Hi SAP Community Members,
Currently we are using Loans Management component to create consumer loans, with very simple conditions. However we are having trouble trying to use standard CML functionality to represent a different business scenario.
In the current scenario loans are given to employees of different partner companies, and loans are paid when these partner companies discount certain amounts from their employees paycheks.Trouble is that partner companies inform of these salary deductions vía electronic media, but cash flow may actually be received a considerable time afterwards.
Currently what is being done is that when electronic advice of salary deductions is received, it is read by a z program, which applies payments to loans vía manual bank statement. This is necesarry because if salary deduction has been informed, it must be reflected in the loan account statement, regardless of actual cash payment.
Basically what we do then is to debit a receivables account for the same amount of the loan payment, so that the company can still have an open item in accounting for the cash payment that partner companies still have to make.
While this is a solution, the problem is that when we debit the GL account we've lost all connection between that amount that is due by partner companies and the actual loan, namely if we need for some reason to reverse this payment we could not do it only via a FS CML business operation, we would need to reverse the FI document that we created afterwards.
Has anyone used standard functionality for a similar scenario?
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