Configure rules based on how you want to determine a client's status.

Path: Navigate to Setup > Clients > Status Workflow Batch Rule > Add

3.1. Overdue Rule

This rule applies when a client has unpaid installments that are already due.

• Give the rule a description, such as "Overdue."
• Set theRule Type to"Negative."
• Enable the rule.
• Select "Loans have overdue instalments."
• If you want to apply a grace period, select "Use loan late payment grace period."

3.2. Inactive Client Rule

This rule identifies clients with no transactions for a specified number of months.

• Give the rule adescription, for example: "Inactive."
• Set theRule Type to"Special."
• Enable the rule.
• Select"client is inactive."
• Specify the number of months for which there must be no transactions (e.g., 3).
• If you do not want to take action (like handing over to a debt collector) even if the client has a balance, select "Client has a balance."

3.3. Good Client Rule

This rule identifies clients who have consistently paid their loans on time for a specific period.

• Give the rule a description, for example: "Good Payer."
• Set the Rule Type to "Positive."
• Enable the rule.
• Select "All loans paid on time."
• Define the number of months the client must have paid their loans on time (e.g., 3).

3.4. Bad Debt Rule

This rule applies when a client's unpaid installments are significantly in arrears, indicating an inability to pay, and the debt may need to be written off.

• Give the rule a description, for example: "Bad Debt."
• Set the Rule Type to "Negative."
• Enable the rule.
• Select "Loans have overdue instalments."
• Select "Write off overdue loans as bad debt."
  • This feature is available from v13.3.
• Specify the number of days that the loans must be in arrears (e.g., 120).
• If you want to email a notification along with the status change (as required by NCA regulations 20 business days prior to submitting an adverse status to the credit bureau), select "MAXMAIL notify client of adverse status."
  • This feature is available from v13.4. The MAXMAIL module must be enabled, and you must have sufficient email credits to use this feature. Contact support for assistance or more information.
• Note: Loans typically prescribe after 3 years.

3.5. New Client Rule

This rule applies to clients newly loaded onto the system who have not yet had a loan.

• Give the rule a description, for example: "New."
• Set the Rule Type to "Special."
• Enable the rule.
• Select "Client is New."