add formatNumber method in Utility class
use formatNumber method in old sms
move formatNumber method in SmsService::send
Fix the error in sending Smses
add sendLoanFinalArrearNotification
Refactor Utility::formatNumber
add helper method
sendLoanFinalArrearMail
sendLoanFirstArrearNotification
sendLoanFirstArrearMail
sendLoanMonthlyArrearNotificationToContact
sendLoanMonthlyArrearNotification
Refactor
sendLoanMonthlyArrearMail
fix typo
sendRepaymentReminderTommorow
fix typo
sendRepaymentReminderTommorow mail
sendRepaymentReminder
sendRepaymentReminder mail