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Get Stoked - End Poverty. One Line of Code at a Time.

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Mentors Nayan Ambali
Overview & Objectives

Because of regulatory or to do background check of client (risk management), MFIs depend on credit bureau. As part of it MFI need to 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 may be from other region. (Based on the demand)
Description

This will  be 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.

Helpful Skills SQL, Java, Javascript, Git, Web Services, Big Data (Hadoop, Hive)
Impact

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.

Other Resources 

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Clean Energy Integration

MentorsJames Dailey
Overview & Objectives
  • integrate with product ordering and warranty system (e.g. MEC Tracker) 
  • special loan product configuration ("down payment" recorded)
  • Invoice process with product supplier or payment of client goes into Merchant Account directly  (IFC Solar loans have similar requirement) 
Description

 

Helpful Skills 
Impact

 

Other Resources 

<EDIT>Pay as you Go Solar Module

 
MentorsJames Dailey
Overview & Objectives
  • creating simple "pre-paid accounts", API for "using solar minutes up"
Description

 

Helpful Skills 
Impact

 

Other Resources

MFIs are interested in becoming a channel for clean energy products - such as solar home systems, water purifiers, or improved cookstoves. With international partners like barefoot power, dlight, or MicroEnergy Credits, or local partners like Grameen Greenway or HUL, MFIs need a way to take orders and hand off data to appropriate partners for order-fulfillment, warranty management, and after-sales service. Integrating a single customer view including their financing of specific clean energy products.

Description
  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.
Helpful Skills  SQL, Java, Javascript, Git, Web Services
Impact

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

Other Resources 

Pay as you Go Solar Module

MentorsJames Dailey
Overview & Objectives

Pay-as-you-go mobile phones have revolutionized access to telecom, the same can be done with solar energy access. Off-grid installations of PVC panels and batteries can be pared with a mobile payment mechanism to allow clients to purchase power "as they use it". This functionality will allow organizations to become involved with 3rd party providers of solar systems.

Description
  1. Create a pre-paid account mechanism as an account type or account option in Mifos (perhaps extending existing classes), zero fees.
  2. Create a new API for consuming pre-paid account balances.  
  3. Create a simple external model that mimics consumption by a household on a daily basis - imagined as a set of data received from solar panel (watts used, time of day, volts present).  
  4. Load up pre-paid account by account transfer in P2P interface (my phone to your account) or via trusted agent - i.e. trusted agent receives cash and loads account on Mifos.
Helpful Skills SQL, Java, Javascript, Git, Web Services
Impact

Providers of pay-as-you-go solar can use MIFOS for their operations. MFIs can become such providers.

Other ResourcesMobile project on MifosX

Business Rules Engine

Mentors Nayan Ambali
Overview & Objectives

 

Description

 

Helpful Skills 
Impact 
Other Resources 

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Mentors Nayan Ambali
Overview & Objectives

At present MIfos X platform is shipped with Community-App (SPA) as default UI, but initial load time of the application high. And for users on narrow band internet it takes considerable amount of time to load the app.

Instead of loading the app every time, we can convert the Community-App into a Chrome App and user can download them once and install it ion the machine, and it can used as thick client.

 

Description

Community-App is completely developed on top of JavaScript, CSS and HTML. And Chrome apps are also written in same stack. Use grunt we should be able to repackage Community-App(SPA) into Community-App(Chrome App)

Helpful SkillsJavascript, AngularJS, Grunt
Impact

Users with slow internet connectivity can use this app (Installed on the machine) instead of loading Community-App (SPA) on the browser

Other Resources  http://developer.chrome.com/apps/angular_framework.html

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