dscf-credit 0.1.2 → 0.1.3

data/app/services/dscf/credit/scoring_service.rb

@@ -0,0 +1,297 @@
+module Dscf::Credit
+  class ScoringService
+    attr_reader :loan_profile
+
+    def initialize(loan_profile)
+      @loan_profile = loan_profile
+    end
+
+    # Calculate credit score for a loan profile using the eligibility category scoring table
+    # @param external_scoring_data [Hash] Optional external scoring input data
+    # @return [Hash] Result containing score, total_limit, and success status
+    def calculate_credit_score(external_scoring_data = nil)
+      eligibility_category = find_eligibility_category
+      return error_result("Eligibility category not found") unless eligibility_category
+
+      scoring_tables = eligibility_category.scoring_tables.active.includes(:scoring_parameter)
+      return error_result("No active scoring parameters found for eligibility category") if scoring_tables.empty?
+
+      scoring_data = get_scoring_data(external_scoring_data)
+      score = calculate_weighted_score(scoring_tables, scoring_data)
+      facility_limit = calculate_facility_limit(score, scoring_data)
+
+      success_result(score, facility_limit)
+    rescue StandardError => e
+      error_result("Score calculation failed: #{e.message}")
+    end
+
+    private
+
+    def get_scoring_data(external_scoring_data)
+      if external_scoring_data.present?
+        external_scoring_data
+      else
+        extract_scoring_data_from_profile
+      end
+    end
+
+    def extract_scoring_data_from_profile
+      latest_spec = loan_profile.loan_profile_scoring_specs.order(created_at: :desc).first
+
+      if latest_spec&.scoring_input_data.present? && !latest_spec.scoring_input_data.empty?
+        default_data = prepare_scoring_data
+        default_data.merge(latest_spec.scoring_input_data.symbolize_keys)
+      else
+        prepare_scoring_data
+      end
+    end
+
+    def find_eligibility_category
+      Dscf::Credit::Category.find_by(type: "eligibility", name: "default") ||
+        Dscf::Credit::Category.find_by(type: "eligibility")
+    end
+
+    def prepare_scoring_data
+      {
+        average_daily_purchase: extract_average_daily_purchase,
+        years_at_location: extract_years_at_location,
+        marital_status: extract_marital_status,
+        dependents_count: extract_dependents_count,
+        education_level: extract_education_level,
+        bill_payment_timing: extract_bill_payment_timing,
+        other_accounts: extract_other_accounts,
+        money_preference: extract_money_preference,
+        business_license: extract_business_license,
+        bank_statements: extract_bank_statements,
+        transaction_frequency: extract_transaction_frequency,
+        purchase_volume: extract_purchase_volume,
+        cancellation_rate: extract_cancellation_rate,
+        reliability_score: extract_reliability_score
+      }
+    end
+
+    # Calculate weighted score based on scoring parameters
+    def calculate_weighted_score(scoring_tables, scoring_data)
+      total_score = 0.0
+      total_weight = 0.0
+
+      scoring_tables.each do |table|
+        parameter = table.scoring_parameter
+        raw_value = find_parameter_value(parameter, scoring_data)
+
+        next if raw_value.nil?
+
+        normalized_score = normalize_parameter_value(parameter, raw_value)
+        weighted_score = normalized_score * table.weight
+
+        total_score += weighted_score
+        total_weight += table.weight
+      end
+
+      return 0.0 if total_weight.zero?
+
+      (total_score / total_weight) * 100
+    end
+
+    # Find parameter value from scoring data using flexible key matching
+    def find_parameter_value(parameter, scoring_data)
+      param_name = parameter.name
+
+      # Try exact match first
+      if scoring_data.key?(param_name.to_sym)
+        return scoring_data[param_name.to_sym]
+      end
+
+      if scoring_data.key?(param_name)
+        return scoring_data[param_name]
+      end
+
+      # Try snake_case version
+      snake_case_name = param_name.downcase.gsub(/\s+/, "_")
+      if scoring_data.key?(snake_case_name.to_sym)
+        return scoring_data[snake_case_name.to_sym]
+      end
+
+      if scoring_data.key?(snake_case_name)
+        return scoring_data[snake_case_name]
+      end
+
+      # Try common mappings
+      case param_name.downcase
+      when "monthly income"
+        scoring_data[:monthly_income] || scoring_data["monthly_income"]
+      when "credit history score"
+        scoring_data[:credit_history_score] || scoring_data["credit_history_score"]
+      when "employment type"
+        scoring_data[:employment_type] || scoring_data["employment_type"]
+      else
+        nil
+      end
+    end
+
+    # Calculate facility limit based on score and business metrics
+    def calculate_facility_limit(score, scoring_data)
+      return 0 if score < 50 # Below 50% score = no facility
+
+      average_daily_purchase = scoring_data[:average_daily_purchase] || 0
+
+      credit_line_multiplier = get_default_credit_line_multiplier
+
+      base_limit = average_daily_purchase * credit_line_multiplier * (score / 100.0)
+
+      apply_limit_constraints(base_limit)
+    end
+
+    # Get default credit line multiplier from the bank's approved credit line specs
+    def get_default_credit_line_multiplier
+      return 30.0 unless loan_profile.bank
+
+      credit_line_spec = loan_profile.bank.credit_lines.approved
+                                     .joins(:credit_line_specs)
+                                     .merge(Dscf::Credit::CreditLineSpec.active)
+                                     .select("dscf_credit_credit_line_specs.credit_line_multiplier")
+                                     .first&.credit_line_specs&.active&.first
+
+      credit_line_spec&.credit_line_multiplier || 30.0
+    end
+
+    def apply_limit_constraints(base_limit)
+      min_limit = get_bank_config("min_credit_limit", 0)
+      max_limit = get_bank_config("max_credit_limit", 1000000)
+
+      return 0 if base_limit < min_limit
+      return max_limit if base_limit > max_limit
+
+      base_limit
+    end
+
+    # Get bank configuration value from system configs
+    def get_bank_config(config_key, default_value)
+      return default_value unless loan_profile.bank
+
+      config_definition = loan_profile.bank.system_config_definitions
+                                          .find_by(config_key: config_key)
+      return default_value unless config_definition
+
+      system_config = Dscf::Credit::SystemConfig.approved
+                                                .find_by(config_definition: config_definition)
+
+      if system_config&.config_value
+        numeric_value = system_config.config_value.to_f
+        numeric_value > 0 ? numeric_value : default_value
+      else
+        default_value
+      end
+    end
+
+    # Normalize parameter value to 0-1 scale
+    def normalize_parameter_value(parameter, raw_value)
+      case parameter.data_type
+      when "boolean"
+        raw_value ? 1.0 : 0.0
+      when "integer", "decimal"
+        normalize_numeric_value(parameter, raw_value.to_f)
+      when "string"
+        normalize_string_value(parameter, raw_value)
+      else
+        0.5 # Default neutral score
+      end
+    end
+
+    def normalize_numeric_value(parameter, value)
+      min_val = parameter.min_value || 0
+      max_val = parameter.max_value || 100
+
+      return 0.0 if value < min_val
+      return 1.0 if value > max_val
+
+      (value - min_val) / (max_val - min_val)
+    end
+
+    def normalize_string_value(parameter, value)
+      normalizer = parameter.parameter_normalizers.find { |n| n.raw_value == value }
+      return normalizer.normalized_value if normalizer
+
+      case value.downcase
+      when "excellent", "high", "good" then 1.0
+      when "fair", "medium", "average" then 0.7
+      when "poor", "low", "bad" then 0.3
+      else 0.5
+      end
+    end
+
+    def extract_average_daily_purchase
+      5000.0 # Default average daily purchase
+    end
+
+    def extract_years_at_location
+      2 # Default years at current location
+    end
+
+    def extract_marital_status
+      "single" # Default marital status
+    end
+
+    def extract_dependents_count
+      0 # Default number of dependents
+    end
+
+    def extract_education_level
+      "bachelor" # Default education level
+    end
+
+    def extract_bill_payment_timing
+      "on_time" # Default payment timing
+    end
+
+    def extract_other_accounts
+      false # Default: no other active accounts
+    end
+
+    def extract_money_preference
+      "save" # Default money preference
+    end
+
+    def extract_business_license
+      false # Default: no business license
+    end
+
+    def extract_bank_statements
+      true # Default: bank statements available
+    end
+
+    def extract_transaction_frequency
+      15 # Default monthly transaction frequency
+    end
+
+    def extract_purchase_volume
+      50000.0 # Default monthly purchase volume
+    end
+
+    def extract_cancellation_rate
+      0.05 # Default 5% cancellation rate
+    end
+
+    def extract_reliability_score
+      75.0 # Default reliability score (0-100)
+    end
+
+    def success_result(score, facility_limit)
+      {
+        success: true,
+        score: score.round(2),
+        facility_limit: facility_limit.round(2),
+        message: "Credit score calculated successfully"
+      }
+    end
+
+    def error_result(message)
+      {
+        success: false,
+        score: 0,
+        facility_limit: 0,
+        error: message
+      }
+    end
+  end
+end

data/config/locales/en.yml

@@ -77,6 +77,25 @@ en:
       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"
@@ -157,6 +176,20 @@ en:
       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:
       index: "System config definitions retrieved successfully"
@@ -225,6 +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:
@@ -234,6 +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

@@ -19,14 +19,19 @@ Dscf::Credit::Engine.routes.draw do
     end
   end
 
-  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 :payment_requests
   resources :scoring_parameters do
     member do
       patch "approve"
@@ -54,6 +59,11 @@ Dscf::Credit::Engine.routes.draw do
     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
@@ -64,4 +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/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/20250822092246_create_dscf_credit_loan_profiles.rb

@@ -7,9 +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 :reviewed_by, polymorphic: true, null: false
+      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

data/db/migrate/20250822092417_create_dscf_credit_loan_profile_scoring_specs.rb

@@ -2,22 +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 :reviewed_by, polymorphic: true, null: false
-      t.datetime :review_date
-      t.jsonb :review_feedback, default: {}
+      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, [ :reviewed_by_type, :reviewed_by_id ]
-    add_index :dscf_credit_loan_profile_scoring_specs, :review_date
     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/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