dscf-credit 0.1.0

data/db/seeds.rb

@@ -0,0 +1,745 @@
+# DSCF Credit Engine Seed Data
+# This file seeds the database with sample data for all models in the correct dependency order
+
+puts "Starting DSCF Credit Engine seed data..."
+
+# First, seed business types from dscf-core
+puts "Seeding business types..."
+if defined?(Dscf::Core::BusinessType)
+  individual_business_type = Dscf::Core::BusinessType.find_or_create_by(name: 'individual')
+  corporate_business_type = Dscf::Core::BusinessType.find_or_create_by(name: 'corporate')
+  agent_business_type = Dscf::Core::BusinessType.find_or_create_by(name: 'agent')
+  puts "✓ Business types created/found"
+end
+
+# Create roles for the system if needed
+puts "Seeding roles..."
+if defined?(Dscf::Core::Role)
+  admin_role = Dscf::Core::Role.find_or_create_by(code: 'admin') do |role|
+    role.name = 'System Administrator'
+  end
+
+  bank_admin_role = Dscf::Core::Role.find_or_create_by(code: 'bank_admin') do |role|
+    role.name = 'Bank Administrator'
+  end
+
+  bank_staff_role = Dscf::Core::Role.find_or_create_by(code: 'bank_staff') do |role|
+    role.name = 'Bank Staff'
+  end
+
+  facilitator_role = Dscf::Core::Role.find_or_create_by(code: 'facilitator') do |role|
+    role.name = 'Facilitator'
+  end
+
+  puts "✓ Roles created/found"
+end
+
+# Create users and their businesses from dscf-core if needed
+# This would typically be seeded by the core engine, but we'll reference existing users
+puts "Checking for existing users..."
+
+# users is from dscf-core engine
+if defined?(Dscf::Core::User)
+  admin_user = Dscf::Core::User.find_or_create_by(email: 'admin@bunna.com') do |user|
+    user.phone = '+251911123456'
+    user.verified_at = Time.current
+    user.temp_password = false
+    user.password = 'SecurePassword123!'
+  end
+
+  bank_admin = Dscf::Core::User.find_or_create_by(email: 'bank.admin@bunna.com') do |user|
+    user.phone = '+251922123456'
+    user.verified_at = Time.current
+    user.temp_password = false
+    user.password = 'SecurePassword123!'
+  end
+
+  user1 = Dscf::Core::User.find_or_create_by(email: 'user1@bunna.com') do |user|
+    user.phone = '+251933123456'
+    user.verified_at = Time.current
+    user.temp_password = false
+    user.password = 'SecurePassword123!'
+  end
+
+  user2 = Dscf::Core::User.find_or_create_by(email: 'user2@bunna.com') do |user|
+    user.phone = '+251944123456'
+    user.verified_at = Time.current
+    user.temp_password = false
+    user.password = 'SecurePassword123!'
+  end
+
+  # Create additional test users for batch testing
+  user3 = Dscf::Core::User.find_or_create_by(email: 'user3@bunna.com') do |user|
+    user.phone = '+251955123456'
+    user.verified_at = Time.current
+    user.temp_password = false
+    user.password = 'SecurePassword123!'
+  end
+
+  user4 = Dscf::Core::User.find_or_create_by(email: 'user4@bunna.com') do |user|
+    user.phone = '+251966123456'
+    user.verified_at = Time.current
+    user.temp_password = false
+    user.password = 'SecurePassword123!'
+  end
+
+  puts "✓ Users created/found"
+
+  # Create businesses for users
+  puts "Seeding businesses..."
+  if defined?(Dscf::Core::Business) && defined?(Dscf::Core::BusinessType)
+    # Create business for user1 (Individual)
+    business1 = Dscf::Core::Business.find_or_create_by(
+      user_id: user1.id,
+      business_type_id: individual_business_type.id
+    ) do |business|
+      business.name = 'Individual Trading Business'
+      business.description = 'Individual business for trading services'
+      business.contact_email = user1.email
+      business.contact_phone = user1.phone
+    end
+
+    # Create business for user2 (Corporate)
+    business2 = Dscf::Core::Business.find_or_create_by(
+      user_id: user2.id,
+      business_type_id: corporate_business_type.id
+    ) do |business|
+      business.name = 'Manufacturing Corp'
+      business.description = 'Corporate manufacturing business'
+      business.contact_email = user2.email
+      business.contact_phone = user2.phone
+    end
+
+    # Create business for user3 (Corporate)
+    business3 = Dscf::Core::Business.find_or_create_by(
+      user_id: user3.id,
+      business_type_id: corporate_business_type.id
+    ) do |business|
+      business.name = 'Corporate Trading Ltd'
+      business.description = 'Corporate business for trading services'
+      business.contact_email = user3.email
+      business.contact_phone = user3.phone
+    end
+
+    # Create business for user4 (Agent)
+    business4 = Dscf::Core::Business.find_or_create_by(
+      user_id: user4.id,
+      business_type_id: agent_business_type.id
+    ) do |business|
+      business.name = 'Financial Agent Services'
+      business.description = 'Agent business for financial services'
+      business.contact_email = user4.email
+      business.contact_phone = user4.phone
+    end
+
+    puts "✓ Businesses created/found"
+  end
+else
+  puts "Warning: Dscf::Core::User not found. Using placeholder user IDs."
+  admin_user = OpenStruct.new(id: 1)
+  bank_admin = OpenStruct.new(id: 2)
+  user1 = OpenStruct.new(id: 3)
+  user2 = OpenStruct.new(id: 4)
+  user3 = OpenStruct.new(id: 5)
+  user4 = OpenStruct.new(id: 6)
+end
+
+# 1. Banks (independent)
+puts "Seeding banks..."
+bank1 = Dscf::Credit::Bank.find_or_create_by(registration_number: 'BNK001') do |bank|
+  bank.name = 'Commercial Bank of Ethiopia'
+  bank.swift_code = 'CBETETAA'
+  bank.headquarters_address = 'Addis Ababa, Ethiopia'
+  bank.city = 'Addis Ababa'
+  bank.country = 'Ethiopia'
+  bank.contact_email = 'info@cbe.com.et'
+  bank.contact_phone = '+251115510000'
+  bank.status = 'active'
+end
+
+bank2 = Dscf::Credit::Bank.find_or_create_by(registration_number: 'BNK002') do |bank|
+  bank.name = 'Awash Bank'
+  bank.swift_code = 'AWSHETAA'
+  bank.headquarters_address = 'Addis Ababa, Ethiopia'
+  bank.city = 'Addis Ababa'
+  bank.country = 'Ethiopia'
+  bank.contact_email = 'info@awashbank.com'
+  bank.contact_phone = '+251115524000'
+  bank.status = 'active'
+end
+
+# 2. Bank Branches (depends on banks)
+puts "Seeding bank branches..."
+Dscf::Credit::BankBranch.find_or_create_by(bank: bank1, branch_name: 'Head Office') do |branch|
+  branch.branch_code = 'CBE-HO-001'
+  branch.branch_address = 'Churchill Avenue, Addis Ababa'
+  branch.city = 'Addis Ababa'
+  branch.country = 'Ethiopia'
+  branch.contact_email = 'headoffice@cbe.com.et'
+  branch.contact_phone = '+251115510001'
+  branch.status = 'active'
+end
+
+Dscf::Credit::BankBranch.find_or_create_by(bank: bank1, branch_name: 'Merkato Branch') do |branch|
+  branch.branch_code = 'CBE-MER-002'
+  branch.branch_address = 'Merkato, Addis Ababa'
+  branch.city = 'Addis Ababa'
+  branch.country = 'Ethiopia'
+  branch.contact_email = 'merkato@cbe.com.et'
+  branch.contact_phone = '+251115510002'
+  branch.status = 'active'
+end
+
+Dscf::Credit::BankBranch.find_or_create_by(bank: bank2, branch_name: 'Main Branch') do |branch|
+  branch.branch_code = 'AWB-MN-001'
+  branch.branch_address = 'Ras Desta Damtew Avenue, Addis Ababa'
+  branch.city = 'Addis Ababa'
+  branch.country = 'Ethiopia'
+  branch.contact_email = 'main@awashbank.com'
+  branch.contact_phone = '+251115524001'
+  branch.status = 'active'
+end
+
+# 3. Bank Staff (depends on bank branches and users from dscf-core)
+puts "Seeding bank staff..."
+
+# Get bank branches
+cbe_main_branch = Dscf::Credit::BankBranch.find_by(bank: bank1, branch_name: 'Main Branch')
+cbe_merkato_branch = Dscf::Credit::BankBranch.find_by(bank: bank1, branch_name: 'Merkato Branch')
+awash_main_branch = Dscf::Credit::BankBranch.find_by(bank: bank2, branch_name: 'Main Branch')
+
+# Create bank staff only if we have users from dscf-core
+if defined?(Dscf::Core::User) && Dscf::Core::User.exists?
+  users = Dscf::Core::User.limit(6)
+
+  # CBE Main Branch Staff
+  if cbe_main_branch && users.first
+    Dscf::Credit::BankStaff.find_or_create_by(
+      user: users.first,
+      bank_branch: cbe_main_branch
+    ) do |staff|
+      staff.status = 'active'
+    end
+  end
+
+  if cbe_main_branch && users.second
+    Dscf::Credit::BankStaff.find_or_create_by(
+      user: users.second,
+      bank_branch: cbe_main_branch
+    ) do |staff|
+      staff.status = 'active'
+    end
+  end
+
+  # CBE Merkato Branch Staff
+  if cbe_merkato_branch && users.third
+    Dscf::Credit::BankStaff.find_or_create_by(
+      user: users.third,
+      bank_branch: cbe_merkato_branch
+    ) do |staff|
+      staff.status = 'active'
+    end
+  end
+
+  if cbe_merkato_branch && users.fourth
+    Dscf::Credit::BankStaff.find_or_create_by(
+      user: users.fourth,
+      bank_branch: cbe_merkato_branch
+    ) do |staff|
+      staff.status = 'active'
+    end
+  end
+
+  # Awash Bank Main Branch Staff
+  if awash_main_branch && users.fifth
+    Dscf::Credit::BankStaff.find_or_create_by(
+      user: users.fifth,
+      bank_branch: awash_main_branch
+    ) do |staff|
+      staff.status = 'active'
+    end
+  end
+
+  if awash_main_branch && users[5]
+    Dscf::Credit::BankStaff.find_or_create_by(
+      user: users[5],
+      bank_branch: awash_main_branch
+    ) do |staff|
+      staff.status = 'active'
+    end
+  end
+else
+  puts "  Skipping bank staff creation - no users found from dscf-core"
+end
+
+# 4. System Config Definitions (depends on banks)
+puts "Seeding system config definitions..."
+config_def1 = Dscf::Credit::SystemConfigDefinition.find_or_create_by(
+  bank: bank1,
+  config_key: 'max_loan_amount'
+) do |config|
+  config.description = 'Maximum loan amount allowed per transaction'
+  config.value_type = 'decimal'
+  config.frequency = 'monthly'
+end
+
+config_def2 = Dscf::Credit::SystemConfigDefinition.find_or_create_by(
+  bank: bank1,
+  config_key: 'interest_calculation_method'
+) do |config|
+  config.description = 'Method used for calculating interest'
+  config.value_type = 'string'
+  config.frequency = 'quarterly'
+end
+
+config_def3 = Dscf::Credit::SystemConfigDefinition.find_or_create_by(
+  bank: bank2,
+  config_key: 'max_loan_term_days'
+) do |config|
+  config.description = 'Maximum loan term in days'
+  config.value_type = 'integer'
+  config.frequency = 'yearly'
+end
+
+# 4. System Configs (depends on system config definitions)
+puts "Seeding system configs..."
+Dscf::Credit::SystemConfig.find_or_create_by(config_definition: config_def1) do |config|
+  config.config_value = '500000.00'
+  config.status = 'approved'
+  config.approved_by = admin_user
+  config.last_updated_by = admin_user
+end
+
+Dscf::Credit::SystemConfig.find_or_create_by(config_definition: config_def2) do |config|
+  config.config_value = 'daily'
+  config.status = 'approved'
+  config.approved_by = admin_user
+  config.last_updated_by = admin_user
+end
+
+Dscf::Credit::SystemConfig.find_or_create_by(config_definition: config_def3) do |config|
+  config.config_value = '180'
+  config.status = 'pending'
+  config.last_updated_by = bank_admin
+end
+
+# 4.5. Categories (independent)
+puts "Seeding categories..."
+sme_category = Dscf::Credit::Category.find_or_create_by(type: 'credit_line', name: 'SME') do |category|
+  category.description = 'Small and Medium Enterprise credit category'
+end
+
+personal_category = Dscf::Credit::Category.find_or_create_by(type: 'credit_line', name: 'Personal') do |category|
+  category.description = 'Personal credit category for individuals'
+end
+
+agricultural_category = Dscf::Credit::Category.find_or_create_by(type: 'credit_line', name: 'Agricultural') do |category|
+  category.description = 'Agricultural sector credit category'
+end
+
+corporate_category = Dscf::Credit::Category.find_or_create_by(type: 'credit_line', name: 'Corporate') do |category|
+  category.description = 'Corporate credit category for large businesses'
+end
+
+# 5. Credit Lines (depends on banks, users, and categories)
+puts "Seeding credit lines..."
+credit_line1 = Dscf::Credit::CreditLine.find_or_create_by(bank: bank1, name: 'SME Credit Line') do |line|
+  line.category = sme_category
+  line.code = 'CBE-SME-001'
+  line.description = 'Credit line for Small and Medium Enterprises'
+  line.status = 'approved'
+  line.created_by = admin_user
+  line.approved_by = bank_admin
+  line.approval_date = 1.week.ago
+end
+
+credit_line2 = Dscf::Credit::CreditLine.find_or_create_by(bank: bank1, name: 'Personal Credit Line') do |line|
+  line.category = personal_category
+  line.code = 'CBE-PER-002'
+  line.description = 'Personal credit line for individuals'
+  line.status = 'approved'
+  line.created_by = admin_user
+  line.approved_by = bank_admin
+  line.approval_date = 5.days.ago
+end
+
+Dscf::Credit::CreditLine.find_or_create_by(bank: bank2, name: 'Agricultural Credit Line') do |line|
+  line.category = agricultural_category
+  line.code = 'AWB-AGR-001'
+  line.description = 'Credit line for agricultural sector'
+  line.status = 'pending'
+  line.created_by = bank_admin
+  line.approved_by = admin_user
+end
+
+# 6. Credit Line Specs (depends on credit lines)
+puts "Seeding credit line specs..."
+Dscf::Credit::CreditLineSpec.find_or_create_by(credit_line: credit_line1) do |spec|
+  spec.min_amount = 10000.00
+  spec.max_amount = 500000.00
+  spec.interest_rate = 0.15
+  spec.penalty_rate = 0.02
+  spec.facilitation_fee_rate = 0.01
+  spec.tax_rate = 0.05
+  spec.max_penalty_days = 30
+  spec.loan_duration = 180
+  spec.interest_frequency = 'monthly'
+  spec.interest_income_tax = 0.03
+  spec.vat = 0.15
+  spec.max_interest_calculation_days = 365
+  spec.penalty_frequency = 'weekly'
+  spec.penalty_income_tax = 0.025
+  spec.active = true
+  spec.created_by = admin_user
+end
+
+Dscf::Credit::CreditLineSpec.find_or_create_by(credit_line: credit_line2) do |spec|
+  spec.min_amount = 5000.00
+  spec.max_amount = 100000.00
+  spec.interest_rate = 0.18
+  spec.penalty_rate = 0.025
+  spec.facilitation_fee_rate = 0.015
+  spec.tax_rate = 0.05
+  spec.max_penalty_days = 15
+  spec.loan_duration = 90
+  spec.interest_frequency = 'weekly'
+  spec.interest_income_tax = 0.035
+  spec.vat = 0.15
+  spec.max_interest_calculation_days = 180
+  spec.penalty_frequency = 'daily'
+  spec.penalty_income_tax = 0.03
+  spec.active = true
+  spec.created_by = admin_user
+end
+
+# 7. Scoring Parameters (depends on banks)
+puts "Seeding scoring parameters..."
+scoring_param1 = Dscf::Credit::ScoringParameter.find_or_create_by(
+  bank: bank1,
+  name: 'Monthly Income'
+) do |param|
+  param.description = 'Monthly income of the applicant'
+  param.data_type = 'decimal'
+  param.type = 'financial'
+  param.weight = 0.3
+  param.min_value = 0
+  param.max_value = 1000000
+  param.active = true
+  param.approved_by = admin_user
+  param.created_by = admin_user
+  param.expires_at = 1.year.from_now
+end
+
+scoring_param2 = Dscf::Credit::ScoringParameter.find_or_create_by(
+  bank: bank1,
+  name: 'Credit History Score'
+) do |param|
+  param.description = 'Credit history score from credit bureau'
+  param.data_type = 'integer'
+  param.type = 'credit_history'
+  param.weight = 0.4
+  param.min_value = 300
+  param.max_value = 850
+  param.active = true
+  param.approved_by = admin_user
+  param.created_by = admin_user
+  param.expires_at = 1.year.from_now
+end
+
+scoring_param3 = Dscf::Credit::ScoringParameter.find_or_create_by(
+  bank: bank1,
+  name: 'Employment Type'
+) do |param|
+  param.description = 'Type of employment (permanent, contract, self-employed)'
+  param.data_type = 'string'
+  param.type = 'employment'
+  param.weight = 0.2
+  param.active = true
+  param.approved_by = bank_admin
+  param.created_by = admin_user
+  param.expires_at = 1.year.from_now
+end
+
+# 8. Parameter Normalizers (depends on scoring parameters)
+puts "Seeding parameter normalizers..."
+# Ensure we have the scoring parameter reference
+employment_param = Dscf::Credit::ScoringParameter.find_by(bank: bank1, name: 'Employment Type')
+
+Dscf::Credit::ParameterNormalizer.find_or_create_by(
+  scoring_parameter: employment_param,
+  raw_value: 'permanent'
+) do |normalizer|
+  normalizer.name = 'Permanent Employment'
+  normalizer.description = 'Full-time permanent employment'
+  normalizer.normalized_value = 100
+end
+
+Dscf::Credit::ParameterNormalizer.find_or_create_by(
+  scoring_parameter: employment_param,
+  raw_value: 'contract'
+) do |normalizer|
+  normalizer.name = 'Contract Employment'
+  normalizer.description = 'Contract-based employment'
+  normalizer.normalized_value = 70
+end
+
+Dscf::Credit::ParameterNormalizer.find_or_create_by(
+  scoring_parameter: employment_param,
+  raw_value: 'self_employed'
+) do |normalizer|
+  normalizer.name = 'Self Employed'
+  normalizer.description = 'Self-employed individual'
+  normalizer.normalized_value = 60
+end
+
+# 8.5. Scoring Tables (depends on credit lines and scoring parameters)
+puts "Seeding scoring tables..."
+# Get references to scoring parameters
+monthly_income_param = Dscf::Credit::ScoringParameter.find_by(bank: bank1, name: 'Monthly Income')
+credit_history_param = Dscf::Credit::ScoringParameter.find_by(bank: bank1, name: 'Credit History Score')
+employment_param = Dscf::Credit::ScoringParameter.find_by(bank: bank1, name: 'Employment Type')
+
+# Create scoring tables for credit_line1 (SME Credit Line)
+if monthly_income_param
+  Dscf::Credit::ScoringTable.find_or_create_by(
+    credit_line: credit_line1,
+    scoring_parameter: monthly_income_param
+  ) do |scoring_table|
+    scoring_table.weight = 0.4
+    scoring_table.active = true
+    scoring_table.created_by = admin_user
+  end
+end
+
+if credit_history_param
+  Dscf::Credit::ScoringTable.find_or_create_by(
+    credit_line: credit_line1,
+    scoring_parameter: credit_history_param
+  ) do |scoring_table|
+    scoring_table.weight = 0.35
+    scoring_table.active = true
+    scoring_table.created_by = admin_user
+  end
+end
+
+if employment_param
+  Dscf::Credit::ScoringTable.find_or_create_by(
+    credit_line: credit_line1,
+    scoring_parameter: employment_param
+  ) do |scoring_table|
+    scoring_table.weight = 0.25
+    scoring_table.active = true
+    scoring_table.created_by = admin_user
+  end
+end
+
+# Create scoring tables for credit_line2 (Personal Credit Line)
+if monthly_income_param
+  Dscf::Credit::ScoringTable.find_or_create_by(
+    credit_line: credit_line2,
+    scoring_parameter: monthly_income_param
+  ) do |scoring_table|
+    scoring_table.weight = 0.5
+    scoring_table.active = true
+    scoring_table.created_by = admin_user
+  end
+end
+
+if credit_history_param
+  Dscf::Credit::ScoringTable.find_or_create_by(
+    credit_line: credit_line2,
+    scoring_parameter: credit_history_param
+  ) do |scoring_table|
+    scoring_table.weight = 0.3
+    scoring_table.active = true
+    scoring_table.created_by = admin_user
+  end
+end
+
+if employment_param
+  Dscf::Credit::ScoringTable.find_or_create_by(
+    credit_line: credit_line2,
+    scoring_parameter: employment_param
+  ) do |scoring_table|
+    scoring_table.weight = 0.2
+    scoring_table.active = true
+    scoring_table.created_by = admin_user
+  end
+end
+
+# 9. Loan Profiles (depends on banks and users)
+puts "Seeding loan profiles..."
+loan_profile1 = Dscf::Credit::LoanProfile.find_or_create_by(
+  bank: bank1,
+  user: user2
+) do |profile|
+  profile.status = 'approved'
+  profile.total_amount = 100000.00
+  profile.available_amount = 75000.00
+  profile.approved_by = bank_admin
+  # Note: backer will be set when facilitators are created via API
+end
+
+# 12. Loan Profile Scoring Specs (depends on loan profiles)
+puts "Seeding loan profile scoring specs..."
+Dscf::Credit::LoanProfileScoringSpec.create!(
+  loan_profile: loan_profile1,
+  scoring_input_data: {
+    'monthly_income' => 45000,
+    'credit_history_score' => 720,
+    'employment_type' => 'permanent',
+    'years_at_job' => 3,
+    'existing_debt' => 15000
+  },
+  score: 78.5,
+  active: true,
+  approved_by: admin_user,
+  created_by: admin_user,
+  expires_at: 6.months.from_now
+)
+
+# 13. Payment Requests (depends on users)
+puts "Seeding payment requests..."
+payment_request1 = Dscf::Credit::PaymentRequest.create!(
+  user: user2,
+  order_id: "ORD-#{Time.current.to_i}-001",
+  request_type: 'loan_disbursement',
+  amount: 50000.00,
+  receiver_account_reference: 'ACC-BORROWER-001',
+  status: 'approved',
+  initiated_at: 2.days.ago,
+  approved_at: 1.day.ago
+)
+
+payment_request2 = Dscf::Credit::PaymentRequest.create!(
+  user: user2,
+  order_id: "ORD-#{Time.current.to_i}-002",
+  request_type: 'loan_repayment',
+  amount: 15000.00,
+  receiver_account_reference: 'ACC-BANK-001',
+  status: 'pending',
+  initiated_at: 1.hour.ago
+)
+
+# 14. Loans (depends on loan profiles, credit lines, and payment requests)
+puts "Seeding loans..."
+loan1 = Dscf::Credit::Loan.create!(
+  loan_profile: loan_profile1,
+  credit_line: credit_line1,
+  payment_request: payment_request1,
+  status: 'active',
+  principal_amount: 50000.00,
+  accrued_interest: 2500.00,
+  accrued_penalty: 0.00,
+  facilitation_fee: 1000.00,
+  total_loan_amount: 53500.00,
+  remaining_amount: 53500.00,
+  due_date: 3.months.from_now.to_date,
+  disbursed_at: 1.day.ago
+)
+
+# 15. Loan Transactions (depends on loans)
+puts "Seeding loan transactions..."
+Dscf::Credit::LoanTransaction.create!(
+  loan: loan1,
+  transaction_type: 'disbursement',
+  amount: 50000.00,
+  transaction_reference: "TXN-DISB-#{Time.current.to_i}",
+  status: 'completed'
+)
+
+Dscf::Credit::LoanTransaction.create!(
+  loan: loan1,
+  transaction_type: 'interest_accrual',
+  amount: 2500.00,
+  transaction_reference: "TXN-INT-#{Time.current.to_i}",
+  status: 'completed'
+)
+
+# 16. Daily Routine Transactions (depends on loans)
+puts "Seeding daily routine transactions..."
+Dscf::Credit::DailyRoutineTransaction.create!(
+  loan: loan1,
+  routine_type: 'interest_calculation',
+  amount: 83.33,
+  status: 'completed',
+  initiated_at: Date.current.beginning_of_day,
+  approved_at: Date.current.beginning_of_day + 1.hour
+)
+
+# 17. Payments (depends on payment requests)
+puts "Seeding payments..."
+Dscf::Credit::Payment.create!(
+  payment_request: payment_request1,
+  amount: 50000.00,
+  receiver_account_reference: 'ACC-BORROWER-001',
+  transaction_reference: "PAY-#{Time.current.to_i}-001",
+  status: 'completed',
+  processed_at: 1.day.ago
+)
+
+# 18. Accounting Audit Requests (depends on various entities)
+puts "Seeding accounting audit requests..."
+audit_request1 = Dscf::Credit::AccountingAuditRequest.create!(
+  source_entity: loan1,
+  transaction_type: 'debit',
+  amount: 50000.00,
+  webhook_key: "WEBHOOK-#{SecureRandom.hex(16)}",
+  status: 'completed'
+)
+
+Dscf::Credit::AccountingAuditRequest.create!(
+  source_entity: payment_request1,
+  transaction_type: 'transfer',
+  amount: 50000.00,
+  webhook_key: "WEBHOOK-#{SecureRandom.hex(16)}",
+  status: 'pending'
+)
+
+# 19. Accounting Entries (depends on audit requests)
+puts "Seeding accounting entries..."
+Dscf::Credit::AccountingEntry.create!(
+  audit_request: audit_request1,
+  account_code: 'LOAN_ASSET_001',
+  entry_type: 'debit',
+  amount: 50000.00,
+  status: 'completed'
+)
+
+Dscf::Credit::AccountingEntry.create!(
+  audit_request: audit_request1,
+  account_code: 'CASH_001',
+  entry_type: 'credit',
+  amount: 50000.00,
+  status: 'completed'
+)
+
+# 20. Failed Operations Logs (depends on various entities)
+puts "Seeding failed operations logs..."
+Dscf::Credit::FailedOperationsLog.create!(
+  entity: payment_request2,
+  failure_type: 'payment_processing',
+  reason: 'Payment gateway did not respond within timeout period',
+  retry_count: 2,
+  resolved: false
+)
+
+puts "DSCF Credit Engine seed data completed successfully!"
+puts "Created sample data for all models with proper relationships."
+puts "Summary:"
+puts "- Users: #{Dscf::Core::User.count}"
+puts "- Business Types: #{Dscf::Core::BusinessType.count}"
+puts "- Businesses: #{Dscf::Core::Business.count}"
+puts "- Banks: #{Dscf::Credit::Bank.count}"
+puts "- Bank Branches: #{Dscf::Credit::BankBranch.count}"
+puts "- Bank Staff: #{Dscf::Credit::BankStaff.count}"
+puts "- Categories: #{Dscf::Credit::Category.count}"
+puts "- Credit Lines: #{Dscf::Credit::CreditLine.count}"
+puts "- Loan Profiles: #{Dscf::Credit::LoanProfile.count}"
+puts "- Loans: #{Dscf::Credit::Loan.count}"
+puts "- Payment Requests: #{Dscf::Credit::PaymentRequest.count}"
+puts "- Payments: #{Dscf::Credit::Payment.count}"
+puts "- Facilitators: #{Dscf::Credit::Facilitator.count} (will be created via API)"
+puts "- System Configs: #{Dscf::Credit::SystemConfig.count}"
+puts "- Scoring Parameters: #{Dscf::Credit::ScoringParameter.count}"
+puts "- Scoring Tables: #{Dscf::Credit::ScoringTable.count}"