. Amount is automatically deducted according to contribution of every member in Group Loan account
4. In the next same step, user has possibility to has to edit payment amount for every member
5. User clicks 'Submit' button

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

8.1 User can apply payment by using

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Collection Sheet Data Entry

Actors

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

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