dscf-credit 0.1.1 → 0.1.3

data/config/locales/en.yml

@@ -41,20 +41,61 @@ en:
       update: "Failed to update bank staff"
       destroy: "Failed to remove bank staff"
 
+  scoring_param_type:
+    success:
+      index: "Scoring parameter types retrieved successfully"
+      show: "Scoring parameter type details retrieved successfully"
+      create: "Scoring parameter type created successfully"
+      update: "Scoring parameter type updated successfully"
+      destroy: "Scoring parameter type deleted successfully"
+    errors:
+      index: "Failed to retrieve scoring parameter types"
+      show: "Failed to retrieve scoring parameter type details"
+      create: "Failed to create scoring parameter type"
+      update: "Failed to update scoring parameter type"
+      destroy: "Failed to delete scoring parameter type"
+
   scoring_parameter:
     success:
       index: "Scoring parameters retrieved successfully"
       show: "Scoring parameter details retrieved successfully"
       create: "Scoring parameter created successfully"
       update: "Scoring parameter updated successfully"
+      approve: "Scoring parameter approved successfully"
+      reject: "Scoring parameter rejected successfully"
+      request_modification: "Modification requested for scoring parameter successfully"
+      resubmit: "Scoring parameter resubmitted successfully"
       destroy: "Scoring parameter deleted successfully"
     errors:
       index: "Failed to retrieve scoring parameters"
       show: "Failed to retrieve scoring parameter details"
       create: "Failed to create scoring parameter"
       update: "Failed to update scoring parameter"
+      approve: "Failed to approve scoring parameter"
+      reject: "Failed to reject scoring parameter"
+      request_modification: "Failed to request modification for scoring parameter"
+      resubmit: "Failed to resubmit scoring parameter"
       destroy: "Failed to delete scoring parameter"
 
+  loan_profile:
+    success:
+      index: "Loan profiles retrieved successfully"
+      show: "Loan profile details retrieved successfully"
+      create: "Loan profile created successfully"
+      update: "Loan profile updated successfully"
+      approve: "Loan profile approved successfully"
+      reject: "Loan profile rejected successfully"
+      calculate_score: "Credit score calculated successfully"
+    errors:
+      index: "Failed to retrieve loan profiles"
+      show: "Failed to retrieve loan profile details"
+      create: "Failed to create loan profile"
+      update: "Failed to update loan profile"
+      approve: "Failed to approve loan profile"
+      reject: "Failed to reject loan profile"
+      calculate_score: "Failed to calculate credit score"
+      not_found: "Loan profile not found"
+
   parameter_normalizer:
     success:
       index: "Parameter normalizers retrieved successfully"
@@ -75,20 +116,24 @@ en:
       show: "Facilitator details retrieved successfully"
       create: "Facilitator created successfully"
       update: "Facilitator updated successfully"
-      approved: "Facilitator approved successfully"
-      rejected: "Facilitator rejected successfully"
-      limit_updated: "Facilitator limit updated successfully"
-      additional_info_submitted: "Additional information submitted successfully"
+      approve: "Facilitator approved successfully"
+      reject: "Facilitator rejected successfully"
+      set_limit: "Facilitator limit updated successfully"
+      submit_additional_info: "Additional information submitted successfully"
+      request_modification: "Modification requested for facilitator successfully"
+      resubmit: "Facilitator resubmitted successfully"
       batch_created_all: "All facilitators created successfully"
       batch_created_partial: "Batch processing completed with partial success"
     errors:
       create: "Failed to create facilitator"
       update: "Failed to update facilitator"
       show: "Failed to retrieve facilitator details"
-      approval_failed: "Failed to approve facilitator"
-      rejection_failed: "Failed to reject facilitator"
-      limit_update_failed: "Failed to update facilitator limit"
-      additional_info_failed: "Failed to submit additional information"
+      approve: "Failed to approve facilitator"
+      reject: "Failed to reject facilitator"
+      set_limit: "Failed to update facilitator limit"
+      submit_additional_info: "Failed to submit additional information"
+      request_modification: "Failed to request modification for facilitator"
+      resubmit: "Failed to resubmit facilitator"
       no_business: "User must have a business associated to become a facilitator"
       invalid_batch_format: "Invalid batch format"
       empty_batch: "Empty batch provided"
@@ -118,6 +163,8 @@ en:
       approve: "Credit line approved successfully"
       reject: "Credit line rejected successfully"
       destroy: "Credit line deleted successfully"
+      request_modification: "Modification requested successfully"
+      resubmit: "Credit line resubmitted successfully"
     errors:
       index: "Failed to retrieve credit lines"
       show: "Failed to retrieve credit line details"
@@ -126,6 +173,22 @@ en:
       approve: "Failed to approve credit line"
       reject: "Failed to reject credit line"
       destroy: "Failed to delete credit line"
+      request_modification: "Failed to request modification"
+      resubmit: "Failed to resubmit credit line"
+
+  eligible_credit_line:
+    success:
+      index: "Eligible credit lines retrieved successfully"
+      show: "Eligible credit line details retrieved successfully"
+      create: "Eligible credit line created successfully"
+      update: "Eligible credit line updated successfully"
+      apply_risk: "Risk applied successfully"
+    errors:
+      index: "Failed to retrieve eligible credit lines"
+      show: "Failed to retrieve eligible credit line details"
+      create: "Failed to create eligible credit line"
+      update: "Failed to update eligible credit line"
+      apply_risk: "Failed to apply risk"
 
   system_config_definition:
     success:
@@ -147,12 +210,20 @@ en:
       show: "System config details retrieved successfully"
       create: "System config created successfully"
       update: "System config updated successfully"
+      approve: "System config approved successfully"
+      reject: "System config rejected successfully"
+      request_modification: "Modification requested for system config successfully"
+      resubmit: "System config resubmitted successfully"
       destroy: "System config deleted successfully"
     errors:
       index: "Failed to retrieve system configs"
       show: "Failed to retrieve system config details"
       create: "Failed to create system config"
       update: "Failed to update system config"
+      approve: "Failed to approve system config"
+      reject: "Failed to reject system config"
+      request_modification: "Failed to request modification for system config"
+      resubmit: "Failed to resubmit system config"
       destroy: "Failed to delete system config"
 
   category:
@@ -187,6 +258,24 @@ en:
       deactivate: "Failed to deactivate scoring table"
       destroy: "Failed to delete scoring table"
 
+  payment_request:
+    success:
+      index: "Payment requests retrieved successfully"
+      show: "Payment request details retrieved successfully"
+      create: "Payment request created successfully"
+      update: "Payment request updated successfully"
+      approve: "Payment request approved successfully"
+      eligible_credit_lines: "Eligible credit lines retrieved successfully"
+      destroy: "Payment request deleted successfully"
+    errors:
+      index: "Failed to retrieve payment requests"
+      show: "Failed to retrieve payment request details"
+      create: "Failed to create payment request"
+      update: "Failed to update payment request"
+      approve: "Failed to approve payment request"
+      eligible_credit_lines: "Failed to retrieve eligible credit lines"
+      destroy: "Failed to delete payment request"
+
   # Global messages
   operations:
     success:
@@ -196,6 +285,34 @@ en:
       failed: "Operation failed"
       not_found: "Resource not found"
 
+  loan_profile:
+    success:
+      calculate_score: "Credit score calculated successfully"
+    errors:
+      calculate_score: "Failed to calculate credit score"
+      not_found: "Loan profile not found"
+
+  credit_limit_calculation:
+    success:
+      create: "Credit limits calculated successfully"
+    errors:
+      create: "Failed to calculate credit limits"
+      not_found: "Loan profile or category not found"
+
+  disbursement:
+    success:
+      create: "Disbursement processed successfully"
+    errors:
+      create: "Failed to process disbursement"
+      not_found: "Credit line or payment request not found"
+
+  repayment:
+    success:
+      create: "Repayment processed successfully"
+    errors:
+      create: "Failed to process repayment"
+      not_found: "Loan not found"
+
   errors:
     validation_failed: "Validation failed"
     access_denied: "Access denied"

data/config/routes.rb

@@ -4,39 +4,66 @@ Dscf::Credit::Engine.routes.draw do
   resources :bank_branches
   resources :payments, only: [ :index, :show, :create, :update, :destroy ]
   resources :loans, only: [ :index, :show, :create, :update, :destroy ]
+  resources :scoring_param_types
 
   resources :facilitators, only: [ :index, :show, :create, :update, :destroy ] do
     collection do
       post "batch_create", to: "facilitators#batch_create"
+      post "additional_info", to: "facilitators#submit_additional_info"
     end
     member do
       patch "approve", to: "facilitators#approve"
       patch "reject", to: "facilitators#reject"
+      patch "request_modification", to: "facilitators#request_modification"
       patch "set_limit", to: "facilitators#set_limit"
     end
   end
 
-  post "facilitators/additional_info", to: "facilitators#submit_additional_info"
-
-  resources :loan_profiles, only: [ :index, :show, :create, :update, :destroy ] do
+  resources :loan_profiles do
     member do
-      get "kyc_review", to: "kyc_reviews#show"
-      patch "kyc_review", to: "kyc_reviews#update"
+      patch "approve"
+      patch "reject"
+      post "calculate_score"
+    end
+  end
+  resources :payment_requests do
+    member do
+      patch "approve"
+      get "eligible_credit_lines"
+    end
+  end
+  resources :scoring_parameters do
+    member do
+      patch "approve"
+      patch "reject"
+      patch "request_modification"
+      patch "resubmit"
     end
   end
-
-  resources :payment_requests
-  resources :scoring_parameters
   resources :parameter_normalizers
-  resources :system_configs
+  resources :system_configs do
+    member do
+      patch "approve"
+      patch "reject"
+      patch "request_modification"
+      patch "resubmit"
+    end
+  end
   resources :system_config_definitions
   resources :credit_lines do
     member do
-      patch "approve", to: "credit_lines#approve"
-      patch "reject", to: "credit_lines#reject"
+      patch "approve"
+      patch "reject"
+      patch "request_modification"
+      patch "resubmit"
     end
   end
   resources :credit_line_specs
+  resources :eligible_credit_lines do
+    member do
+      patch "apply_risk", to: "eligible_credit_lines#apply_risk"
+    end
+  end
   resources :categories
   resources :scoring_tables do
     member do
@@ -47,4 +74,8 @@ Dscf::Credit::Engine.routes.draw do
   resources :users
   resources :kyc_reviews, only: [ :index, :show ]
   resources :bank_staffs
+
+  resources :credit_limit_calculations, only: [ :create ]
+  resources :disbursements, only: [ :create ]
+  resources :repayments, only: [ :create ]
 end

data/db/migrate/20250822091011_create_dscf_credit_categories.rb

@@ -4,12 +4,14 @@ class CreateDscfCreditCategories < ActiveRecord::Migration[8.0]
       t.string :type, null: false
       t.string :name, null: false
       t.text :description
+      t.string :document_reference
 
       t.timestamps
     end
 
     add_index :dscf_credit_categories, :type
     add_index :dscf_credit_categories, :name
+    add_index :dscf_credit_categories, :document_reference
     add_index :dscf_credit_categories, [ :type, :name ], unique: true
   end
 end

data/db/migrate/20250822091131_create_dscf_credit_credit_lines.rb

@@ -8,8 +8,10 @@ class CreateDscfCreditCreditLines < ActiveRecord::Migration[8.0]
       t.text :description
       t.string :status, default: 'pending'
       t.references :created_by, polymorphic: true, null: false
-      t.references :approved_by, polymorphic: true, null: true
-      t.datetime :approval_date
+      t.references :reviewed_by, polymorphic: true, null: true
+      t.datetime :review_date
+      t.jsonb :review_feedback, default: {}
+      t.string :document_reference
 
       t.timestamps
     end
@@ -18,8 +20,9 @@ class CreateDscfCreditCreditLines < ActiveRecord::Migration[8.0]
     add_index :dscf_credit_credit_lines, :code
     add_index :dscf_credit_credit_lines, :status
     add_index :dscf_credit_credit_lines, [ :created_by_type, :created_by_id ]
-    add_index :dscf_credit_credit_lines, [ :approved_by_type, :approved_by_id ]
-    add_index :dscf_credit_credit_lines, :approval_date
+    add_index :dscf_credit_credit_lines, [ :reviewed_by_type, :reviewed_by_id ]
+    add_index :dscf_credit_credit_lines, :review_date
+    add_index :dscf_credit_credit_lines, :document_reference
     add_index :dscf_credit_credit_lines, [ :bank_id, :code ], unique: true
   end
 end

data/db/migrate/20250822091527_create_dscf_credit_credit_line_specs.rb

@@ -8,6 +8,7 @@ class CreateDscfCreditCreditLineSpecs < ActiveRecord::Migration[8.0]
       t.decimal :penalty_rate, precision: 5, scale: 4, null: false
       t.decimal :facilitation_fee_rate, precision: 5, scale: 4, null: false
       t.decimal :tax_rate, precision: 5, scale: 4, null: false
+      t.decimal :credit_line_multiplier, precision: 5, scale: 2, null: false, default: 30.0
       t.integer :max_penalty_days, null: false
       t.integer :loan_duration, null: false
       t.string :interest_frequency, null: false

data/db/migrate/20250822091820_create_dscf_credit_system_configs.rb

@@ -5,13 +5,16 @@ class CreateDscfCreditSystemConfigs < ActiveRecord::Migration[8.0]
       t.text :config_value, null: false
       t.string :status, default: 'pending'
       t.references :last_updated_by, polymorphic: true, null: false
-      t.references :approved_by, polymorphic: true, null: false
+      t.references :reviewed_by, polymorphic: true, null: false
+      t.datetime :review_date
+      t.jsonb :review_feedback, default: {}
 
       t.timestamps
     end
 
     add_index :dscf_credit_system_configs, [ :last_updated_by_type, :last_updated_by_id ]
-    add_index :dscf_credit_system_configs, [ :approved_by_type, :approved_by_id ]
+    add_index :dscf_credit_system_configs, [ :reviewed_by_type, :reviewed_by_id ]
     add_index :dscf_credit_system_configs, :status
+    add_index :dscf_credit_system_configs, :review_date
   end
 end

data/db/migrate/20250822092040_create_dscf_credit_scoring_param_types.rb

@@ -0,0 +1,12 @@
+class CreateDscfCreditScoringParamTypes < ActiveRecord::Migration[8.0]
+  def change
+    create_table :dscf_credit_scoring_param_types do |t|
+      t.string :name, null: false
+      t.text :description
+
+      t.timestamps
+    end
+
+    add_index :dscf_credit_scoring_param_types, :name, unique: true
+  end
+end

data/db/migrate/20250822092050_create_dscf_credit_scoring_parameters.rb

@@ -5,26 +5,31 @@ class CreateDscfCreditScoringParameters < ActiveRecord::Migration[8.0]
       t.string :name, null: false
       t.text :description
       t.string :data_type, null: false
-      t.string :type, null: false
       t.decimal :weight, precision: 5, scale: 4, null: false
       t.decimal :min_value, precision: 15, scale: 2
       t.decimal :max_value, precision: 15, scale: 2
       t.boolean :active, default: true
       t.references :previous_version, foreign_key: { to_table: :dscf_credit_scoring_parameters }, null: true
       t.references :created_by, polymorphic: true, null: false
-      t.references :approved_by, polymorphic: true, null: false
-      t.datetime :expires_at
+      t.references :reviewed_by, polymorphic: true, null: false
+      t.datetime :review_date
+      t.jsonb :review_feedback, default: {}
+      t.string :source
+      t.references :scoring_param_type, null: false, foreign_key: { to_table: :dscf_credit_scoring_param_types }
+      t.string :document_reference
+      t.string :status, default: 'pending'
 
       t.timestamps
     end
 
     add_index :dscf_credit_scoring_parameters, :name
     add_index :dscf_credit_scoring_parameters, :data_type
-    add_index :dscf_credit_scoring_parameters, :type
     add_index :dscf_credit_scoring_parameters, :active
     add_index :dscf_credit_scoring_parameters, [ :created_by_type, :created_by_id ]
-    add_index :dscf_credit_scoring_parameters, [ :approved_by_type, :approved_by_id ]
-    add_index :dscf_credit_scoring_parameters, :expires_at
+    add_index :dscf_credit_scoring_parameters, [ :reviewed_by_type, :reviewed_by_id ]
+    add_index :dscf_credit_scoring_parameters, :review_date
+    add_index :dscf_credit_scoring_parameters, :source
+    add_index :dscf_credit_scoring_parameters, :document_reference
     add_index :dscf_credit_scoring_parameters, [ :bank_id, :name, :active ]
   end
 end

data/db/migrate/20250822092246_create_dscf_credit_loan_profiles.rb

@@ -7,8 +7,10 @@ class CreateDscfCreditLoanProfiles < ActiveRecord::Migration[8.0]
       t.string :status, default: 'pending'
       t.decimal :total_amount, precision: 15, scale: 2, default: 0
       t.decimal :available_amount, precision: 15, scale: 2, default: 0
-      t.references :approved_by, polymorphic: true, null: false
-      t.text :rejection_reason
+      t.references :reviewed_by, polymorphic: true
+      t.datetime :review_date
+      t.jsonb :review_feedback, default: {}
+      t.references :review_branch, null: true, foreign_key: { to_table: :dscf_credit_bank_branches }
 
       t.timestamps
     end
@@ -17,7 +19,8 @@ class CreateDscfCreditLoanProfiles < ActiveRecord::Migration[8.0]
     add_index :dscf_credit_loan_profiles, :total_amount
     add_index :dscf_credit_loan_profiles, :available_amount
     add_index :dscf_credit_loan_profiles, [ :backer_type, :backer_id ]
-    add_index :dscf_credit_loan_profiles, [ :approved_by_type, :approved_by_id ]
+    add_index :dscf_credit_loan_profiles, [ :reviewed_by_type, :reviewed_by_id ]
+    add_index :dscf_credit_loan_profiles, :review_date
     add_index :dscf_credit_loan_profiles, [ :bank_id, :user_id, :status ]
     add_index :dscf_credit_loan_profiles, [ :user_id, :status ]
     add_index :dscf_credit_loan_profiles, [ :total_amount, :available_amount ]

data/db/migrate/20250822092417_create_dscf_credit_loan_profile_scoring_specs.rb

@@ -2,21 +2,19 @@ class CreateDscfCreditLoanProfileScoringSpecs < ActiveRecord::Migration[8.0]
   def change
     create_table :dscf_credit_loan_profile_scoring_specs do |t|
       t.references :loan_profile, null: false, foreign_key: { to_table: :dscf_credit_loan_profiles }
-      t.jsonb :scoring_input_data, null: false
-      t.decimal :score, precision: 5, scale: 2, null: false
+      t.jsonb :scoring_input_data
+      t.decimal :score, precision: 5, scale: 2
+      t.decimal :total_limit, precision: 15, scale: 2
       t.boolean :active, default: true
-      t.references :created_by, polymorphic: true, null: false
-      t.references :approved_by, polymorphic: true, null: false
-      t.datetime :expires_at
+      t.references :created_by, polymorphic: true
 
       t.timestamps
     end
 
     add_index :dscf_credit_loan_profile_scoring_specs, :score
+    add_index :dscf_credit_loan_profile_scoring_specs, :total_limit
     add_index :dscf_credit_loan_profile_scoring_specs, :active
     add_index :dscf_credit_loan_profile_scoring_specs, [ :created_by_type, :created_by_id ]
-    add_index :dscf_credit_loan_profile_scoring_specs, [ :approved_by_type, :approved_by_id ]
-    add_index :dscf_credit_loan_profile_scoring_specs, :expires_at
     add_index :dscf_credit_loan_profile_scoring_specs, :scoring_input_data, using: :gin
     add_index :dscf_credit_loan_profile_scoring_specs, [ :loan_profile_id, :active ]
   end

data/db/migrate/20250822092436_create_dscf_credit_facilitators.rb

@@ -7,7 +7,9 @@ class CreateDscfCreditFacilitators < ActiveRecord::Migration[8.0]
       t.string :type, null: false
       t.decimal :total_limit, precision: 15, scale: 2
       t.string :kyc_status, default: 'pending'
-      t.references :kyc_approved_by, polymorphic: true, null: false
+      t.references :kyc_reviewed_by, polymorphic: true, null: false
+      t.datetime :kyc_review_date
+      t.jsonb :review_feedback, default: {}
 
       t.timestamps
     end
@@ -15,7 +17,8 @@ class CreateDscfCreditFacilitators < ActiveRecord::Migration[8.0]
     add_index :dscf_credit_facilitators, :name
     add_index :dscf_credit_facilitators, :type
     add_index :dscf_credit_facilitators, :kyc_status
-    add_index :dscf_credit_facilitators, [ :kyc_approved_by_type, :kyc_approved_by_id ]
+    add_index :dscf_credit_facilitators, [ :kyc_reviewed_by_type, :kyc_reviewed_by_id ]
+    add_index :dscf_credit_facilitators, :kyc_review_date
     add_index :dscf_credit_facilitators, [ :bank_id, :user_id ], unique: true
     add_index :dscf_credit_facilitators, [ :user_id, :kyc_status ]
   end

data/db/migrate/20250822092528_create_dscf_credit_facilitator_performances.rb

@@ -9,7 +9,6 @@ class CreateDscfCreditFacilitatorPerformances < ActiveRecord::Migration[8.0]
       t.integer :previous_performance_id
       t.jsonb :input_data
       t.references :created_by, polymorphic: true, null: false
-      t.datetime :expires_at
 
       t.timestamps
     end
@@ -19,8 +18,6 @@ class CreateDscfCreditFacilitatorPerformances < ActiveRecord::Migration[8.0]
     add_index :dscf_credit_facilitator_performances, :total_outstanding_amount
     add_index :dscf_credit_facilitator_performances, :approval_required
     add_index :dscf_credit_facilitator_performances, [ :created_by_type, :created_by_id ]
-    add_index :dscf_credit_facilitator_performances, :expires_at
     add_index :dscf_credit_facilitator_performances, :input_data, using: :gin
-    add_index :dscf_credit_facilitator_performances, [ :facilitator_id, :expires_at ]
   end
 end

data/db/migrate/20250901172842_create_dscf_credit_scoring_tables.rb

@@ -1,7 +1,7 @@
 class CreateDscfCreditScoringTables < ActiveRecord::Migration[8.0]
   def change
     create_table :dscf_credit_scoring_tables do |t|
-      t.references :credit_line, null: false, foreign_key: { to_table: :dscf_credit_credit_lines }
+      t.references :category, null: false, foreign_key: { to_table: :dscf_credit_categories }
       t.references :scoring_parameter, null: false, foreign_key: { to_table: :dscf_credit_scoring_parameters }
       t.decimal :weight, precision: 5, scale: 4, null: false
       t.boolean :active, default: true
@@ -13,6 +13,6 @@ class CreateDscfCreditScoringTables < ActiveRecord::Migration[8.0]
     add_index :dscf_credit_scoring_tables, :weight
     add_index :dscf_credit_scoring_tables, :active
     add_index :dscf_credit_scoring_tables, [ :created_by_type, :created_by_id ]
-    add_index :dscf_credit_scoring_tables, [ :credit_line_id, :scoring_parameter_id ], unique: true, name: 'index_scoring_tables_on_credit_line_and_scoring_parameter'
+    add_index :dscf_credit_scoring_tables, [ :category_id, :scoring_parameter_id ], unique: true, name: 'index_scoring_tables_on_category_and_scoring_parameter'
   end
 end

data/db/migrate/20250917120000_create_dscf_credit_eligible_credit_lines.rb

@@ -0,0 +1,18 @@
+class CreateDscfCreditEligibleCreditLines < ActiveRecord::Migration[8.0]
+  def change
+    create_table :dscf_credit_eligible_credit_lines do |t|
+      t.references :loan_profile, null: false, foreign_key: { to_table: :dscf_credit_loan_profiles }
+      t.references :credit_line, null: false, foreign_key: { to_table: :dscf_credit_credit_lines }
+      t.decimal :credit_limit, precision: 15, scale: 2, null: false
+      t.decimal :available_limit, precision: 15, scale: 2, null: false
+      t.decimal :risk, precision: 5, scale: 4, null: true
+
+      t.timestamps
+    end
+
+    add_index :dscf_credit_eligible_credit_lines, [ :loan_profile_id, :credit_line_id ]
+    add_index :dscf_credit_eligible_credit_lines, :credit_limit
+    add_index :dscf_credit_eligible_credit_lines, :available_limit
+    add_index :dscf_credit_eligible_credit_lines, :risk
+  end
+end