Interest Analysis

Interest Analysis examines interest accrued and posted across savings and term-deposit products - total interest expense, average rates and distribution by product and period. It helps management understand the cost of deposits and verify interest is being applied correctly.

Workflow

Open Savings > Reports > Interest Analysis.
Pivot the interest schedule by product or period.
Measure total interest and compare across products.
Graph the trend to track interest expense over time.
Drill into the schedule lines behind any figure.

Fields reference

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

Field	Type	Required	Description
Account `account_id`	Link → mfi.savings.account	Yes	Account
Period Start `period_start`	Date	Yes	Period Start
Period End `period_end`	Date	Yes	Period End
Has Message `has_message`	Yes/No	—	Has Message
Member `member_id`	Link → mfi.member	—	Member
Branch `branch_id`	Link → mfi.branch	—	Branch
Currency `currency_id`	Link → res.currency	—	Currency
Company `company_id`	Link → res.company	—	Company
Product `product_id`	Link → mfi.savings.product	—	Product
Average Balance `average_balance`	Money	—	Average Balance
Rate Applied (%) `rate_applied`	Decimal	—	Rate Applied (%)
Interest Calculated `interest_calculated`	Money	—	Interest Calculated
Interest Posted `interest_posted`	Money	—	Interest Posted
Posting Date `posting_date`	Date	—	Posting Date
Status `state`	Choice: Accrued, Posted, Reversed	—	Status

Status lifecycle

Records on this screen move through these statuses:

Accrued → Posted → Reversed

Notes & rules

Analysis over mfi.savings.interest.schedule.
Quantifies interest expense by product and period.
Used to monitor the cost of deposit funding.

Technical model: mfi.savings.interest.schedule · Record: Savings Interest Schedule