fees.manage capability). A Branch Manager cannot edit fees.
To access the fee schedule, navigate to Administration → Fee schedule. The route is /admin/fees.
What you can change
Each fee is one row. You edit it in place and save that row on its own.| Field | What it does |
|---|---|
| Label | The name officers see, for example “Processing fee”. |
| Rate | The percentage for a percent-based fee, for example 2 for 2%. |
| Amount | The flat amount in J5,000 registration fee. |
| Charge 15% GCT on this fee | The GCT flag. Tick it and the platform adds 15% GCT to the fee. Leave it off for a GCT-exempt fee like an insurance premium. |
| Treatment | How the fee affects the cash the member receives. One of Deducted from proceeds, Paid separately, or Added to loan. |
| Active | Untick to retire a fee without deleting it. An inactive fee stops pre-filling the disbursement screen. |
PROCESSING) and which loan types it applies to, so you can tell the unsecured processing fee from the mortgage one at a glance.
The stamp duty fee has no editable rate. Its amount is worked out by the
Jamaica stamp and mortgage duty formula, so the row shows “Computed by the
Jamaica stamp-duty formula” instead of a rate field. You can still change its
label, GCT flag, treatment, and active state.
Changing the service fee
The processing fee is the one you are most likely to change. It ships at 2% on unsecured and auto loans and 1% on cash-secured and mortgage loans, and it is GCT-taxable. To change it, open Fee schedule, find the processing row for the loan type, type the new percentage into Rate, and click Save. The new rate takes effect on the next loan funded against that schedule. Loans already disbursed keep the fee that was captured on them; the disbursement record is an immutable snapshot.What happens at funding
The fee schedule is the source. The disbursement screen is where a single loan’s fees are finalised. When a loan is ready to disburse, its applicable schedule fees pre-fill, and the Disbursement officer can waive or adjust them for that one loan. See Fees, deductions, and GCT for how a fee reduces the gross loan down to the net the member receives, and how GCT is applied.Every save is audited
Each save records atenant.fee_schedule.updated audit event with the before and after values, so every change to a standing fee is traceable to who made it and when.