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In previous version of Mifos, it was possible to create group loan with monitoring of every member (GLIM on) and also to create group loan without specifying members (GLIM off). Individual member accounts were only for information purposes, so they had only little connection to group account (e.g. after closing client, he was still visible on the Group account). There was also no possibility to repay individual member account because there was no access to those accounts and as a result, payments could be only applied to the whole group loan account. So, in general, there was a Group loan account and individual member accounts only for information purposes.

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 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.

• Old Loan Product should accept new Group Loans for Groups

• Possibility to create Group Loan account with individual member loan accounts

• Ability to apply payment to Group Loan and also to individual member loan accounts

• Possibility to apply payment to entire Group loan with automatic amount deduction and option to manually edit payment amount for every individual member

• Possibility to apply payment only to individual member loan account

• Possibility to repay new Group Loan by trasfer from Savings

• Possibility to access individual member loan account from Client details page

• Possibility to adjust transactions on Group loan account with option to manually correct amount for every individual member

• Possibility to adjust transactions made on individual account

• Possibility to apply fees/penalties to group account with automatic amount deduction (according to contribution of every member) and option to manually edit charge amount for every individual member

• Possibility to apply fees/penalties to individual member loan account

• Possibility to apply full repay to individual member loan account and also to group loan account

• Amounts on group account are sum of amounts on member accounts

• No possibility to modify loan account parameters from member accounts

• Possibility to redo Loan with new Group Loan approach

• Possibility to reverse new Group Loan

• Possibility to repay new Group Loan by using Audi Bank Plugin

• Possibility to approve new Group Loan by using 'Approve multiple loans' functionality

• Possibility to attach Question Groups to new Group Loan

• Possibility to close individual member Loan account and also the whole new Group Loan

• Information about transactions on Group and individual accounts should be recorded in the database.

The following items will not be addressed in this release:

• Possibility to repay new Group Loan by using MPESA plugin

• Compatibility with Mifos Android Client

Epic issue: https://mifosforge.jira.com/browse/MIFOS-5628

List high level user stories - these can be broken down later into small user stories / user tasks if needed