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Posted to issues@fineract.apache.org by "Aman-Mittal (via GitHub)" <gi...@apache.org> on 2026/10/16 07:58:05 UTC
[I] Working Capital loan product: add GL account mappings, charge-off/write-off reason mappings and payment allocation [fineract-backoffice-ui]
Aman-Mittal opened a new issue, #775:
URL: https://github.com/apache/fineract-backoffice-ui/issues/775
## Summary
The Working Capital loan product form sets only `accountingRule`. It never captures the GL accounts that the rule posts to. A product saved with an accrual or cash rule therefore has no portfolio, income, write-off or fund-source accounts configured from this UI. Accounting for the product has to be fixed through the API before any transaction can post correctly.
## Evidence (`main` @ `8da1086f`)
`src/app/features/working-capital/loan-products/wc-loan-product-form.component.ts` contains `accountingRule` (7 references). It has no `*AccountId` field, no `writeOffReasonsToExpenseMappings`, no `chargeOffReasonToExpenseAccountMappings`, no `paymentChannelToFundSourceMappings` and no payment-allocation section.
## Platform support
`POST` / `PUT /v1/working-capital-loan-products[/{id}]` accept the following (see the Working Capital product constants in `fineract-working-capital-loan`):
- **Asset / liability accounts:**
- `fundSourceAccountId`, `loanPortfolioAccountId`, `transfersInSuspenseAccountId`
- `receivableFeeAccountId`, `receivablePenaltyAccountId`
- `overpaymentLiabilityAccountId`, `deferredIncomeLiabilityAccountId`
- **Income accounts:**
- `incomeFromFeeAccountId`, `incomeFromPenaltyAccountId`, `incomeFromDiscountFeeAccountId`, `incomeFromRecoveryAccountId`
- `incomeFromChargeOff{Fees,Interest,Penalty}AccountId`
- `incomeFromGoodwillCredit{Fees,Interest,Penalty}AccountId`
- **Expense accounts:** `writeOffAccountId`, `chargeOffExpenseAccountId`, `chargeOffFraudExpenseAccountId`, `goodwillCreditAccountId`.
- **Advanced mappings:**
- `paymentChannelToFundSourceMappings`, `feeToIncomeAccountMappings`, `penaltyToIncomeAccountMappings`
- `chargeOffReasonToExpenseAccountMappings`, `writeOffReasonsToExpenseMappings`
- **Payment allocation rules** (`paymentAllocation`): the order in which a repayment settles fees, penalties and principal.
The product template returns the selectable GL account options.
## Proposed implementation
- Add an **Accounting** section that appears when the rule is not *None*. Reuse the shared GL-account select and the advanced-mapping editors already used by the regular loan product form (#288 / #289 / #290 / #294). Mark the accounts the chosen rule requires as required.
- Add a **Payment allocation** section using the existing `payment-credit-allocation-editor`.
- Prefill both sections on edit, and show them on the product view.
## RBAC
| Action | Permission code | Typically granted to |
|---|---|---|
| View product (incl. mappings) | `READ_WORKINGCAPITALLOANPRODUCT` | product managers, accountants, auditors |
| Create product | `CREATE_WORKINGCAPITALLOANPRODUCT` | product manager |
| Edit product / mappings | `UPDATE_WORKINGCAPITALLOANPRODUCT` | product manager together with finance / accounting |
| Choose GL accounts | the product payload carries the ids; listing accounts needs `READ_GLACCOUNT` | accountant |
The GL account picker loads `/glaccounts`. A user who holds `UPDATE_WORKINGCAPITALLOANPRODUCT` but not `READ_GLACCOUNT` must get a clear message ("you need GL account read access to edit accounting"), not an empty select.
### How Fineract evaluates these permissions
- A write passes with the exact code **or** `ALL_FUNCTIONS`. Reads pass with `ALL_FUNCTIONS_READ`.
- Codes are in `scripts/permission-codes.json`.
### UI expectations
- Existing routes are already guarded on `CREATE_` / `UPDATE_WORKINGCAPITALLOANPRODUCT`. Keep those guards.
- Gate the accounting section's data load on `READ_GLACCOUNT`.
## Acceptance criteria
- [ ] An accrual-based Working Capital product can be created with all required GL accounts and advanced mappings, and a disbursement and repayment then post journal entries.
- [ ] Payment allocation can be set and is honoured.
- [ ] Edit prefills every mapping.
- [ ] The missing-`READ_GLACCOUNT` case is handled clearly.
- [ ] Unit tests cover the payload for each accounting rule and the prefill.
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Re: [I] Working Capital loan product: add GL account mappings, charge-off/write-off reason mappings and payment allocation [fineract-backoffice-ui]
Posted by "Aman-Mittal (via GitHub)" <gi...@apache.org>.
Aman-Mittal commented on issue #775:
URL: https://github.com/apache/fineract-backoffice-ui/issues/775#issuecomment-6211175990
## Business process flow
```mermaid
flowchart LR
A["Product manager<br/>CREATE or UPDATE_WORKINGCAPITALLOANPRODUCT"] --> B["Details and terms"]
B --> C{"Accounting rule"}
C -- None --> F["Payment allocation"]
C -- "Cash or Accrual" --> D{"READ_GLACCOUNT?"}
D -- No --> DX["Explain: GL read access needed"]
D -- Yes --> E["Map GL accounts<br/>assets, income, expense, liabilities"]
E --> E2["Advanced mappings<br/>payment channel to fund source<br/>fee and penalty to income<br/>charge-off and write-off reason to expense"]
E2 --> F
F --> G["Review and save"]
G --> H["Loans post journal entries correctly"]
```
## UI mockup
```text
┌ Working Capital Product · Accounting ─────────── Rule: (•) Accrual ( ) Cash ( ) None ┐
│ ASSETS │
│ Fund source * [ 10100 Cash at bank ▾ ] │
│ Loan portfolio * [ 12000 WC loan portfolio ▾ ] │
│ Fees receivable * [ 12100 Fees receivable ▾ ] │
│ INCOME │
│ Income from fees * [ 40100 Fee income ▾ ] │
│ Income from discount fee * [ 40150 Discount fee income ▾ ] │
│ Income from recovery * [ 40900 Recoveries ▾ ] │
│ EXPENSES │
│ Losses written off * [ 60100 Loan losses ▾ ] │
│ Charge-off expense * [ 60110 Charge-off expense ▾ ] │
│ LIABILITIES │
│ Overpayment liability * [ 21000 Overpayments ▾ ] │
│ ▸ Advanced mappings │
│ Payment channel → fund source [+ Add] │
│ Charge-off reason → expense [+ Add] Fraud → 60120 │
│ Write-off reason → expense [+ Add] │
├ Payment allocation ───────────────────────────────────────────────────────┤
│ 1. Penalty 2. Fee 3. Principal (drag to reorder) │
└───────────────────────────────────────────────────────────── [Save] ──────┘
```
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Re: [I] Working Capital loan product: add GL account mappings, charge-off/write-off reason mappings and payment allocation [fineract-backoffice-ui]
Posted by "Aman-Mittal (via GitHub)" <gi...@apache.org>.
Aman-Mittal closed issue #775: Working Capital loan product: add GL account mappings, charge-off/write-off reason mappings and payment allocation
URL: https://github.com/apache/fineract-backoffice-ui/issues/775
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