Disbursement

Business object for Account Management (FS-AM) that you can use to trigger the disbursement of a loan. For more information, see Loans.

A loan is a contract between a lender and a borrower where the lender accepts an obligation to disburse an agreed amount of money (the disbursement obligation) to the borrower or another party designated by the borrower and the borrower accepts the obligation to draw the agreed amount of money.

The following disbursement functions are available:

Disbursement of loans by cash or check (PF).
Withholding of different items if a loan is to be disbursed.
End of Commitment Date for loans.
Disbursement of a loan to different parties and/or by progress of construction.
Editing of the disbursement operation if the conditions are met for a disbursement.

Structure

The structure description of the Disbursement function is divided into attributes, methods and customer enhancements. For more information, see Order Management.

Attributes

Reason for disbursement
Deactivation reason for disbursement
Reversal reason for disbursement
Define storage locations for documents
Define document type for progress of construction
Define prenote types for withhold categories
Define withhold category for planned items
Define display of change documents
Correspondence for activation
Correspondence for deactivation
Correspondence for reversal

Methods

In Account Management (FS-AM), you can use one of the following channels for processing objects:

Dialog
Business Application Programming Interface (BAPI)
Direct Input (DI)
Enterprise Services

Dialog

The Disbursement function can use the Entry Origin or Processing Origin field to identify the channel used to process it. This can be the dialog channel for which the system displays the entry origin BODISB (Disbursement Dial.) You can call the dialog processing using transaction BCA_OR_DISB.

You can call the following methods using dialog processing:

Create and enter
Create and activate
Change and enter
Change and delete
Change and activate
Change and deactivate
Change and reverse
Display

Business Application Programming Interface

BAPIs are not available.

Direct Input

Direct input is not implemented for disbursement.

Enterprise Services

You can use the enterprise services of the business object Loan Disbursement Request. For more information, see SAP Help Portal at http://help.sap.com/ -> SOA -> SAP for Industries -> SAP for Banking -> Enterprise Services for banking services from SAP.

Customer Enhancements

The following Business Add-Ins (BAdIs) are available for loan disbursement.

BAdI Definition	Interface	Method
BCA_OR_DISB_CHECKS	IF_BCA_OR_DISB_CHECKS	CHECK_ENTRY (Entry check)
		CHECK_CONSISTENCY (Consistency check)
BCA_OR_DISB_ORDER_EVENTS	IF_BCA_OR_DISB_ORDER_EVENTS	ACTIVATE
		CLOSE
		CREATE
		DEACTIVATE
		DELETE
		OPEN
		PREPARE
		RESET_ACTIVITY
		REVERSE
		SAVE
		SET
BCA_OR_DISB_AUTH	IF_BCA_OR_DISB_AUTH	AUTHORIZE_F_BODB_ACT
		AUTHORIZE_F_BODB_RSN
		AUTHORIZE_F_BODB_FCT
		AUTHORIZE_F_BODB_ORG
BCA_OR_DISB_CORR	IF_BCA_OR_CORRESPONDENCE	IF_FKK_CORR_OUTPUT_REQUEST~OUTPUT_CORR_REQUEST
		IF_BCA_OR_CREATE_CORR_REQ~CREATE_CORR_REQUEST

Integration

When you process disbursements, the corresponding release object, and the various authorization objects have a controlling function for the program flow.

Objects Checked by the System

The system checks the account and displays messages accordingly if one or more of the following requirements have not been met:

The loan account exists.
The contract status of the account is Active, Used
The account status is not In Release.
The system runs authorization checks.
You have made all the required entries.
The posting date is not in the past.

Objects Changed by the System

The order can change the status of the account and can set the condition fixing period of the account.

Objects Generated by the System

Change document
The system generates a change document that meets auditing requirements.
Work item
If required, the system generates a work item for the release process, on the basis of the Customizing settings. For more information, see Release Object OR_DISB (Disbursement)
If required, the system generates correspondence for the following operations:
- Activate
- Deactivate
- Reverse

Payment orders, if the disbursement order is activated in the present.
Forward orders, if the disbursement order is activated in the future.
Prenotes for the disbursement amount, and any withheld amounts.
Billing items, for withheld items that are due before the disbursement payment date.
Directives for withheld items.
Payment advice, directing to whom, and how the disbursement is to be paid.
In cases where a loan has more than one disbursement in a day, the disbursement charge and the discount are only applied once.

Effect on Facilities in Master Contract Management (MCM)

When you execute this business transaction on a loan account in Loans Management, where the loan account is part of a facility, the system determines the resulting changes on the utilization calculation bases. If the change resulting from this transaction leads to an increase in the utilization of a facility, the system executes a facility check (such as a limit check). You can only proceed with this transaction if the facility check has been successful.

When you complete this business transaction, the system updates the facility utilization. If this business transaction leads to a decrease in the utilization of a facility, the system makes an update to the facility, but no facility check is required.

If a facility check is successful, an explicit reservation is created on the facility, and the update of the facility utilization after the successful execution of this business transaction corresponds to this explicit reservation.

A facility check applies to the entire facility hierarchy.

The following utilization calculation bases are affected:

Nominal capital
Effective capital plus prenotes
Remaining capital plus prenotes

For more information, see Example: Disbursement