Path: Setup > Clients > General

This section defines the standard settings that will apply to all clients (debtors/borrowers) within a specific Legal Entity in the system.

Access: You can grant access to these settings under Setups > Security > Role > Setup: Client General.

Client Setup

• Percentage of Salary Available for Instalment: Enter the default percentage of a client's salary that's available for each installment. This is a required field. You can use this option or the budget feature.
  • RSA Note: South African affordability guidelines recommend a Debt Repayment to Income Cap of 40%.
• Initial Status: Choose the default client status for newly added clients.
• Payback Type: Select the default payback type for new clients.
• Historically Disadvantaged Person: Specify if this box should be automatically selected for new clients. This refers to natural persons who, before the Constitution of the Republic of South Africa 1993 (Act No. 200 of 1993) came into operation, were disadvantaged by unfair discrimination based on race.
• Print Standard Conditions: Select this box if you want to print a one-time set of standard terms and conditions for each client. These terms and conditions will print with the client's next new loan. The document setup is under Setups > Documents. To reset printing, unselect the box on the client's profile.
• Always Print Standard Conditions with every Loan Agreement: Selecting this option will override your "Print Standard Conditions" setup. The standard conditions document will be generated with every new loan.
• Use Employer Payback Fields: When selecting an employer for a client, the system will ask if you wish to use the same payback details as configured for that employer.
• Force Credit Control: Select this box to enable and enforce the credit control setups within the Workflow module.
• Ignore Client Marketing Consent: Selecting this option will disregard the marketing consent setting on the client's profile (Edit Client > Other Details > Privacy > Marketing Consent) when the system generates client marketing material (e.g., Processing > Client > Process Client Marketing).

Affordability

• Use Client Budget: Selecting this option will enable the "Use Client Budget" option for each new client, requiring a budget to be created before a loan can be granted. The "available for installment" amount on the budget will override the "Percentage of Salary Available for Instalment."
• Initial Budget Setup: Choose one of four options:
  • Standard
  • NCR
  • NCR below budget
  • NCR Detail budget Selecting an NCR option will, by default, enable the use of the NCA (National Credit Act) Guidelines for Affordability Assessment. NCR budget types are only applicable in South Africa.
• Force Client Budget Validity Period: Select this checkbox if you want to prevent new loans from being created unless a new budget has been completed for the client.
• Client Budget Validity Period Days: Specify the number of days a new client budget remains valid.

Notifications

• Show Client Warnings: When this checkbox is enabled, the system will display warning messages at the start of the loan creation process for the user.
• No. of Days to Check New Loans: Indicate the number of days the system should check for active loans. The number of loans within this period will be displayed in the client warning.
• Minimum Allowed Age: Define the minimum age requirement for a client. The client's date of birth will be used to calculate if they fall within the allowed age range.
• Maximum Allowed Age: Define the maximum allowed age for a client. The client's date of birth will be used to calculate if they fall within the allowed age range.
• Warn user if there are Diary Notes: Select this checkbox if the system should warn the user about existing diary notes for the client.
• No. of Days to check Diary Notes: Specify the number of days the system should check for any diary notes.
• Check MaxUp Registration on Client: Enabling this option will display a warning before creating a new loan if a MAXUP product has not been allocated to the client's profile. "Show Client Warnings" must also be enabled for this function to work.

Statements

• Receive Monthly Statements: Select this box to enable automatic monthly statement sending to clients. Ensure the MAXMAIL module is activated and sufficient email credits are available.
• Statement Send Day: Enter the day of the month (1-31) when statements should be sent. Statements for the previous calendar month will be sent on this day.
• Statement File Format: The following formats are available: HTML, XLS, and PDF.
• Client statuses Allowed for Statement: If you want statements to be sent only to clients with specific statuses, you can configure it here.
• Statement Minimum Amount: If you only want to send statements to clients with an outstanding amount above a specific value, you can specify it here.
• Legal Entity Address for Statement: You can specify whether the statement feature should use the Legal Entity's or the Branch's address.

Creation of Setup

• Record Date: The date when the details were captured.
• Record Time: The time when the details were captured.
• Record User: The user who recorded the details.

Buttons

• Save: Click to permanently store the information.
• Cancel: Click to discard any changes and return to the previous screen.