This program allows the user to firstly calculate the details of a loan application and secondly to printout the relevant documentation. The loan application has been separated into various different sections. Along the top of your screen are various shortcuts to these sections, all of which do not necessarily need to be completed.
The loan calculator, like most programs in the Curtains suite, has been programmed in such a way, that the enter key should be used to navigate through the application, with ease, helping you complete the application and make your way through the shortcuts in a logical manner. NB If you do not want to action a particular shortcut use the cursor key to move to the next one.
Having launched this program the members details will be populated, so the all important initial steps are (a) enter loan application date (b) choose the required loan product and (c) leave the loan field blank, to be automatically completed by Curtains at the end of the application or complete this box manually, should you have pre determined loan application numbers. NB With auto complete, you can have a choice of a single range of numbers for all applications.
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It is possible to add a diary message onto the members account at this stage. It may be useful to create a diary record at this point, recording that the member has made a loan application. |
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If your member has their loan repayments taken via their payroll deduction, it may then be necessary to revise how their payroll deduction is made. This allows you to amend how that money is distributed. |
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This section will be automatically filled in based on the "Home address" details stored within member maintenance. It is possible to alter the details at this point if the address has since changed and not been updated. Changes made at this point and then saved, will automatically update the "Home address" details displayed within member maintenance. |
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This section will be automatically filled in based on the "Work address" details stored within member maintenance. It is possible to alter the details at this point if the address has since changed and not been updated. Changes made at this point and then saved, will automatically update the "Work address" details displayed within member maintenance. |
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If it is your policy to calculate the members disposable income before completing the loan application or you wish to capture this information at the time of application use this shortcut for assistance. Simply enter the values for the members income/expenditure within the appropriate fields and Curtains will show overall totals for their:
Figures can be entered based on either a "weekly" or "monthly" basis. |
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The overall loan value can be split up into 8 different payments. (e.g. 2 cheques and the remainder to their share account.) |
Once you have completed the various sections, click the button. At this point you are given the option to print the various documents tied to the product which the loan will be allocated to. Simply the desired documents and click the .
Tip: Hesitate over document title for document name. Taking a screen print for your own records can be very useful. (last option)
In order to associate loan documentation with a product you must do the following
Simply click on the row of the desired printer under the appropriate column heading. An "X" will be placed in the grid indicating which printer will print which document.
Within Product maintenance click the button, and fill in the following fields.
This corresponds to the printers listed at Step 1
The document itself can be a choice of either a Crystal Report or a Microsoft Word document. If you opt for a Word document, you must have completed loan agreement field maintenance first. The printing concept is similar to that adopted in the letter writing part of member enquiry.