bscf-core 0.4.97 → 0.4.98

checksums.yaml

@@ -1,7 +1,7 @@
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data/app/models/bscf/core/loan.rb

@@ -0,0 +1,28 @@
+module Bscf::Core
+  class Loan < ApplicationRecord
+    belongs_to :virtual_account, class_name: "Bscf::Core::VirtualAccount"
+    belongs_to :disbursement_transaction, class_name: "Bscf::Core::VirtualAccountTransaction"
+
+    enum :status, { disbursed: 0, late: 1, paid: 2 }
+
+    validates :principal_amount, :interest_amount, :unpaid_balance, presence: true, numericality: { greater_than_or_equal_to: 0 }
+    validates :status, :due_date, presence: true
+    validates :status, inclusion: { in: statuses.keys }
+
+    validate :paid_at_requires_zero_balance_and_paid_status
+    validate :paid_status_requires_zero_balance
+
+    def paid_at_requires_zero_balance_and_paid_status
+      if paid_at.present?
+        errors.add(:paid_at, "can only be set if loan is marked as paid") if status != "paid"
+        errors.add(:paid_at, "can only be set if unpaid balance is zero") if unpaid_balance.to_f > 0
+      end
+    end
+
+    def paid_status_requires_zero_balance
+      if status == "paid" && unpaid_balance.to_f > 0
+        errors.add(:status, "can only be set to paid if unpaid balance is zero")
+      end
+    end
+  end
+end

data/app/models/bscf/core/loan_repayment.rb

@@ -0,0 +1,45 @@
+module Bscf::Core
+  class LoanRepayment < ApplicationRecord
+    belongs_to :loan, class_name: "Bscf::Core::Loan"
+    belongs_to :repayment_transaction, class_name: "Bscf::Core::VirtualAccountTransaction"
+
+    validates :amount, presence: true, numericality: { greater_than: 0 }
+    validates :payment_date, presence: true
+    validate :amount_cannot_exceed_unpaid_balance
+    validate :loan_cannot_be_already_paid
+
+    after_create :apply_repayment_to_loan
+
+    private
+
+    def apply_repayment_to_loan
+      loan.with_lock do
+        loan.unpaid_balance -= amount
+        loan.unpaid_balance = 0 if loan.unpaid_balance.negative?
+
+        if loan.unpaid_balance.zero?
+          loan.status = "paid"
+          loan.paid_at = payment_date
+        end
+
+        loan.save!
+      end
+    end
+
+    def amount_cannot_exceed_unpaid_balance
+      return if loan.blank? || amount.blank?
+
+      if amount > loan.unpaid_balance
+        errors.add(:amount, "cannot be greater than the loan's unpaid balance")
+      end
+    end
+
+    def loan_cannot_be_already_paid
+      return if loan.blank?
+
+      if loan.paid?
+        errors.add(:loan, "is already marked as paid")
+      end
+    end
+  end
+end

data/app/models/bscf/core/virtual_account.rb

@@ -76,9 +76,33 @@ module Bscf
       def generate_account_number
         return if account_number.present?
 
-        last_seq = self.class.maximum(:account_number).to_s[-6..-1].to_i
+        last_account = self.class.maximum(:account_number)
+        last_seq = last_account ? last_account[-6..-1].to_i : 0
         seq = (last_seq + 1).to_s.rjust(6, "0")
-        self.account_number = "#{branch_code}#{product_scheme}#{voucher_type}#{seq}"
+
+        branch_part = branch_code.to_s.rjust(3, "0")[0..2]
+        product_part = map_product_scheme_to_digit(product_scheme)
+        voucher_part = map_voucher_type_to_digit(voucher_type)
+
+        self.account_number = "#{branch_part}#{product_part}#{voucher_part}#{seq}"
+      end
+
+      def map_product_scheme_to_digit(scheme)
+        case scheme
+        when "SAVINGS" then "1"
+        when "CURRENT" then "2"
+        when "LOAN" then "3"
+        else "0"
+        end
+      end
+
+      def map_voucher_type_to_digit(type)
+        case type
+        when "REGULAR" then "1"
+        when "SPECIAL" then "2"
+        when "TEMPORARY" then "3"
+        else "0"
+        end
       end
 
       def transfer_to!(to_account, amount)

data/db/migrate/20250720123239_create_bscf_core_loans.rb

@@ -0,0 +1,16 @@
+class CreateBscfCoreLoans < ActiveRecord::Migration[8.0]
+  def change
+    create_table :bscf_core_loans do |t|
+      t.references :virtual_account, null: false, foreign_key: { to_table: :bscf_core_virtual_accounts }
+      t.references :disbursement_transaction, null: false, foreign_key: { to_table: :bscf_core_virtual_account_transactions }
+      t.float :principal_amount, null: false, default: 0.0
+      t.float :interest_amount, null: false, default: 0.0
+      t.float :unpaid_balance, null: false, default: 0.0
+      t.integer :status, null: false, default: 0
+      t.date :due_date, null: false, default: Date.today + 15.days
+      t.date :paid_at, null: true
+
+      t.timestamps
+    end
+  end
+end

data/db/migrate/20250720131241_create_bscf_core_loan_repayments.rb

@@ -0,0 +1,12 @@
+class CreateBscfCoreLoanRepayments < ActiveRecord::Migration[8.0]
+  def change
+    create_table :bscf_core_loan_repayments do |t|
+      t.references :loan, null: false, foreign_key: { to_table: :bscf_core_loans }
+      t.references :repayment_transaction, null: false, foreign_key: { to_table: :bscf_core_virtual_account_transactions }
+      t.float :amount, null: false
+      t.date :payment_date, null: false, default: Date.today
+
+      t.timestamps
+    end
+  end
+end

data/db/migrate/20250720184059_nullable_occupation_source_of_funds.rb

@@ -0,0 +1,6 @@
+class NullableOccupationSourceOfFunds < ActiveRecord::Migration[8.0]
+  def change
+    change_column_null :bscf_core_user_profiles, :occupation, true
+    change_column_null :bscf_core_user_profiles, :source_of_funds, true
+  end
+end

data/lib/bscf/core/version.rb

@@ -1,5 +1,5 @@
 module Bscf
   module Core
-    VERSION = "0.4.97"
+    VERSION = "0.4.98"
   end
 end

data/spec/factories/bscf/core/loan_repayments.rb

@@ -0,0 +1,9 @@
+FactoryBot.define do
+  factory :loan_repayment, class: 'Bscf::Core::LoanRepayment' do
+    association :loan, factory: :loan
+    association :repayment_transaction, factory: :virtual_account_transaction
+
+    amount { 1.5 }
+    payment_date { Date.today }
+  end
+end

data/spec/factories/bscf/core/loans.rb

@@ -0,0 +1,12 @@
+FactoryBot.define do
+  factory :loan, class: 'Bscf::Core::Loan' do
+    association :virtual_account
+    association :disbursement_transaction, factory: :virtual_account_transaction
+
+    principal_amount { 200.5 }
+    interest_amount { 10.5 }
+    unpaid_balance { 210.5 }
+    status { 0 }
+    due_date { Date.today + 15.days }
+  end
+end

metadata

@@ -1,7 +1,7 @@
 --- !ruby/object:Gem::Specification
 name: bscf-core
 version: !ruby/object:Gem::Version
-  version: 0.4.97
+  version: 0.4.98
 platform: ruby
 authors:
 - Asrat
@@ -296,6 +296,8 @@ files:
 - app/models/bscf/core/delivery_order_item.rb
 - app/models/bscf/core/invoice.rb
 - app/models/bscf/core/invoice_item.rb
+- app/models/bscf/core/loan.rb
+- app/models/bscf/core/loan_repayment.rb
 - app/models/bscf/core/marketplace_listing.rb
 - app/models/bscf/core/order.rb
 - app/models/bscf/core/order_item.rb
@@ -364,6 +366,9 @@ files:
 - db/migrate/20250624062746_rename_business_id_to_user_id_in_bscf_core_business_documents.rb
 - db/migrate/20250624122210_add_document_type_to_business_documents.rb
 - db/migrate/20250714201747_add_optimized_route_to_delivery_order.rb
+- db/migrate/20250720123239_create_bscf_core_loans.rb
+- db/migrate/20250720131241_create_bscf_core_loan_repayments.rb
+- db/migrate/20250720184059_nullable_occupation_source_of_funds.rb
 - lib/bscf/core.rb
 - lib/bscf/core/engine.rb
 - lib/bscf/core/version.rb
@@ -379,6 +384,8 @@ files:
 - spec/factories/bscf/core/delivery_orders.rb
 - spec/factories/bscf/core/invoice_items.rb
 - spec/factories/bscf/core/invoices.rb
+- spec/factories/bscf/core/loan_repayments.rb
+- spec/factories/bscf/core/loans.rb
 - spec/factories/bscf/core/marketplace_listings.rb
 - spec/factories/bscf/core/order_items.rb
 - spec/factories/bscf/core/orders.rb