dscf-credit 0.1.0

checksums.yaml

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data/MIT-LICENSE

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+Copyright Adoniyas
+
+Permission is hereby granted, free of charge, to any person obtaining
+a copy of this software and associated documentation files (the
+"Software"), to deal in the Software without restriction, including
+without limitation the rights to use, copy, modify, merge, publish,
+distribute, sublicense, and/or sell copies of the Software, and to
+permit persons to whom the Software is furnished to do so, subject to
+the following conditions:
+
+The above copyright notice and this permission notice shall be
+included in all copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND,
+EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF
+MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND
+NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE
+LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION
+OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION
+WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

data/README.md

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+# Dscf::Credit
+Short description and motivation.
+
+## Usage
+How to use my plugin.
+
+## Installation
+Add this line to your application's Gemfile:
+
+```ruby
+gem "dscf-credit"
+```
+
+And then execute:
+```bash
+$ bundle
+```
+
+Or install it yourself as:
+```bash
+$ gem install dscf-credit
+```
+
+## Contributing
+Contribution directions go here.
+
+## License
+The gem is available as open source under the terms of the [MIT License](https://opensource.org/licenses/MIT).

data/Rakefile

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+require "bundler/setup"
+
+APP_RAKEFILE = File.expand_path("spec/dummy/Rakefile", __dir__)
+load "rails/tasks/engine.rake"
+
+load "rails/tasks/statistics.rake"
+
+require "bundler/gem_tasks"

data/app/controllers/dscf/credit/application_controller.rb

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+module Dscf
+  module Credit
+    class ApplicationController < ActionController::API
+      include Dscf::Core::Authenticatable
+      include Dscf::Core::JsonResponse
+    end
+  end
+end

data/app/controllers/dscf/credit/bank_branches_controller.rb

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+module Dscf::Credit
+  class BankBranchesController < ApplicationController
+    include Dscf::Core::Common
+
+    private
+
+    def model_params
+      params.require(:bank_branch).permit(
+        :bank_id,
+        :branch_name,
+        :branch_code,
+        :branch_address,
+        :city,
+        :country,
+        :contact_email,
+        :contact_phone,
+        :status
+      )
+    end
+
+    def eager_loaded_associations
+      [ :bank, :bank_staffs ]
+    end
+
+    def allowed_order_columns
+      %w[id branch_name branch_code city status created_at updated_at]
+    end
+
+    def default_serializer_includes
+      {
+        index: [ :bank ],
+        show: [ :bank, :bank_staffs ],
+        create: [ :bank ],
+        update: [ :bank, :bank_staffs ]
+      }
+    end
+  end
+end

data/app/controllers/dscf/credit/bank_staffs_controller.rb

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+module Dscf::Credit
+  class BankStaffsController < ApplicationController
+    include Dscf::Core::Common
+    include Dscf::Core::JsonResponse
+
+    def create
+      service = BankStaffCreationService.new(flattened_creation_params)
+
+      if service.call
+        render_success(
+          data: service.bank_staff,
+          status: :created,
+          serializer_options: { include: default_serializer_includes[:create] }
+        )
+      else
+        render_error(
+          errors: service.errors.full_messages,
+          status: :unprocessable_entity
+        )
+      end
+    end
+
+    private
+
+    def flattened_creation_params
+      permitted_params = bank_staff_creation_params
+      user_attrs = permitted_params.delete(:user_attributes) || {}
+      profile_attrs = user_attrs.delete(:user_profile_attributes) || {}
+
+      permitted_params.merge(user_attrs).merge(profile_attrs)
+    end
+
+    def bank_staff_creation_params
+      params.require(:bank_staff).permit(
+        :bank_branch_id,
+        :status,
+        :role_code,
+        user_attributes: [
+          :email,
+          :phone,
+          user_profile_attributes: [
+            :first_name,
+            :last_name,
+            :middle_name,
+            :position_title,
+            :gender
+          ]
+        ]
+      )
+    end
+
+    def model_params
+      params.require(:bank_staff).permit(
+        :user_id,
+        :bank_branch_id,
+        :status
+      )
+    end
+
+    def eager_loaded_associations
+      [ :user, { bank_branch: :bank } ]
+    end
+
+    def allowed_order_columns
+      %w[id status created_at updated_at]
+    end
+
+    def default_serializer_includes
+      {
+        index: [ :user, { bank_branch: :bank } ],
+        show: [ { user: [ :user_profile, :roles ] }, { bank_branch: :bank } ],
+        create: [ :user, { bank_branch: :bank } ],
+        update: [ :user, { bank_branch: :bank } ]
+      }
+    end
+  end
+end

data/app/controllers/dscf/credit/banks_controller.rb

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+module Dscf::Credit
+  class BanksController < ApplicationController
+    include Dscf::Core::Common
+
+    private
+
+    def model_params
+      params.require(:bank).permit(
+        :user_id,
+        :name,
+        :registration_number,
+        :swift_code,
+        :headquarters_address,
+        :city,
+        :country,
+        :contact_email,
+        :contact_phone,
+        :status
+      )
+    end
+
+    def eager_loaded_associations
+      [ :user, :bank_branches, :system_config_definitions ]
+    end
+
+    def allowed_order_columns
+      %w[id name registration_number swift_code status created_at updated_at]
+    end
+
+    def default_serializer_includes
+      {
+        index: [ :user, :bank_branches ],
+        show: [ :user, :bank_branches, :system_config_definitions ],
+        create: [ :user, :bank_branches ],
+        update: [ :user, :bank_branches, :system_config_definitions ]
+      }
+    end
+  end
+end

data/app/controllers/dscf/credit/categories_controller.rb

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+module Dscf::Credit
+  class CategoriesController < ApplicationController
+    include Dscf::Core::Common
+
+    private
+
+    def model_params
+      params.require(:category).permit(
+        :type,
+        :name,
+        :description
+      )
+    end
+
+    def eager_loaded_associations
+      [ :credit_lines ]
+    end
+
+    def allowed_order_columns
+      %w[id type name description created_at updated_at]
+    end
+
+    def default_serializer_includes
+      {
+        index: [],
+        show: [ :credit_lines ],
+        create: [],
+        update: [ :credit_lines ]
+      }
+    end
+  end
+end

data/app/controllers/dscf/credit/credit_line_specs_controller.rb

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+module Dscf::Credit
+  class CreditLineSpecsController < ApplicationController
+    include Dscf::Core::Common
+
+    def create
+      super do
+        obj = @clazz.new(model_params)
+        obj.created_by = current_user
+
+        if obj.active?
+          @clazz.where(credit_line_id: obj.credit_line_id, active: true).update_all(active: false)
+        end
+
+        obj
+      end
+    end
+
+    def update
+      super do
+        obj = set_object
+
+        if model_params[:active] == true || model_params[:active] == "true"
+          @clazz.where(credit_line_id: obj.credit_line_id, active: true)
+               .where.not(id: obj.id)
+               .update_all(active: false)
+        end
+
+        obj
+      end
+    end
+
+    private
+
+    def model_params
+      params.require(:credit_line_spec).permit(
+        :credit_line_id,
+        :min_amount,
+        :max_amount,
+        :interest_rate,
+        :penalty_rate,
+        :facilitation_fee_rate,
+        :tax_rate,
+        :max_penalty_days,
+        :loan_duration,
+        :interest_frequency,
+        :interest_income_tax,
+        :vat,
+        :max_interest_calculation_days,
+        :penalty_frequency,
+        :penalty_income_tax,
+        :active
+      )
+    end
+
+    def eager_loaded_associations
+      [ :credit_line, :created_by ]
+    end
+
+    def allowed_order_columns
+      %w[id min_amount max_amount interest_rate penalty_rate facilitation_fee_rate tax_rate max_penalty_days loan_duration interest_frequency interest_income_tax vat max_interest_calculation_days penalty_frequency penalty_income_tax active created_at updated_at]
+    end
+
+    def default_serializer_includes
+      {
+        index: [ :credit_line ],
+        show: [ :credit_line, :created_by ],
+        create: [ :credit_line, :created_by ],
+        update: [ :credit_line, :created_by ]
+      }
+    end
+  end
+end

data/app/controllers/dscf/credit/credit_lines_controller.rb

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+module Dscf::Credit
+  class CreditLinesController < ApplicationController
+    include Dscf::Core::Common
+
+    def create
+      super do
+        credit_line = @clazz.new(model_params)
+        credit_line.created_by = current_user
+        credit_line
+      end
+    end
+
+    def approve
+      @obj = @clazz.find(params[:id])
+      if @obj.update(
+        status: "approved",
+        approved_by: current_user,
+        approval_date: Time.current
+      )
+        render_success(data: @obj)
+      else
+        render_error(errors: @obj.errors.full_messages, status: :unprocessable_entity)
+      end
+    rescue StandardError => e
+      render_error(error: e.message)
+    end
+
+    def reject
+      @obj = @clazz.find(params[:id])
+      if @obj.update(
+        status: "pending",
+        approved_by: current_user,
+        approval_date: Time.current
+      )
+        render_success(data: @obj)
+      else
+        render_error(errors: @obj.errors.full_messages, status: :unprocessable_entity)
+      end
+    rescue StandardError => e
+      render_error(error: e.message)
+    end
+
+    private
+
+    def model_params
+      params.require(:credit_line).permit(
+        :bank_id,
+        :category_id,
+        :name,
+        :code,
+        :description,
+        :status,
+        :approved_by_type,
+        :approved_by_id,
+        :approval_date
+      )
+    end
+
+    def eager_loaded_associations
+      [ :bank, :category, :created_by, :approved_by, :credit_line_specs ]
+    end
+
+    def allowed_order_columns
+      %w[id name code status approval_date created_at updated_at category_id]
+    end
+
+    def default_serializer_includes
+      {
+        index: [ :bank, :category ],
+        show: [ :bank, :category, :created_by, :approved_by, :credit_line_specs ],
+        create: [ :bank, :category, :created_by, :approved_by ],
+        update: [ :bank, :category, :created_by, :approved_by, :credit_line_specs ]
+      }
+    end
+  end
+end

data/app/controllers/dscf/credit/facilitators_controller.rb

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+module Dscf::Credit
+  class FacilitatorsController < ApplicationController
+    include Dscf::Core::Common
+
+    skip_before_action :authenticate_user, only: [ :submit_additional_info ]
+    before_action :set_facilitator_for_approval, only: [ :approve, :reject, :set_limit ]
+
+    def create
+      super do
+        user = Dscf::Core::User.find(model_params[:user_id])
+        business = user.businesses.first
+
+        unless business
+          return render_error("facilitator.errors.no_business",
+                            errors: "User must have a business associated to become a facilitator")
+        end
+
+        facilitator_data = model_params.to_h.merge(
+          name: business.name,
+          type: business.business_type.name.downcase
+        )
+
+        facilitator = @clazz.new(facilitator_data)
+        facilitator.kyc_approved_by = current_user
+        if facilitator.save
+          facilitator.facilitator_performances.create!(
+            total_outstanding_loans: 0,
+            total_outstanding_amount: 0.0,
+            approval_required: false,
+            created_by: current_user
+          )
+          facilitator
+        else
+          facilitator
+        end
+      end
+    end
+
+    def approve
+      begin
+        FacilitatorApprovalService.new(@facilitator, current_user).approve(params[:total_limit])
+        render_success("facilitator.success.approved", data: @facilitator)
+      rescue StandardError => e
+        render_error("facilitator.errors.approval_failed", errors: e.message)
+      end
+    end
+
+    def reject
+      begin
+        FacilitatorApprovalService.new(@facilitator, current_user).reject(params[:rejection_reason])
+        render_success("facilitator.success.rejected", data: @facilitator)
+      rescue StandardError => e
+        render_error("facilitator.errors.rejection_failed", errors: e.message)
+      end
+    end
+
+    def set_limit
+      begin
+        FacilitatorApprovalService.new(@facilitator, current_user).set_limit(params[:total_limit])
+        render_success("facilitator.success.limit_updated", data: @facilitator)
+      rescue StandardError => e
+        render_error("facilitator.errors.limit_update_failed", errors: e.message)
+      end
+    end
+
+    def submit_additional_info
+      token = params[:token]
+      additional_info = params[:additional_info]&.permit!.to_h
+
+      begin
+        result = FacilitatorAdditionalInfoService.new.submit_info(token, additional_info)
+        render_success("facilitator.success.additional_info_submitted", data: result)
+      rescue StandardError => e
+        render_error("facilitator.errors.additional_info_failed", errors: e.message)
+      end
+    end
+
+    def batch_create
+      facilitators_params = params[:facilitators]
+
+      unless facilitators_params.is_a?(Array)
+        return render_error("facilitator.errors.invalid_batch_format",
+                          errors: "Expected an array of facilitator objects")
+      end
+
+      if facilitators_params.empty?
+        return render_error("facilitator.errors.empty_batch",
+                          errors: "At least one facilitator is required")
+      end
+
+      if facilitators_params.length > 100
+        return render_error("facilitator.errors.batch_too_large",
+                          errors: "Maximum 100 facilitators allowed per batch")
+      end
+
+      results = {
+        successful: [],
+        failed: [],
+        total_count: facilitators_params.length,
+        success_count: 0,
+        failure_count: 0
+      }
+
+      facilitators_params.each_with_index do |facilitator_attrs, index|
+        begin
+          if facilitator_attrs.is_a?(ActionController::Parameters)
+            permitted_attrs = facilitator_attrs.permit(:user_id, :bank_id, :kyc_status)
+          else
+            permitted_attrs = ActionController::Parameters.new(facilitator_attrs)
+                                                          .permit(:user_id, :bank_id, :kyc_status)
+          end
+
+          user = Dscf::Core::User.find(permitted_attrs[:user_id])
+          business = user.businesses.first
+
+          unless business
+            results[:failed] << {
+              index: index,
+              user_id: permitted_attrs[:user_id],
+              errors: [ "User must have a business associated to become a facilitator" ]
+            }
+            results[:failure_count] += 1
+            next
+          end
+
+          facilitator_data = permitted_attrs.to_h.merge(
+            name: business.name,
+            type: business.business_type.name.downcase
+          )
+
+          facilitator = @clazz.new(facilitator_data)
+          facilitator.kyc_approved_by = current_user
+
+          if facilitator.save
+            facilitator.facilitator_performances.create!(
+              total_outstanding_loans: 0,
+              total_outstanding_amount: 0.0,
+              approval_required: false,
+              created_by: current_user
+            )
+
+            results[:successful] << {
+              index: index,
+              id: facilitator.id,
+              name: facilitator.name,
+              message: "Successfully created"
+            }
+            results[:success_count] += 1
+          else
+            results[:failed] << {
+              index: index,
+              name: business&.name || "Unknown Business",
+              errors: facilitator.errors.full_messages
+            }
+            results[:failure_count] += 1
+          end
+        rescue StandardError => e
+          user_id = permitted_attrs&.[](:user_id) || facilitator_attrs.try(:[], :user_id)
+          business_name = "Unknown Business"
+
+          if user_id
+            begin
+              user = Dscf::Core::User.find(user_id)
+              business_name = user.businesses.first&.name || "No Business Associated"
+            rescue
+              business_name = "Invalid User ID"
+            end
+          end
+
+          results[:failed] << {
+            index: index,
+            name: business_name,
+            errors: [ e.message ]
+          }
+          results[:failure_count] += 1
+        end
+      end
+
+      if results[:failure_count] == 0
+        render_success("facilitator.success.batch_created_all", data: results)
+      elsif results[:success_count] == 0
+        render_error("facilitator.errors.batch_failed_all", errors: results)
+      else
+        render json: {
+          success: true,
+          message: I18n.t("facilitator.success.batch_created_partial"),
+          data: results
+        }, status: :multi_status
+      end
+    end
+
+    private
+
+    def model_params
+      params.require(:facilitator).permit(
+        :user_id,
+        :bank_id,
+        :kyc_status,
+        :additional_info
+      )
+    end
+
+    def set_facilitator_for_approval
+      @facilitator = @clazz.find(params[:id])
+    end
+
+    def eager_loaded_associations
+      [ :user, :bank, :kyc_approved_by, :facilitator_performances ]
+    end
+
+    def allowed_order_columns
+      %w[id name type kyc_status total_limit created_at updated_at]
+    end
+
+    def default_serializer_includes
+      {
+        index: [ :user, :bank ],
+        show: [ :user, :bank, :kyc_approved_by, :facilitator_performances ],
+        create: [ :user, :bank, :kyc_approved_by ],
+        update: [ :user, :bank, :kyc_approved_by, :facilitator_performances ],
+        approve: [ :user, :bank, :kyc_approved_by, :facilitator_performances ],
+        reject: [ :user, :bank, :kyc_approved_by ],
+        set_limit: [ :user, :bank, :kyc_approved_by ]
+      }
+    end
+  end
+end

data/app/controllers/dscf/credit/loans_controller.rb

@@ -0,0 +1,41 @@
+module Dscf::Credit
+  class LoansController < ApplicationController
+    include Dscf::Core::Common
+
+    private
+
+    def model_params
+      params.require(:loan).permit(
+        :loan_profile_id,
+        :credit_line_id,
+        :payment_request_id,
+        :status,
+        :principal_amount,
+        :accrued_interest,
+        :accrued_penalty,
+        :facilitation_fee,
+        :total_loan_amount,
+        :remaining_amount,
+        :due_date,
+        :disbursed_at
+      )
+    end
+
+    def eager_loaded_associations
+      [ :loan_profile, :credit_line, :payment_request, :loan_transactions ]
+    end
+
+    def allowed_order_columns
+      %w[id status principal_amount total_loan_amount remaining_amount due_date disbursed_at created_at updated_at]
+    end
+
+    def default_serializer_includes
+      {
+        index: [ :loan_profile, :credit_line, :payment_request ],
+        show: [ :loan_profile, :credit_line, :payment_request, :loan_transactions ],
+        create: [ :loan_profile, :credit_line, :payment_request ],
+        update: [ :loan_profile, :credit_line, :payment_request, :loan_transactions ]
+      }
+    end
+  end
+end