a stuck-payment fix, and a Quick Loan wallet safeguard

Summary

An online payment that gets stuck mid-process will be automatically recovered and credited instead of leaving a confirmed payment uncollected, and a Quick Loan wallet's balance will be protected while a settlement is in progress, alongside a cluster of loan closure fixes and a run of smaller improvements.

Coming soon

An online collection payment that gets stuck mid-process will be automatically recovered and credited, instead of leaving a confirmed payment uncollected.
A Quick Loan wallet's balance will be reserved while a settlement is in progress, so it can no longer be spent before the settlement completes.
A fully paid loan will auto-close instead of staying marked Overpaid, and the installment schedule will stop showing a negative balance after a backdated repayment with a waived charge.
A group member without direct SACCO registration will be assignable a branch, so their loan repayments can be processed at the teller.
The Guarantor report will support filtering to a single guarantor.
Switching the financial year in Accounting will be able to apply to just the user doing it, instead of moving every other user in the SACCO to that year too.
A bulk SMS sent from a message template will no longer send literal placeholder text instead of the recipient's actual name.
A migrated loan account incorrectly showing a negative outstanding balance, which blocks repayments, will be corrected.
Editing a loan policy charge configured as a percentage will no longer be blocked by an incorrect fixed-fee display.
A sector picked on a loan application will show correctly on the Loan Summary once the loan is approved, instead of a blank value.

What this means for you

Nothing here needs preparation yet.

Contents may change until it ships.