Disbursements

Disbursements records the release of approved loan funds and the channel used (bank transfer, cash, or M-Pesa B2C). Each disbursement posts the loan principal to the member and triggers schedule generation, enforcing that only fully approved loans are paid out.

Workflow

Select an approved loan awaiting disbursement.
Confirm the disbursement amount, value date and payment channel.
Capture bank or mobile-money payout reference for reconciliation.
Validate to post the disbursement journal entry and generate the repayment schedule.
Verify the loan moves to Active state.

Fields reference

Every field on this screen, drawn from the live data model.

Field	Type	Required	Description
Loan `loan_id`	Link → mfi.loan	Yes	Loan
Disbursement Amount `amount`	Money	Yes	Disbursement Amount
Disbursement Date `disbursement_date`	Date	Yes	Disbursement Date
Channel `channel`	Choice: Cash, Bank Transfer, Cheque, Mobile Money, Credit to Savings	Yes	Channel
Status `state`	Choice: Draft, Pending Confirmation, Disbursed, Cancelled	Yes	Status
Has Message `has_message`	Yes/No	—	Has Message
Voucher Number `name`	Text	—	Voucher Number
Member `member_id`	Link → mfi.member	—	Member
Branch `branch_id`	Link → mfi.branch	—	Branch
Currency `currency_id`	Link → res.currency	—	Currency
Net Amount `net_amount`	Money	—	Net Amount
Fee Deductions `fee_deductions`	Money	—	Fee Deductions
Reference `reference`	Text	—	Reference
Bank Account `bank_account`	Text	—	Bank Account
Mobile Number `mobile_number`	Text	—	Mobile Number
Created By `disbursed_by`	Link → res.users	—	Created By
Confirmed By `confirmed_by`	Link → res.users	—	Confirmed By
Confirmed On `confirmed_date`	Date & time	—	Confirmed On
Notes `notes`	Long text	—	Notes
Company `company_id`	Link → res.company	—	Company
Tranche # `tranche_number`	Number	—	Tranche #
Conditions for Release `conditions_for_release`	Long text	—	Conditions for Release
Parent Tranche `parent_disbursement_id`	Link → mfi.loan.disbursement	—	Parent Tranche
Target Savings Account `target_savings_account_id`	Link → mfi.savings.account	—	Target Savings Account
Savings Txn `savings_txn_id`	Link → mfi.savings.transaction	—	Savings Txn
M-Pesa Conversation ID `mpesa_conversation_id`	Text	—	M-Pesa Conversation ID
M-Pesa Originator ID `mpesa_originator_id`	Text	—	M-Pesa Originator ID
M-Pesa Transaction ID `mpesa_transaction_id`	Text	—	M-Pesa Transaction ID
M-Pesa State `mpesa_state`	Choice: Not Sent, Requested, Queued, Completed, Failed, Timeout	—	M-Pesa State
Journal Entry `move_id`	Link → account.move	—	Journal Entry

Actions & buttons

Buttons available on this screen and what they do:

Submit for Confirmation
Confirm Disbursement
Send via M-Pesa B2C
Cancel

Status lifecycle

Records on this screen move through these statuses:

Draft → Pending Confirmation → Disbursed → Cancelled

Notes & rules

Model: mfi.loan.disbursement.
Channels: bank, cash, M-Pesa B2C.
Posts principal to the loan account and starts the amortisation schedule.
Two-person control: disbursement follows committee/approval sign-off.

Technical model: mfi.loan.disbursement · Record: Loan Disbursement