Global Configuration Settings

Apache Fineract has a set of system-wide configuration flags that control platform behaviour across all tenants and products. These are set once at the instance level and apply to all operations.

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Reading All Configuration Settings

GET /fineract-provider/api/v1/configurations
Authorization: Basic <base64>
Fineract-Platform-TenantId: default

Response is a list of configuration objects:

{
  "globalConfiguration": [
    {
      "id": 1,
      "name": "maker-checker",
      "enabled": false,
      "trapDoor": false
    },
    {
      "id": 3,
      "name": "reschedule-repayments-on-holidays",
      "enabled": true,
      "trapDoor": false
    }
  ]
}

trapDoor: true means the setting cannot be changed after it has been enabled - used for irreversible configuration choices.

Updating a Setting

PUT /fineract-provider/api/v1/configurations/{id}
Authorization: Basic <base64>
Fineract-Platform-TenantId: default
Content-Type: application/json

{
  "enabled": true
}

Some settings accept a value (integer) rather than just enabled. Check the configuration object for a value field.

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Full Configuration Reference

Approval Workflow

Name	Default	Effect when enabled
maker-checker	Disabled	Requires a second user to approve submitted operations before execution. See Maker-Checker guide.

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Repayment Scheduling

Name	Default	Effect when enabled
reschedule-repayments-on-holidays	Enabled	Repayments falling on a configured holiday are rescheduled per the holiday's rescheduling rule
reschedule-future-repayments	Enabled	When a holiday is added after loan disbursement, future repayments falling in the holiday window are retroactively rescheduled
allow-transactions-on-non_workingday	Disabled	Staff can record transactions on days not in the working days schedule
allow-transactions-on-holiday	Disabled	Staff can record transactions on configured holiday dates

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Interest Calculation

Name	Default	Effect when enabled
interest-charged-from-date	Disabled	Accrual starts from the interestChargedFromDate field on the loan (if set), rather than the disbursement date
days-in-year-custom-strategy	Disabled	Uses a custom days-in-year calculation (e.g., 360 or actual/365) instead of the product default

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Loan Lifecycle

Name	Default	Effect
loan-reschedule-is-first-payment-allowed	Disabled	Allows the first repayment to be rescheduled
is-interest-to-be-recovered-first-when-greater-than-emi	Disabled	When a repayment amount exceeds the EMI, recover interest before principal
is-principal-compounding-disabled-for-overdue-loans	Disabled	Disables principal compounding for loans that are overdue
enable-address	Disabled	Enables the address module for clients, allowing multiple structured addresses per client
enable-business-date	Enabled	Activates Business Date logic for COB processing. Should always remain enabled in production.
enable-post-dated-checks-module	Disabled	Enables post-dated cheque tracking for loans
enable-auto-generated-external-id	Disabled	Auto-generates an externalId for new entities if none is provided

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COB (Close of Business)

Name	Default	Effect when enabled
enable-business-date	Enabled	COB uses Business Date rather than system date for processing. See Business Date guide.
loan-arrears-aging-is-based-on-meeting-date	Disabled	For group-based loans, arrears calculation uses the group meeting date rather than the instalment due date

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Client & Account Features

Name	Default	Effect when enabled
enable-address	Disabled	Enables structured address storage for clients (country, city, street, postal code)
enable-client-classification	Disabled	Enables the client classification code field on client profiles
enable-client-types	Disabled	Enables the client type code field (individual, business, cooperative)
enable-gender	Disabled	Enables the gender field on client profiles
enable-staff-name-for-clients	Disabled	Displays the assigned loan officer name on client profiles

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Account Number Formatting

Name	Value field	Effect
loan-account-number-format	Integer (1-3)	Controls auto-generated loan account number format
savings-account-number-format	Integer	Controls auto-generated savings account number format
client-number-format	Integer	Controls auto-generated client number format
group-number-format	Integer	Controls auto-generated group number format

Account number format codes:

• 1 - Numeric ID with zero padding
• 2 - Random alphanumeric string
• 3 - Prefix + numeric ID

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Accounting

Name	Default	Effect when enabled
financial-activity-account-linked-to-single-product	Disabled	Restricts financial activity accounts to only one product mapping

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Recommended Production Settings

For most regulated institutions:

Setting	Recommended
maker-checker	Enabled - require 4-eyes approval for loan approvals and disbursements
reschedule-repayments-on-holidays	Enabled - always reschedule on holidays
reschedule-future-repayments	Enabled - retroactively update schedules when holidays are added
allow-transactions-on-non_workingday	Disabled - prevents backdated or off-schedule entries
allow-transactions-on-holiday	Disabled - prevents transactions on closed days
enable-business-date	Enabled - required for correct COB processing
enable-address	Enabled - useful for most institutions
enable-auto-generated-external-id	Enabled - simplifies integration reconciliation

For development / test environments:

• Disable maker-checker to avoid approval loops during testing
• Enable allow-transactions-on-non_workingday and allow-transactions-on-holiday for flexible test data entry

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Checking a Specific Setting

GET /fineract-provider/api/v1/configurations?name=maker-checker

Or by ID if known:

GET /fineract-provider/api/v1/configurations/1