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Groups and Individual Lending
A: Groups can have loans, savings and insurance (where group membership is clear but subamounts are not tracked for repayments).
B: Individuals alone can have loans, savings, and insurance.
C: Individuals within groups can have loans, savings, and insurance (grameen style - track both individual payments and group payments)
Conditionals (examples of logic sketch below)
Individuals may be part of a group and participate in group accounts and have independent accounts as well.
Groups with individuals can have both.
Start with:
A | B | both A/B | A not B | B not A
Add the C:
ABC? | AB not C | AC not B | BC not A | A not BC (self help groups?) | B not AC (post office banks) | C not AB (default) | AC not B (unlikely) |
"|" means or in the sense of mutually exclusive concept within the system, but the system will be the sum of all options.
Implementing this in a system
The manner in which an organization combines these different models is part of the definition of the methodology used. Some, but not many, are mutually exclusive.
A delivery pipeline is a good analogy to use to think about how to issue products to these clients. Multiple or many pipelines may be needed to differentiate and support the concept that you have a mixture of types of pipelines to the clients - as individuals and as members of a group.
-- JamesDailey - 08 Apr 2005
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