This topic describes the Loans and Finances details page, which displays important information related to the Islamic finance account.

It displays an important information pertaining to Islamic Finance account such as the net outstanding balance and the names of all the account holders, important dates associated with the Islamic Finance such as the opening date and maturity date, the current status, profit rate and the branch in which the finance is held. User can access account related transactions from the kebab menu.

• Account Details – This section displays the basic details about the loans and finances accounts such as the account number, current status, net outstanding balance, maturity date, product name, nickname, etc.
• Repayment – This section displays repayment details that comprise amount repaid till date, repayment mode and the profit rate for advance payment, profit rate for late payment, total installments, the number of installments remaining as well as the next installment date and amount, amount of principal arrears, installment arrears, bank profit due and any other fees applicable etc.
• Loan Specifications – This section comprises of information such as the opening date, financed amount, financed amount disbursed, finance tenure, profit rate, profit rate for late payment, profit rate for advance payment, purpose of financing etc.
• General Details - This section displays the general details like customer ID, customer name, account name, and account branch.

To view loan account details:

1. Perform anyone of the following navigation to access the Loan and Finance Details screen.
   • From the Dashboard, click Toggle menu, click Menu, then click Accounts, and then click Corporate Loans and Finances . Under Corporate Loans and Finances , click Overview, click on the Loan Account Number link of the Loan and Finance Summary.
   • From the Search bar, type Corporate Loans – Loans and Finance Details
   • The Loans and Finances widget of the Dashboard, click on the Loan Account Number link of the Loan and Finance Summary.
   • Access through the kebab menu of transactions available under the Loan and Finances module.

   The Loan and Finance Details screen appears.

2. From the account number list, select the loan account of which you wish to view details.
   The details of the selected loan appears on the Loan and Finance Details screen appears.

   Figure 3-1 Loan and Finance Details

   
   

   
   Description of "Figure 3-1 Loan and Finance Details"

   
   

   Note:

   The fields which are marked as Required are mandatory.

   For more information on fields, refer to the field description table.

   Table 3-1 Loan and Finance Details - Field Description

   Field Name	Description
   Account Number	All the financing accounts of the user will be listed in a drop-down in masked format along with nicknames, if defined. The user can select the account of which details are to be viewed. The account number will be masked as per account number masking configurations.
   Status	The current status of the loan account.
   Net Outstandings Balance	The total amount outstanding on the finance is displayed here.
   Maturity Date	The date on which the finance account will mature.
   Product Name	The name of the product under which the finance account is opened.
   Nickname	Displays the nickname set for the finance account. For more information, refer Account Nickname.
   Repayment Details
   Amount Re-paid till Date	Total finance amount repaid by the customer till date.
   Repayment Mode	The mode through which finance repayments are to be made as set up in the processing system. For e.g. repayments could be made via account transfer, direct debit or cheque.
   Total Installments	The total number of scheduled payments to be made towards repaying the finance.
   Remaining Installments	The number of scheduled payments remaining towards repaying the finance completely.
   Next Installment Date	The date on which the next finance payment is due.
   Next Installment Amount	Amount to be paid as next installment.
   Payment Frequency	Intervals at which the principal is to be repaid. It could be: Daily Weekly One Time Payment monthly Bi monthly quarterly semi-annually annually
   Bank Profit Due	Outstanding profit to be repaid.
   Principal Arrears	Outstanding principal balance on the financing account as on date.
   Installment Arrears	Pending profit arrears for the financing account.
   Advance Payment Amount	Amount paid in advance. Note: This field appears only for certain product.
   Other Fees	Fees and service charges applied on the financing account.
   Loan Specifications
   Opening Date	Date on which the Islamic Finance account was opened.
   Financed Amount	The amount of finance that bank has agreed to provide to the user/s.
   Total Amount Disbursed	Total amount disbursed along with the currency till date.
   Financing Tenure	Tenure of the financing or duration, in years and months, for which the financing amount is sanctioned.
   Profit Rate	Profit rate applicable to the account. Note: It displays the net Profit rate applicable to the loan account as on the inquiry date.
   Profit Rate Late Payment	The percentage rate charge applicable in case of default in repayment.
   Profit Rate Advance Payment	The percentage charge applicable in case the loan is prepaid.
   Purpose of Financing	Purpose for which finances has been taken.
   Customer Grace Period And Frequency	Customer grace period and frequency. Note: This field appears only for certain product.
   Supplier Grace Period And Frequency	Supplier grace period and frequency. Note: This field appears only for certain product.
   Linked Murabha bill	The bill reference number associated with Murabha finance contract.
   Bank Profit Share	Bank profit share (percentage) details (the percentage of profit that the bank gets in case of a profitable return in certain accounts). Note: This field appears only for certain product.
   Customer profit Share	Customer profit share (percentage) details (the percentage of profit that you get in case of a profitable return in certain accounts). Note: This field appears only for certain product.
   Lease Type	Type of the lease. Note: This field appears only when the selected account is opened under certain products.
   Lease Payment Mode	Type of payment mode opted. Note: This field appears only when the selected account is opened under certain products.
   Bank Share	Finance sharing ratio of the bank. Note: This field appears only for certain product.
   Customer Share	Customer finance sharing ratio on Musharaka account.
   General Details
   Customer ID	Displays the customer ID of which the account belongs to.
   Customer Name	Displays the customer name.
   Account Branch	Details of the branch at which the loan account is held.

   The following actions can also be performed from this page:

   • Add account nickname/ modify/ delete nickname. For more information on Account Nickname, refer Account Nickname.
   • Click on the kebab menu to access account related transactions