yomfi.com

yomfi.com is an online microfinance managment system

Road Map

- Prepare a template to initiate development

Loan products

- updating 
a loan product will only allow one to edit its name and description or status if
it is attached to atleast one disbursed contract.
if it doesnot yet have a disbursed contract, then its values can be changed

Creating a contract

- principle_amount
this will by default be zero on form load or reset, but when a user selects
a loan product then if it is still at zero or below zero, the minimum amount
on the loan product is picked.
the priciple amount must always be between the bounds set on the loan product
definition.
if the loan product is changed and the principle amount is not within the bounds
of the loan product, then the fielfd input will show a red invalid amount error 
only if the specified amount is above zero, if its zero and below, then it is auto
replaced with the minimum amount on the loan product

- periodicity
this is picked from the loan product by default and cannot be 
manually changed 

- interest rate
this is picked from the chosen loan product by default
when the loan product is changed also this interest rate will be changed
changing the interest rate, causes the installments to be redrawn
the interest field is also editable but the entered value must be within 
the bounds set on the choosen loan product

the daily, weekly, monthly and annual interest rates all behave the same 
in the above regards

- number of installments
this is auto filled in after the installments schedules have been drawn
it cannot be manually changed
the number of istallments must atleast be one, and cannot be less than that

- installments interest amounts
depending on the chosen periodicity these are the proceddings
1. daily periodicity
here the schedule is drawn to cover the number of days (period of the loan);
while drawing up the schedule each individual day is considered for skipping if the
setting accept for this.
2. weekly 
3. annually : 

4. Considering monthly periodicity only
-> the daily interest rate for accrual should be based on the settings of the standard number 
of days in a month = 30 days;
-> lets have a colomn for reducing balance on the schedule
* for future versions we have to consider the efect of holidays, weekends, lockdowns days on the 
accrual of interest when calculating balances.
-> the schedule will be drawn in the db after the disbursment has been done, and we pick the date of disbursment and use it to draw up the schedule.
Before the loan id disbursed we can draw up the would be schdule in the browser depending on the settings of the expected disbursement date
** to get feed from Nasiifu concerning who we treat the start date and end dates of the installment
factoring in grace period (the days before the start of the first installment period)
  - grace period can be configured so that the first installment starts on the first day of the next month, 
  - or if the disbursment occurs before a specific date e.g 5th then we can consider end of that month 
  - or if its beyond a certain date we can sonsider start of the next month.

* for future versions consider scenerails of start and end date of an installment being based off the standar number of days, and a fixed day on the month.

monthly interest rate = m;
daily interest rate = d;

monthly interest amount = "";





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<div class="eg green">GREEN DIV</div>
<div class="eg blue">BLUE DIV</div>
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