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From "Santosh Math (JIRA)" <>
Subject [jira] [Updated] (FINERACT-355) Issues with Adding and Removing Guarantors for a loan account
Date Mon, 13 Feb 2017 11:54:41 GMT


Santosh Math updated FINERACT-355:
    Labels: p3  (was: )

> Issues  with  Adding and Removing Guarantors for a loan account
> ---------------------------------------------------------------
>                 Key: FINERACT-355
>                 URL:
>             Project: Apache Fineract
>          Issue Type: Bug
>          Components: Loan
>            Reporter: Santosh Math
>            Assignee: Markus Geiss
>            Priority: Minor
>              Labels: p3
> Steps to reproduce:
> 1. Create a loan product(Principal:10000, interest rate:1% per month, repaid every one
month, number of repayments;12) with two guarantors self and external:
>    In Loan  product: check 'Place Guarantee Funds on-hold'
>    Mandatory guarantee 40%
>    Minimum guarantee from own funds: 20%
>    Minimum guarantee from guarantor funds: 20%
> 2. Create a loan account for a client with  this  product. Just submit it.  Don't approve
> 3. Add two guarantors self and external with guarantee of 2000 each.(Each guarantor should
 have savings account  with balance at least 200)
> 4. Approve and  Disburse the  loan.
> 5. After Disbursal, Add 2nd 'Self' guarantor (self guarantor should have two savings
> 6. Remove first self guarantor which had been added before loan approval.
> 7. Withdraw all the money from 2nd self guarantor.
> >>Here, the application allows the 7th step, which it shouldn't be as repayments
haven't done yet. 
> Another issue is, consider there are only two guarantors self and external.
> Let's client make all the repayments. Now, both self and external guarantors  can withdraw
 even their minimum guarantee amount. After their withdrawal, we can undo all the repayments.
> Expected Result: Undoing of repayments should not be allowed for the loan account having

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