dscf-credit 0.1.2 → 0.1.3

data/db/seeds.rb

@@ -170,7 +170,7 @@ 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|
+cbe_head_office = 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'
@@ -343,6 +343,13 @@ corporate_category = Dscf::Credit::Category.find_or_create_by(type: 'credit_line
   category.description = 'Corporate credit category for large businesses'
 end
 
+# Add eligibility category for scoring
+eligibility_category = Dscf::Credit::Category.find_or_create_by(type: 'eligibility', name: 'default') do |category|
+  category.description = 'Default eligibility category for credit scoring'
+end
+
+puts "✓ Categories created/found"
+
 # 4.6. Scoring Param Types (independent)
 puts "Seeding scoring param types..."
 consumer_type = Dscf::Credit::ScoringParamType.find_or_create_by(name: 'Consumer') do |type|
@@ -448,10 +455,12 @@ scoring_param1 = Dscf::Credit::ScoringParameter.find_or_create_by(
   param.min_value = 0
   param.max_value = 1000000
   param.active = true
+  param.status = 'approved'
   param.reviewed_by = admin_user
   param.review_date = Time.current
   param.created_by = admin_user
   param.source = 'internal'
+  param.scoring_param_type = consumer_type
   param.document_reference = 'DOC-SP-001'
 end
 
@@ -465,10 +474,12 @@ scoring_param2 = Dscf::Credit::ScoringParameter.find_or_create_by(
   param.min_value = 300
   param.max_value = 850
   param.active = true
+  param.status = 'approved'
   param.reviewed_by = admin_user
   param.review_date = Time.current
   param.created_by = admin_user
   param.source = 'external'
+  param.scoring_param_type = consumer_type
   param.document_reference = 'DOC-SP-002'
 end
 
@@ -480,10 +491,12 @@ scoring_param3 = Dscf::Credit::ScoringParameter.find_or_create_by(
   param.data_type = 'string'
   param.weight = 0.2
   param.active = true
+  param.status = 'approved'
   param.reviewed_by = bank_admin
   param.review_date = Time.current
   param.created_by = admin_user
   param.source = 'internal'
+  param.scoring_param_type = consumer_type
   param.document_reference = 'DOC-SP-003'
 end
 
@@ -498,7 +511,7 @@ Dscf::Credit::ParameterNormalizer.find_or_create_by(
 ) do |normalizer|
   normalizer.name = 'Permanent Employment'
   normalizer.description = 'Full-time permanent employment'
-  normalizer.normalized_value = 100
+  normalizer.normalized_value = 1.0
 end
 
 Dscf::Credit::ParameterNormalizer.find_or_create_by(
@@ -507,7 +520,7 @@ Dscf::Credit::ParameterNormalizer.find_or_create_by(
 ) do |normalizer|
   normalizer.name = 'Contract Employment'
   normalizer.description = 'Contract-based employment'
-  normalizer.normalized_value = 70
+  normalizer.normalized_value = 0.7
 end
 
 Dscf::Credit::ParameterNormalizer.find_or_create_by(
@@ -516,7 +529,7 @@ Dscf::Credit::ParameterNormalizer.find_or_create_by(
 ) do |normalizer|
   normalizer.name = 'Self Employed'
   normalizer.description = 'Self-employed individual'
-  normalizer.normalized_value = 60
+  normalizer.normalized_value = 0.6
 end
 
 # 8.5. Scoring Tables (depends on credit lines and scoring parameters)
@@ -529,7 +542,7 @@ employment_param = Dscf::Credit::ScoringParameter.find_by(bank: bank1, name: 'Em
 # Create scoring tables for credit_line1 (SME Credit Line)
 if monthly_income_param
   Dscf::Credit::ScoringTable.find_or_create_by(
-    credit_line: credit_line1,
+    category: sme_category,
     scoring_parameter: monthly_income_param
   ) do |scoring_table|
     scoring_table.weight = 0.4
@@ -540,7 +553,7 @@ end
 
 if credit_history_param
   Dscf::Credit::ScoringTable.find_or_create_by(
-    credit_line: credit_line1,
+    category: sme_category,
     scoring_parameter: credit_history_param
   ) do |scoring_table|
     scoring_table.weight = 0.35
@@ -551,7 +564,7 @@ end
 
 if employment_param
   Dscf::Credit::ScoringTable.find_or_create_by(
-    credit_line: credit_line1,
+    category: sme_category,
     scoring_parameter: employment_param
   ) do |scoring_table|
     scoring_table.weight = 0.25
@@ -563,7 +576,7 @@ 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,
+    category: personal_category,
     scoring_parameter: monthly_income_param
   ) do |scoring_table|
     scoring_table.weight = 0.5
@@ -574,7 +587,7 @@ end
 
 if credit_history_param
   Dscf::Credit::ScoringTable.find_or_create_by(
-    credit_line: credit_line2,
+    category: personal_category,
     scoring_parameter: credit_history_param
   ) do |scoring_table|
     scoring_table.weight = 0.3
@@ -585,7 +598,7 @@ end
 
 if employment_param
   Dscf::Credit::ScoringTable.find_or_create_by(
-    credit_line: credit_line2,
+    category: personal_category,
     scoring_parameter: employment_param
   ) do |scoring_table|
     scoring_table.weight = 0.2
@@ -594,6 +607,40 @@ if employment_param
   end
 end
 
+# Create scoring tables for eligibility_category
+if monthly_income_param
+  Dscf::Credit::ScoringTable.find_or_create_by(
+    category: eligibility_category,
+    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(
+    category: eligibility_category,
+    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(
+    category: eligibility_category,
+    scoring_parameter: employment_param
+  ) do |scoring_table|
+    scoring_table.weight = 0.25
+    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(
@@ -604,11 +651,12 @@ loan_profile1 = Dscf::Credit::LoanProfile.find_or_create_by(
   profile.total_amount = 100000.00
   profile.available_amount = 75000.00
   profile.reviewed_by = bank_admin
+  profile.review_branch = cbe_head_office
   profile.review_date = Time.current
   # Note: backer will be set when facilitators are created via API
 end
 
-# 12. Loan Profile Scoring Specs (depends on loan profiles)
+# 10. Loan Profile Scoring Specs (depends on loan profiles)
 puts "Seeding loan profile scoring specs..."
 Dscf::Credit::LoanProfileScoringSpec.create!(
   loan_profile: loan_profile1,
@@ -617,16 +665,34 @@ Dscf::Credit::LoanProfileScoringSpec.create!(
     'credit_history_score' => 720,
     'employment_type' => 'permanent',
     'years_at_job' => 3,
-    'existing_debt' => 15000
+    'existing_debt' => 15000,
+    'average_daily_purchase' => 15000  # Wholesaler's average daily purchase volume
   },
   score: 78.5,
+  total_limit: 100000.00,
   active: true,
-  reviewed_by: admin_user,
-  review_date: Time.current,
   created_by: admin_user
 )
 
-# 13. Payment Requests (depends on users)
+# 11. Eligible Credit Lines (depends on loan profiles and credit lines)
+puts "Seeding eligible credit lines..."
+Dscf::Credit::EligibleCreditLine.create!(
+  loan_profile: loan_profile1,
+  credit_line: credit_line1,
+  credit_limit: 75000.00,
+  available_limit: 67500.00,
+  risk: 0.35
+)
+
+Dscf::Credit::EligibleCreditLine.create!(
+  loan_profile: loan_profile1,
+  credit_line: credit_line2,
+  credit_limit: 50000.00,
+  available_limit: 42500.00,
+  risk: 0.45
+)
+
+# 12. Payment Requests (depends on users)
 puts "Seeding payment requests..."
 payment_request1 = Dscf::Credit::PaymentRequest.create!(
   user: user2,
@@ -649,7 +715,7 @@ payment_request2 = Dscf::Credit::PaymentRequest.create!(
   initiated_at: 1.hour.ago
 )
 
-# 14. Loans (depends on loan profiles, credit lines, and payment requests)
+# 13. Loans (depends on loan profiles, credit lines, and payment requests)
 puts "Seeding loans..."
 loan1 = Dscf::Credit::Loan.create!(
   loan_profile: loan_profile1,
@@ -666,7 +732,7 @@ loan1 = Dscf::Credit::Loan.create!(
   disbursed_at: 1.day.ago
 )
 
-# 15. Loan Transactions (depends on loans)
+# 14. Loan Transactions (depends on loans)
 puts "Seeding loan transactions..."
 Dscf::Credit::LoanTransaction.create!(
   loan: loan1,
@@ -684,7 +750,7 @@ Dscf::Credit::LoanTransaction.create!(
   status: 'completed'
 )
 
-# 16. Daily Routine Transactions (depends on loans)
+# 15. Daily Routine Transactions (depends on loans)
 puts "Seeding daily routine transactions..."
 Dscf::Credit::DailyRoutineTransaction.create!(
   loan: loan1,
@@ -695,7 +761,7 @@ Dscf::Credit::DailyRoutineTransaction.create!(
   approved_at: Date.current.beginning_of_day + 1.hour
 )
 
-# 17. Payments (depends on payment requests)
+# 16. Payments (depends on payment requests)
 puts "Seeding payments..."
 Dscf::Credit::Payment.create!(
   payment_request: payment_request1,
@@ -706,7 +772,7 @@ Dscf::Credit::Payment.create!(
   processed_at: 1.day.ago
 )
 
-# 18. Accounting Audit Requests (depends on various entities)
+# 17. Accounting Audit Requests (depends on various entities)
 puts "Seeding accounting audit requests..."
 audit_request1 = Dscf::Credit::AccountingAuditRequest.create!(
   source_entity: loan1,
@@ -724,7 +790,7 @@ Dscf::Credit::AccountingAuditRequest.create!(
   status: 'pending'
 )
 
-# 19. Accounting Entries (depends on audit requests)
+# 18. Accounting Entries (depends on audit requests)
 puts "Seeding accounting entries..."
 Dscf::Credit::AccountingEntry.create!(
   audit_request: audit_request1,
@@ -742,7 +808,7 @@ Dscf::Credit::AccountingEntry.create!(
   status: 'completed'
 )
 
-# 20. Failed Operations Logs (depends on various entities)
+# 19. Failed Operations Logs (depends on various entities)
 puts "Seeding failed operations logs..."
 Dscf::Credit::FailedOperationsLog.create!(
   entity: payment_request2,

data/lib/dscf/credit/version.rb

@@ -1,5 +1,5 @@
 module Dscf
   module Credit
-    VERSION = "0.1.2"
+    VERSION = "0.1.3"
   end
 end

data/spec/factories/dscf/credit/credit_line_specs.rb

@@ -8,6 +8,7 @@ FactoryBot.define do
     penalty_rate { Faker::Number.decimal(l_digits: 1, r_digits: 4).to_f }
     facilitation_fee_rate { Faker::Number.decimal(l_digits: 1, r_digits: 4).to_f }
     tax_rate { Faker::Number.decimal(l_digits: 1, r_digits: 4).to_f }
+    credit_line_multiplier { Faker::Number.between(from: 15, to: 60) }
     max_penalty_days { Faker::Number.between(from: 30, to: 90) }
     loan_duration { Faker::Number.between(from: 30, to: 365) }
     interest_frequency { %w[daily weekly monthly quarterly annually].sample }

data/spec/factories/dscf/credit/credit_lines.rb

@@ -7,8 +7,8 @@ FactoryBot.define do
     name { "#{Faker::Finance.credit_card(:visa)} Credit Line" }
     sequence(:code) { |n| "CL#{n.to_s.rjust(4, '0')}" }
     description { Faker::Lorem.paragraph }
-    status { %w[pending approved active suspended].sample }
-    review_date { Faker::Date.between(from: 6.months.ago, to: Date.current) if status.in?(%w[approved active]) }
+    status { %w[pending approved suspended].sample }
+    review_date { Faker::Date.between(from: 6.months.ago, to: Date.current) if status.in?(%w[approved]) }
     document_reference { Faker::Alphanumeric.alphanumeric(number: 10).upcase }
     review_feedback { {} }
 
@@ -23,7 +23,7 @@ FactoryBot.define do
     end
 
     trait :active do
-      status { "active" }
+      status { "approved" }
       review_date { Faker::Date.between(from: 6.months.ago, to: Date.current) }
     end
 

data/spec/factories/dscf/credit/eligible_credit_lines.rb

@@ -0,0 +1,33 @@
+FactoryBot.define do
+  factory :eligible_credit_line, class: "Dscf::Credit::EligibleCreditLine" do
+    association :loan_profile, factory: :loan_profile
+    association :credit_line, factory: :credit_line
+    credit_limit { Faker::Number.decimal(l_digits: 5, r_digits: 2) }
+    available_limit { Faker::Number.decimal(l_digits: 4, r_digits: 2) }
+    risk { nil } # Risk should not be set at creation, only through apply_risk endpoint
+
+    trait :with_applied_risk do
+      risk { Faker::Number.decimal(l_digits: 1, r_digits: 4).clamp(0.01, 0.9) }
+    end
+
+    trait :low_risk do
+      risk { Faker::Number.decimal(l_digits: 1, r_digits: 4).clamp(0.01, 0.3) }
+    end
+
+    trait :medium_risk do
+      risk { Faker::Number.decimal(l_digits: 1, r_digits: 4).clamp(0.31, 0.6) }
+    end
+
+    trait :high_risk do
+      risk { Faker::Number.decimal(l_digits: 1, r_digits: 4).clamp(0.61, 0.9) }
+    end
+
+    trait :small_credit_limit do
+      credit_limit { Faker::Number.decimal(l_digits: 3, r_digits: 2) }
+    end
+
+    trait :large_credit_limit do
+      credit_limit { Faker::Number.decimal(l_digits: 6, r_digits: 2) }
+    end
+  end
+end

data/spec/factories/dscf/credit/loan_profile_scoring_specs.rb

@@ -2,13 +2,10 @@ FactoryBot.define do
   factory :loan_profile_scoring_spec, class: "Dscf::Credit::LoanProfileScoringSpec" do
     association :loan_profile, factory: :loan_profile
     association :created_by, factory: :user if defined?(Dscf::Core::User)
-    association :reviewed_by, factory: :user if defined?(Dscf::Core::User)
     scoring_input_data { Faker::Json.shallow_json(width: 5, options: { key: 'Name.name', value: 'Number.number' }) }
     score { Faker::Number.decimal(l_digits: 2, r_digits: 2) }
+    total_limit { Faker::Number.decimal(l_digits: 6, r_digits: 2) }
     active { true }
-    review_date { Faker::Date.between(from: 6.months.ago, to: Date.current) }
-    review_feedback { {} }
-
     trait :active do
       active { true }
     end

data/spec/factories/dscf/credit/loan_profiles.rb

@@ -1,6 +1,7 @@
 FactoryBot.define do
   factory :loan_profile, class: "Dscf::Credit::LoanProfile" do
     association :bank, factory: :bank
+    association :review_branch, factory: :bank_branch
     association :reviewed_by, factory: :user if defined?(Dscf::Core::User)
     association :user, factory: :user if defined?(Dscf::Core::User)
     association :backer, factory: :user if defined?(Dscf::Core::User)

data/spec/factories/dscf/credit/scoring_tables.rb

@@ -1,6 +1,6 @@
 FactoryBot.define do
   factory :scoring_table, class: "Dscf::Credit::ScoringTable" do
-    association :credit_line, factory: :credit_line
+    association :category, factory: :category
     association :scoring_parameter, factory: :scoring_parameter
     association :created_by, factory: :user if defined?(Dscf::Core::User)
     weight { Faker::Number.decimal(l_digits: 0, r_digits: 4).clamp(0.0001, 1.0) }

metadata

@@ -1,13 +1,13 @@
 --- !ruby/object:Gem::Specification
 name: dscf-credit
 version: !ruby/object:Gem::Version
-  version: 0.1.2
+  version: 0.1.3
 platform: ruby
 authors:
 - Adoniyas
 bindir: bin
 cert_chain: []
-date: 2025-09-09 00:00:00.000000000 Z
+date: 2025-09-20 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: dscf-core
@@ -313,19 +313,30 @@ files:
 - MIT-LICENSE
 - README.md
 - Rakefile
+- app/controllers/concerns/dscf/core/authenticatable.rb
+- app/controllers/concerns/dscf/core/common.rb
+- app/controllers/concerns/dscf/core/filterable.rb
+- app/controllers/concerns/dscf/core/json_response.rb
+- app/controllers/concerns/dscf/core/pagination.rb
+- app/controllers/concerns/dscf/core/token_authenticatable.rb
 - app/controllers/concerns/dscf/credit/reviewable.rb
 - app/controllers/dscf/credit/application_controller.rb
 - app/controllers/dscf/credit/bank_branches_controller.rb
 - app/controllers/dscf/credit/bank_staffs_controller.rb
 - app/controllers/dscf/credit/banks_controller.rb
 - app/controllers/dscf/credit/categories_controller.rb
+- app/controllers/dscf/credit/credit_limit_calculations_controller.rb
 - app/controllers/dscf/credit/credit_line_specs_controller.rb
 - app/controllers/dscf/credit/credit_lines_controller.rb
+- app/controllers/dscf/credit/disbursements_controller.rb
+- app/controllers/dscf/credit/eligible_credit_lines_controller.rb
 - app/controllers/dscf/credit/facilitators_controller.rb
+- app/controllers/dscf/credit/loan_profiles_controller.rb
 - app/controllers/dscf/credit/loans_controller.rb
 - app/controllers/dscf/credit/parameter_normalizers_controller.rb
 - app/controllers/dscf/credit/payment_requests_controller.rb
 - app/controllers/dscf/credit/payments_controller.rb
+- app/controllers/dscf/credit/repayments_controller.rb
 - app/controllers/dscf/credit/scoring_param_types_controller.rb
 - app/controllers/dscf/credit/scoring_parameters_controller.rb
 - app/controllers/dscf/credit/scoring_tables_controller.rb
@@ -346,6 +357,7 @@ files:
 - app/models/dscf/credit/credit_line.rb
 - app/models/dscf/credit/credit_line_spec.rb
 - app/models/dscf/credit/daily_routine_transaction.rb
+- app/models/dscf/credit/eligible_credit_line.rb
 - app/models/dscf/credit/facilitator.rb
 - app/models/dscf/credit/facilitator_performance.rb
 - app/models/dscf/credit/failed_operations_log.rb
@@ -373,18 +385,31 @@ files:
 - app/serializers/dscf/credit/category_serializer.rb
 - app/serializers/dscf/credit/credit_line_serializer.rb
 - app/serializers/dscf/credit/credit_line_spec_serializer.rb
+- app/serializers/dscf/credit/daily_routine_transaction_serializer.rb
+- app/serializers/dscf/credit/eligible_credit_line_serializer.rb
 - app/serializers/dscf/credit/facilitator_performance_serializer.rb
 - app/serializers/dscf/credit/facilitator_serializer.rb
+- app/serializers/dscf/credit/loan_profile_scoring_spec_serializer.rb
+- app/serializers/dscf/credit/loan_profile_serializer.rb
+- app/serializers/dscf/credit/loan_serializer.rb
+- app/serializers/dscf/credit/loan_transaction_serializer.rb
 - app/serializers/dscf/credit/parameter_normalizer_serializer.rb
+- app/serializers/dscf/credit/payment_request_serializer.rb
+- app/serializers/dscf/credit/payment_serializer.rb
 - app/serializers/dscf/credit/scoring_param_type_serializer.rb
 - app/serializers/dscf/credit/scoring_parameter_serializer.rb
 - app/serializers/dscf/credit/scoring_table_serializer.rb
 - app/serializers/dscf/credit/system_config_definition_serializer.rb
 - app/serializers/dscf/credit/system_config_serializer.rb
 - app/services/dscf/credit/bank_staff_creation_service.rb
+- app/services/dscf/credit/credit_limit_calculation_service.rb
+- app/services/dscf/credit/disbursement_service.rb
 - app/services/dscf/credit/facilitator_additional_info_service.rb
 - app/services/dscf/credit/facilitator_approval_service.rb
 - app/services/dscf/credit/facilitator_creation_service.rb
+- app/services/dscf/credit/repayment_service.rb
+- app/services/dscf/credit/risk_application_service.rb
+- app/services/dscf/credit/scoring_service.rb
 - app/views/dscf/credit/bank_staff_welcome_mailer/welcome_email.html.erb
 - app/views/dscf/credit/bank_staff_welcome_mailer/welcome_email.text.erb
 - app/views/dscf/credit/facilitator_mailer/additional_info_received.html.erb
@@ -423,6 +448,7 @@ files:
 - db/migrate/20250822092936_create_dscf_credit_accounting_entries.rb
 - db/migrate/20250825231109_create_dscf_credit_bank_staff.rb
 - db/migrate/20250901172842_create_dscf_credit_scoring_tables.rb
+- db/migrate/20250917120000_create_dscf_credit_eligible_credit_lines.rb
 - db/seeds.rb
 - lib/dscf/credit.rb
 - lib/dscf/credit/engine.rb
@@ -437,6 +463,7 @@ files:
 - spec/factories/dscf/credit/credit_line_specs.rb
 - spec/factories/dscf/credit/credit_lines.rb
 - spec/factories/dscf/credit/daily_routine_transactions.rb
+- spec/factories/dscf/credit/eligible_credit_lines.rb
 - spec/factories/dscf/credit/facilitator_performances.rb
 - spec/factories/dscf/credit/facilitators.rb
 - spec/factories/dscf/credit/failed_operations_logs.rb