Add new repayment strategy for loans

[lingalamadhukar]

DB script for new strategy

[lingalamadhukar]

Added new repayment strategy which will take the payments in the following order.
Overdue interest,overdue principal,overdue penalty and overdue fee

[keithwoodlock]

@lingalamadhukar, @vishwasbabu,

Is there a related JIRA issue for this. Just want to understand the difference of this new repayment strategy and any attempt at doing a RBI compliant one. Is this for GK-maarg?

[lingalamadhukar]

@keithwoodlock The new repayment strategy considers the payments in overdue interest(i.e. it will take all overdue interest first, before taking first overdue principal), overdue principal, overdue penalties and overdue fees order. I'm not sure how the RBI strategy works, I have added this repayment strategy based on Maarg's requirements.
Will check with @vishwasbabu and Binny about the RBI strategy.
In Mifos we have a flag 'OverdueInterestPaidFirst', this new strategy will do the same here and also will create an issue in JIRA for this.

[keithwoodlock]

@lingalamadhukar,

Thanks. It just sounds very similiar and just double checking. RBI says that you must pay off overdue interest + current interest, overdue prinicpal + current principal etc

[vishwasbabu]

@lingalamadhukar

Can you confirm that you still need this pull request to be merged? If so, can you create a Jira and add details of what exactly this repayment strategy does over and beyond RBI strategy)

[vishwasbabu]

closing off this pr with a link to the same at https://github.com/openMF/mifosx/wiki/Links-to-unmerged-PR's-of-interest till the need for the new stratergy is explained