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feature |
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Support for additional lending models:
- Joint liability group (members of a group are held accountant able for loan repayments of others in their group; rules can vary, but examples include: group members can't receive a new loan a member of their group has a loan in arrears;)
- MGG
-SHG/Sacco support: federation support, intra-group lending, etc
- Full teller-model support: Removing meeting requirement in Mifos
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Multicurrency Support |
Enhanced MFI Configuration Settings:
- Data scope configuration (can a branch see data from another branch)
- Additional levels of office hierarchy
- Defining lending models by branch |
Enhanced Product Configuration Settings:
- Product availability by branch
- Products by lending model |
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Enhanced Loan Functionality & Flexibility:
- Additional repayment options: daily, flexible definition (ie, able to define outstanding amounts by month), able to edit specific repayment amounts
- Support for multiple (trache) disbursements for same loan, balloon repayments, etc
- Automatic Calculation of Penalties
- Collateral Tracking
- Business Performance Tracking (can be handled via surveys?)
- Changing way loan cycles are handled
- Linkages to savings and/or Shares: Balance and Ownership requirements
- Configurable rules around early loan repayment
- Interest due calculation based on actual payments
- Payment via account transfers
- Tracking Guarantors
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Enhanced Savings Product Functionality:
- Savings account fees
- Savings acct restrictions (min balance, min amount to receive interest, max withdrawal amount, max # of withdrawals, etc)
- Allow interest posting on non Gregorian Calendar Dates
- Calculating mandatory savings deposit amount on outstanding loans size (functional spec complete)
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Enhanced Client Data Collection:
- Biometrics collection
- Clients can belong to multiple groups/centers
- Codification of village/city/towns |
Enhanced Work Flow & Permissioning System:
- Configurable Work flow management tools
- Field Level Permissioning
- Ability to combine loan and client/group approval steps into single step, ie, create client/group/center/loan all at same time |
Interfaces:
- ATM integration
- Cash Management Systems
- Front-end POS devices
- Payment Systems
- Regulatory Agencies
- Kiosks
- Mix Market
- Smart Cards |
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Enhanced Reporting:
- Data warehouse separate from operational database, for reporting
- Batch extraction from operational database and load into data warehouse
- Support for deep analytical reporting
- Scheduler, saved reports, email notification
- Dashboards
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Advanced Internationalization:
- Right-to-left support
- Support for non-gregorian calendars
- Support for non Arabic numbers |
Cash Management Support:
- Includes things like track clearing and tracking, deposit tracking, bank account balance tracking and management of multiple accounts, etc
- Tracking fund balances |
Securitization Support:
- Portfolio tagging at account level
- Report generation |
Misc:
- Easy tools for "Splitting" a Branch
- Ability to group clients into "Programs" (ie, HIV program, beggars program, etc)
- Set-up Wizard
- Localization into additional languages
- Self-extracting Windows Installer
- Collection of structured data in "Additional Data Fields"
- Support for variable/floating interest
- "Cash taken to Field" added to bulk-entry
- Branch level holidays
- Moratorims |
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Architecture enhancements:
- Application support for multiple DB threads
- Handling concurrent login of same users
- Support for Clustering
- Support for Multi-Instance/ Multi-Tenancy
- Improve unit-test architecture: review choice of in-memory database, add ability to run independent sets of unit-tests, improve duration of test execution, etc.
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