From: Nayan A. <nay...@gm...> - 2016-08-18 08:01:49
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We use https://balsamiq.com/, i think you get 30 days free tail period :) On Thu, 18 Aug 2016 at 11:32 karthik iyer <kar...@gm...> wrote: > Hi Nayan, > > Do we have any existing UI in the community app for collaterals? Or do > I create the UI from scratch? > > Thanks > Karthik > > On Wed, Aug 17, 2016 at 3:19 AM, Nayan Ambali <nay...@gm...> > wrote: > > Thanks for the update, Karthik, it is as per our discussions. > > > > Also can put the UI mock-ups? > > > > - > > Nayan Ambali > > > > > > On Sat, Aug 13, 2016, 3:15 PM karthik iyer <kar...@gm...> > > wrote: > >> > >> Hi Nayan, > >> > >> I've implemented the changes we discussed last time. I have updated > >> https://mifosforge.jira.com/wiki/display/MIFOSX/Collateral+Module > >> accordingly. Please review it. > >> > >> Thanks > >> Karthik > >> > >> On Thu, Jul 28, 2016 at 10:40 PM, karthik iyer > >> <kar...@gm...> wrote: > >> > Hi, > >> > > >> > Any updates on this? I know reviewing can take some time. Can you > >> > meanwhile provide some document/link that I can use as a design basis > >> > for this module. > >> > > >> > Thanks > >> > Karthik > >> > > >> > On Mon, Jul 25, 2016 at 8:31 PM, karthik iyer > >> > <kar...@gm...> wrote: > >> >> Hi Nayan, > >> >> > >> >> I have documented my work till now in here > >> >> > >> >> https://mifosforge.jira.com/wiki/display/MIFOSX/Collateral+Module > >> >> > >> >> Please have a look and add your comments. I would also like to have a > >> >> 1-1 discussion to get a more detailed idea about my further work on > >> >> this. Please suggest your convenient timings. > >> >> > >> >> Thanks > >> >> Karthik > >> >> > >> >> On Thu, Jul 21, 2016 at 11:25 AM, Nayan Ambali < > nay...@gm...> > >> >> wrote: > >> >>> Karthik, > >> >>> > >> >>> Can please document the same under > >> >>> > >> >>> > https://mifosforge.jira.com/wiki/display/MIFOSX/Mifos+X+Functional+Specifications > ? > >> >>> That helps me to collaborate and put my comments :) > >> >>> Note: Make sure you create new page under Mifos X Functional > >> >>> Specifications > >> >>> > >> >>> Example: Refer > https://mifosforge.jira.com/wiki/display/MIFOSX/Address > >> >>> > >> >>> > >> >>> > >> >>> Thanks and Regards, > >> >>> Nayan Ambali > >> >>> +91 9591996042 > >> >>> skype: nayangambali > >> >>> > >> >>> On Wed, Jul 20, 2016 at 12:23 AM, karthik iyer > >> >>> <kar...@gm...> > >> >>> wrote: > >> >>>> > >> >>>> Resending the previous mail again to disable the auto wrap-around > by > >> >>>> gmail. Ignore the previous two mails. Some weird formatting issues > in > >> >>>> them. > >> >>>> > >> >>>> > >> >>>> Hi Saransh/Nayan/Devs, > >> >>>> > >> >>>> Sorry for the brief hiatus. I got caught up with other stuff at > >> >>>> office > >> >>>> hence couldn't come here for some time. > >> >>>> > >> >>>> I started working on the collateral module a couple of days back. > My > >> >>>> aim > >> >>>> right now has been to atleast implement the basic scenarios > mentioned > >> >>>> in > >> >>>> Saransh's previous mail before deep diving into the finer details. > >> >>>> > >> >>>> I came up with a simple DB design for the tables that will go into > >> >>>> this > >> >>>> module. I have attached the diagram with this mail. The foreign > keys > >> >>>> for the > >> >>>> tables are: > >> >>>> > >> >>>> `m_collateral`.`base_id` Refers `m_collateral_base_value`.`id` > >> >>>> `m_collateral_base_value`.`type_cv_id` Refers > `m_code_value`.`id` > >> >>>> > >> >>>> Basically I have created two new tables m_collateral and > >> >>>> m_collateral_base_value for handling the collateral definitions > >> >>>> independent > >> >>>> of the loans. This will remove the strong coupling between the > loans > >> >>>> and the > >> >>>> collaterals. > >> >>>> > >> >>>> The m_collateral_base_value will mention the current market value > of > >> >>>> any > >> >>>> collateral. It can be changed dynamically. For example If the > Current > >> >>>> market > >> >>>> price of gold is 31k/10 grams, we will create an entry for gold > >> >>>> collateral > >> >>>> in m_code_value , refer it in the m_collateral_base_value and store > >> >>>> 31k in > >> >>>> the `m_collateral_base_value`.`base_price` column. This is the base > >> >>>> value > >> >>>> which will be used for all gold based collaterals created . > >> >>>> > >> >>>> The m_collateral table stores the actual collateral definition. For > >> >>>> example if we want to store the definition of 24 carat gold, The > >> >>>> `m_collateral`.`base_id` will store the `m_collateral_base_value` > >> >>>> table id > >> >>>> for the gold price entry. The `m_collateral`.`quality_standard` > will > >> >>>> store > >> >>>> the definition of the collateral (24 carat in this case). The > >> >>>> `m_collateral`.`pct_to_base` is the percentage value w.r.t. the > base > >> >>>> price > >> >>>> of that collateral. 24 carat gold being the purest form will have > >> >>>> this value > >> >>>> as 100.0 (100%). Other definitions such as 22 carat will have > values > >> >>>> less > >> >>>> than 100.0 in this column. In case of collaterals such as real > estate > >> >>>> there > >> >>>> is no definition of purity as such, hence all collateral > definitions > >> >>>> will > >> >>>> have 100.0 value in the `pct_to_base` column. > >> >>>> > >> >>>> The above design can handle most of the basic collateral > scenarios. I > >> >>>> have > >> >>>> done a basic implementation of these scenarios over here > >> >>>> > >> >>>> > >> >>>> > >> >>>> > https://github.com/karthikiyer/incubator-fineract/commit/4ab2f559d13634934ed1364c41f809411c82b225 > >> >>>> > >> >>>> I have also implemented a simple collateral value calculation > system > >> >>>> for > >> >>>> scenarios where a list of collaterals will be provided. There will > be > >> >>>> an > >> >>>> extra entry in the " /loans/{loanId}/collaterals " POST api payload > >> >>>> for the > >> >>>> collateral list > >> >>>> > >> >>>> "collateralDetails":[{ > >> >>>> "units":"3", > >> >>>> "collateralId":"5" > >> >>>> }, > >> >>>> { > >> >>>> "units":"5", > >> >>>> "collateralId":"6" > >> >>>> }] > >> >>>> > >> >>>> Here 'collateralId' is the entry for a particular collateral in the > >> >>>> `m_collateral` and units is the number of base units of that > >> >>>> collateral. For > >> >>>> example if the base unit of gold is 10g, then 2 units will be 20 > >> >>>> grams. If > >> >>>> real estate in 100 sq ft then 5 units will be 100 sq ft. The loan > >> >>>> amount > >> >>>> will be done as follows > >> >>>> 1. First get the collateral entry from `m_collateral` using > >> >>>> collateralId. From that entry get the pct_to_base(percentage to > base) > >> >>>> and > >> >>>> base_id. > >> >>>> 2. Using base_id get the base value from the > >> >>>> `m_collateral_base_value` table. > >> >>>> 3. Multiple units*base_value*pct_to_base/100 . This will be > >> >>>> the > >> >>>> value of that collateral. > >> >>>> 4. Using the above strategy calculate the collateral values > >> >>>> for all > >> >>>> the collaterals in the above given JsonArray and add of them. > >> >>>> 5. This will give the net collateral amount of the list of > >> >>>> collaterals mentioned. > >> >>>> > >> >>>> I haven't touched the LoanCollateral class in the code because I > was > >> >>>> not > >> >>>> sure what all code I'll end up breaking by changing that class. I > >> >>>> will touch > >> >>>> it once the flow of the module is decided. Instead I have created > new > >> >>>> classes and changed addCollateral() function to calculate the > >> >>>> collateral > >> >>>> value as per the above strategy. > >> >>>> > >> >>>> The above given explanation is just a summary of what I have done > >> >>>> till > >> >>>> now. I would like to discuss more on this module. Can you tell me > >> >>>> some time > >> >>>> when one of you will be free so that I can come for a 1-1 > discussion. > >> >>>> > >> >>>> P.S. I haven't used most of the custom fineract helper functions in > >> >>>> my > >> >>>> implementation. I will implement them once I am done with the > entire > >> >>>> functionality implementation > >> >>>> > >> >>>> Looking forward to you reviews and comments. > >> >>>> > >> >>>> Thanks > >> >>>> Karthik > >> >>>> > >> >>>> On Mon, Jul 4, 2016 at 12:19 PM, Saransh Sharma > >> >>>> <sa...@th...> > >> >>>> wrote: > >> >>>>> > >> >>>>> Hi, > >> >>>>> > >> >>>>> Karthik Iyer glad to see you onboard these modules were assigned > >> >>>>> under me > >> >>>>> unfortunately there were less slots available this year from > google > >> >>>>> so these > >> >>>>> features could not be selected anyway as a result i am available , > >> >>>>> as nayan > >> >>>>> mentioned you should head out with the basics where you can > >> >>>>> understand the > >> >>>>> architectural flow of the mifosx or apache fineract code base > >> >>>>> > >> >>>>> You can fork this repository > >> >>>>> https://github.com/openmf/incubator-fineract > >> >>>>> > >> >>>>> You need Mysql 5.6 > >> >>>>> You can have your choice of IDE > >> >>>>> > >> >>>>> > >> >>>>> > >> >>>>> For Collateral management you need to understand the logic like > this > >> >>>>> > >> >>>>> The current functionality for loan collaterals is minimal and > >> >>>>> tightly > >> >>>>> linked to loan creation (you are essentially storing details of > loan > >> >>>>> collaterals along with their value while creating a loan) > >> >>>>> > >> >>>>> For organizations which work extensively on collateral based loans > >> >>>>> (say > >> >>>>> gold loans etc) , this wouldn’t work well given some of the common > >> >>>>> business > >> >>>>> scenarios > >> >>>>> > >> >>>>> For ex: A walk-in customer would want to know the details of the > >> >>>>> loans > >> >>>>> he could get based on his collateral (so you are not really > looking > >> >>>>> to > >> >>>>> create this customer or his loan account in your MIS yet) > >> >>>>> > >> >>>>> > >> >>>>> At high level, we would probably need the following functionality > >> >>>>> > >> >>>>> 1) A set of API’s which define the collateral definitions, base > >> >>>>> price and > >> >>>>> quality standards (if applicable) > >> >>>>> > >> >>>>> So for example, If I were to create a Collateral definition for > >> >>>>> gold, I > >> >>>>> would set the base quantity as 1 gram and its price as say 30,000 > >> >>>>> Rupees > >> >>>>> I would then go ahead and define the different quality standards > for > >> >>>>> this > >> >>>>> Collateral, i.e 24K gold which is with the base price of the > >> >>>>> collateral, 22k > >> >>>>> gold which is worth 85% of the collateral price and so on. > >> >>>>> As the market rate of gold changes, I would update the base price > >> >>>>> and the > >> >>>>> same would be reflected for all quality standards which are > derived > >> >>>>> based on > >> >>>>> the base price > >> >>>>> > >> >>>>> 2) Loan product definition should allow capturing permissable > >> >>>>> Collateral > >> >>>>> types and the max asset percentage that can be sanctioned as the > >> >>>>> loan amount > >> >>>>> > >> >>>>> 3) We would also need functionality which would allow pledging a > >> >>>>> combination of different Collaterals and ascertain their market > >> >>>>> value. > >> >>>>> Based on the total value of all collaterals in a single pledge, > you > >> >>>>> would > >> >>>>> then determine the available loans and their max permissible > >> >>>>> disbursal > >> >>>>> amounts. Using this, a customer decided if he is interested in > >> >>>>> taking any of > >> >>>>> the loans... > >> >>>>> > >> >>>>> The details you would store for each collateral in a pledge would > be > >> >>>>> similar to: > >> >>>>> Gold with quality standard 22k and a gross weight of 24 grams and > a > >> >>>>> net > >> >>>>> weight of 20 grams (calculated by removing any stone weight etc) > >> >>>>> would have > >> >>>>> a system calculated value, based on this a user can provide an > >> >>>>> alternate > >> >>>>> value which is lesser than the system value. > >> >>>>> The user defined value overrides the system calculated value and > is > >> >>>>> used > >> >>>>> for all calculations... > >> >>>>> > >> >>>>> 4) After creating a customer, you would need API’s for > associating a > >> >>>>> pledge (where a pledge contains details of the collaterals he is > >> >>>>> pledging > >> >>>>> for a loan) with a customer and the ability to then create a loan > >> >>>>> account > >> >>>>> linked to this pledge > >> >>>>> > >> >>>>> Since the sequence of activities in purely collateral based > >> >>>>> organizations > >> >>>>> (where most customers are walk-in customers) is usually different > >> >>>>> from those > >> >>>>> of a regular organization (i.e you capture details of the pledge > >> >>>>> first and > >> >>>>> then if the customer agrees to you loan terms, you then proceed to > >> >>>>> create > >> >>>>> customer accounts, loan account etc) > >> >>>>> It might make sense to allow saving pledges first (independent of > >> >>>>> the > >> >>>>> customer) and then creating customers associated with these > pledges > >> >>>>> etc to > >> >>>>> better suit the real world workflows…... > >> >>>>> > >> >>>>> Just read and try to digest it and then we can discuss this ahead > >> >>>>> meanwhile feel free to mess with codes > >> >>>>> > >> >>>>> On Mon, Jul 4, 2016 at 10:15 AM karthik iyer > >> >>>>> <kar...@gm...> > >> >>>>> wrote: > >> >>>>>> > >> >>>>>> Hi, > >> >>>>>> > >> >>>>>> I am currently working as a Software Engineer for almost a year. > I > >> >>>>>> have experience in Java (Spring) ,AngularJS and some basic > >> >>>>>> knowledge > >> >>>>>> of MongoDB. > >> >>>>>> > >> >>>>>> Ya, I will setup the development environment by today and get > >> >>>>>> started > >> >>>>>> on a couple of introductory tasks. Looking forward to do some > great > >> >>>>>> work :) > >> >>>>>> > >> >>>>>> Thank You > >> >>>>>> Karthik > >> >>>>>> > >> >>>>>> On Mon, Jul 4, 2016 at 9:06 AM, Nayan Ambali > >> >>>>>> <nay...@gm...> > >> >>>>>> wrote: > >> >>>>>> > Hello Karthik, > >> >>>>>> > > >> >>>>>> > Welcome to community, I would like to know more about your > areas > >> >>>>>> > of > >> >>>>>> > interest > >> >>>>>> > and your skills. If you are developer then I would suggest you > to > >> >>>>>> > setup the > >> >>>>>> > development environment and work on few introductory tasks. > >> >>>>>> > > >> >>>>>> > mean will I will try to get the details for those module. > >> >>>>>> > > >> >>>>>> > Thanks > >> >>>>>> > Nayan Ambali > >> >>>>>> > > >> >>>>>> > > >> >>>>>> > > >> >>>>>> > Thanks and Regards, > >> >>>>>> > Nayan Ambali > >> >>>>>> > +91 9591996042 > >> >>>>>> > skype: nayangambali > >> >>>>>> > > >> >>>>>> > On Sun, Jul 3, 2016 at 10:56 PM, karthik iyer > >> >>>>>> > <kar...@gm...> > >> >>>>>> > wrote: > >> >>>>>> >> > >> >>>>>> >> Hi all, > >> >>>>>> >> > >> >>>>>> >> My name is Karthik Chandrasekaran. I am new to this community. > >> >>>>>> >> > >> >>>>>> >> I know most of the mentors must be busy with the GSOC > mentoring. > >> >>>>>> >> I > >> >>>>>> >> just needed some context on a couple of ideas given on your > >> >>>>>> >> ideas > >> >>>>>> >> list. > >> >>>>>> >> > >> >>>>>> >> Collateral Management Module > >> >>>>>> >> Mifos Based Social Enterprise > >> >>>>>> >> Insurance Claims Module > >> >>>>>> >> > >> >>>>>> >> In the description it is given that a plan in already in place > >> >>>>>> >> for > >> >>>>>> >> these ideas. If I could get some info on the exact expectation > >> >>>>>> >> from > >> >>>>>> >> there ideas then I could start some exploration in that > >> >>>>>> >> direction. > >> >>>>>> >> > >> >>>>>> >> Thanks > >> >>>>>> >> Karthik > >> >>>>>> >> > >> >>>>>> >> > >> >>>>>> >> > >> >>>>>> >> > >> >>>>>> >> > ------------------------------------------------------------------------------ > >> >>>>>> >> Attend Shape: An AT&T Tech Expo July 15-16. Meet us at AT&T > Park > >> >>>>>> >> in > >> >>>>>> >> San > >> >>>>>> >> Francisco, CA to explore cutting-edge tech and listen to tech > >> >>>>>> >> luminaries > >> >>>>>> >> present their vision of the future. This family event has > >> >>>>>> >> something > >> >>>>>> >> for > >> >>>>>> >> everyone, including kids. Get more information and register > >> >>>>>> >> today. > >> >>>>>> >> http://sdm.link/attshape > >> >>>>>> >> Mifos-developer mailing list > >> >>>>>> >> mif...@li... > >> >>>>>> >> Unsubscribe or change settings at: > >> >>>>>> >> https://lists.sourceforge.net/lists/listinfo/mifos-developer > >> >>>>>> > > >> >>>>>> > > >> >>>>>> > > >> >>>>>> > > >> >>>>>> > > >> >>>>>> > > ------------------------------------------------------------------------------ > >> >>>>>> > Attend Shape: An AT&T Tech Expo July 15-16. Meet us at AT&T > Park > >> >>>>>> > in > >> >>>>>> > San > >> >>>>>> > Francisco, CA to explore cutting-edge tech and listen to tech > >> >>>>>> > luminaries > >> >>>>>> > present their vision of the future. This family event has > >> >>>>>> > something > >> >>>>>> > for > >> >>>>>> > everyone, including kids. Get more information and register > >> >>>>>> > today. > >> >>>>>> > http://sdm.link/attshape > >> >>>>>> > Mifos-developer mailing list > >> >>>>>> > mif...@li... > >> >>>>>> > Unsubscribe or change settings at: > >> >>>>>> > https://lists.sourceforge.net/lists/listinfo/mifos-developer > >> >>>>>> > >> >>>>>> > >> >>>>>> > >> >>>>>> > ------------------------------------------------------------------------------ > >> >>>>>> Attend Shape: An AT&T Tech Expo July 15-16. Meet us at AT&T Park > in > >> >>>>>> San > >> >>>>>> Francisco, CA to explore cutting-edge tech and listen to tech > >> >>>>>> luminaries > >> >>>>>> present their vision of the future. This family event has > something > >> >>>>>> for > >> >>>>>> everyone, including kids. Get more information and register > today. > >> >>>>>> http://sdm.link/attshape > >> >>>>>> Mifos-developer mailing list > >> >>>>>> mif...@li... > >> >>>>>> Unsubscribe or change settings at: > >> >>>>>> https://lists.sourceforge.net/lists/listinfo/mifos-developer > >> >>>>> > >> >>>>> > >> >>>>> > >> >>>>> > >> >>>>> > ------------------------------------------------------------------------------ > >> >>>>> Attend Shape: An AT&T Tech Expo July 15-16. Meet us at AT&T Park > in > >> >>>>> San > >> >>>>> Francisco, CA to explore cutting-edge tech and listen to tech > >> >>>>> luminaries > >> >>>>> present their vision of the future. This family event has > something > >> >>>>> for > >> >>>>> everyone, including kids. Get more information and register today. > >> >>>>> http://sdm.link/attshape > >> >>>>> Mifos-developer mailing list > >> >>>>> mif...@li... > >> >>>>> Unsubscribe or change settings at: > >> >>>>> https://lists.sourceforge.net/lists/listinfo/mifos-developer > >> >>>> > >> >>>> > >> >>>> > >> >>>> > >> >>>> > >> >>>> > ------------------------------------------------------------------------------ > >> >>>> What NetFlow Analyzer can do for you? Monitors network bandwidth > and > >> >>>> traffic > >> >>>> patterns at an interface-level. Reveals which users, apps, and > >> >>>> protocols > >> >>>> are > >> >>>> consuming the most bandwidth. Provides multi-vendor support for > >> >>>> NetFlow, > >> >>>> J-Flow, sFlow and other flows. Make informed decisions using > capacity > >> >>>> planning > >> >>>> reports.http://sdm.link/zohodev2dev > >> >>>> Mifos-developer mailing list > >> >>>> mif...@li... > >> >>>> Unsubscribe or change settings at: > >> >>>> https://lists.sourceforge.net/lists/listinfo/mifos-developer > >> >>> > >> >>> > >> >>> > >> >>> > >> >>> > ------------------------------------------------------------------------------ > >> >>> What NetFlow Analyzer can do for you? Monitors network bandwidth and > >> >>> traffic > >> >>> patterns at an interface-level. Reveals which users, apps, and > >> >>> protocols are > >> >>> consuming the most bandwidth. Provides multi-vendor support for > >> >>> NetFlow, > >> >>> J-Flow, sFlow and other flows. Make informed decisions using > capacity > >> >>> planning > >> >>> reports.http://sdm.link/zohodev2dev > >> >>> Mifos-developer mailing list > >> >>> mif...@li... > >> >>> Unsubscribe or change settings at: > >> >>> https://lists.sourceforge.net/lists/listinfo/mifos-developer > >> > >> > >> > ------------------------------------------------------------------------------ > >> What NetFlow Analyzer can do for you? Monitors network bandwidth and > >> traffic > >> patterns at an interface-level. Reveals which users, apps, and protocols > >> are > >> consuming the most bandwidth. Provides multi-vendor support for NetFlow, > >> J-Flow, sFlow and other flows. 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