dscf-credit 0.1.4 → 0.1.5

data/db/seeds.rb

@@ -146,56 +146,49 @@ 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'
+bunna_bank = Dscf::Credit::Bank.find_or_create_by(registration_number: 'BUN001') do |bank|
+  bank.name = 'Bunna Bank'
+  bank.swift_code = 'BUNNETAA'
   bank.headquarters_address = 'Addis Ababa, Ethiopia'
   bank.city = 'Addis Ababa'
   bank.country = 'Ethiopia'
-  bank.contact_email = 'info@cbe.com.et'
+  bank.contact_email = 'info@bunnabank.com'
   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
+# Use the same bank for all operations
+bank1 = bunna_bank
+bank2 = bunna_bank
 
 # 2. Bank Branches (depends on banks)
 puts "Seeding bank branches..."
-cbe_head_office = Dscf::Credit::BankBranch.find_or_create_by(bank: bank1, branch_name: 'Head Office') do |branch|
-  branch.branch_code = 'CBE-HO-001'
+bunna_head_office = Dscf::Credit::BankBranch.find_or_create_by(bank: bunna_bank, branch_name: 'Head Office') do |branch|
+  branch.branch_code = 'BUN-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_email = 'headoffice@bunnabank.com'
   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'
+Dscf::Credit::BankBranch.find_or_create_by(bank: bunna_bank, branch_name: 'Merkato Branch') do |branch|
+  branch.branch_code = 'BUN-MER-002'
   branch.branch_address = 'Merkato, Addis Ababa'
   branch.city = 'Addis Ababa'
   branch.country = 'Ethiopia'
-  branch.contact_email = 'merkato@cbe.com.et'
+  branch.contact_email = 'merkato@bunnabank.com'
   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'
+Dscf::Credit::BankBranch.find_or_create_by(bank: bunna_bank, branch_name: 'Bole Branch') do |branch|
+  branch.branch_code = 'BUN-BOL-003'
+  branch.branch_address = 'Bole Road, Addis Ababa'
   branch.city = 'Addis Ababa'
   branch.country = 'Ethiopia'
-  branch.contact_email = 'main@awashbank.com'
+  branch.contact_email = 'bole@bunnabank.com'
   branch.contact_phone = '+251115524001'
   branch.status = 'active'
 end
@@ -204,66 +197,66 @@ end
 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')
+bunna_head_office_branch = Dscf::Credit::BankBranch.find_by(bank: bunna_bank, branch_name: 'Head Office')
+bunna_merkato_branch = Dscf::Credit::BankBranch.find_by(bank: bunna_bank, branch_name: 'Merkato Branch')
+bunna_bole_branch = Dscf::Credit::BankBranch.find_by(bank: bunna_bank, branch_name: 'Bole 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
+  # Bunna Head Office Staff
+  if bunna_head_office_branch && users.first
     Dscf::Credit::BankStaff.find_or_create_by(
       user: users.first,
-      bank_branch: cbe_main_branch
+      bank_branch: bunna_head_office_branch
     ) do |staff|
       staff.status = 'active'
     end
   end
 
-  if cbe_main_branch && users.second
+  if bunna_head_office_branch && users.second
     Dscf::Credit::BankStaff.find_or_create_by(
       user: users.second,
-      bank_branch: cbe_main_branch
+      bank_branch: bunna_head_office_branch
     ) do |staff|
       staff.status = 'active'
     end
   end
 
-  # CBE Merkato Branch Staff
-  if cbe_merkato_branch && users.third
+  # Bunna Merkato Branch Staff
+  if bunna_merkato_branch && users.third
     Dscf::Credit::BankStaff.find_or_create_by(
       user: users.third,
-      bank_branch: cbe_merkato_branch
+      bank_branch: bunna_merkato_branch
     ) do |staff|
       staff.status = 'active'
     end
   end
 
-  if cbe_merkato_branch && users.fourth
+  if bunna_merkato_branch && users.fourth
     Dscf::Credit::BankStaff.find_or_create_by(
       user: users.fourth,
-      bank_branch: cbe_merkato_branch
+      bank_branch: bunna_merkato_branch
     ) do |staff|
       staff.status = 'active'
     end
   end
 
-  # Awash Bank Main Branch Staff
-  if awash_main_branch && users.fifth
+  # Bunna Bole Branch Staff
+  if bunna_bole_branch && users.fifth
     Dscf::Credit::BankStaff.find_or_create_by(
       user: users.fifth,
-      bank_branch: awash_main_branch
+      bank_branch: bunna_bole_branch
     ) do |staff|
       staff.status = 'active'
     end
   end
 
-  if awash_main_branch && users[5]
+  if bunna_bole_branch && users[5]
     Dscf::Credit::BankStaff.find_or_create_by(
       user: users[5],
-      bank_branch: awash_main_branch
+      bank_branch: bunna_bole_branch
     ) do |staff|
       staff.status = 'active'
     end
@@ -275,7 +268,7 @@ end
 # 4. System Config Definitions (depends on banks)
 puts "Seeding system config definitions..."
 config_def1 = Dscf::Credit::SystemConfigDefinition.find_or_create_by(
-  bank: bank1,
+  bank: bunna_bank,
   config_key: 'max_loan_amount'
 ) do |config|
   config.description = 'Maximum loan amount allowed per transaction'
@@ -284,7 +277,7 @@ config_def1 = Dscf::Credit::SystemConfigDefinition.find_or_create_by(
 end
 
 config_def2 = Dscf::Credit::SystemConfigDefinition.find_or_create_by(
-  bank: bank1,
+  bank: bunna_bank,
   config_key: 'interest_calculation_method'
 ) do |config|
   config.description = 'Method used for calculating interest'
@@ -293,7 +286,7 @@ config_def2 = Dscf::Credit::SystemConfigDefinition.find_or_create_by(
 end
 
 config_def3 = Dscf::Credit::SystemConfigDefinition.find_or_create_by(
-  bank: bank2,
+  bank: bunna_bank,
   config_key: 'max_loan_term_days'
 ) do |config|
   config.description = 'Maximum loan term in days'
@@ -303,28 +296,48 @@ 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|
+system_config1 = Dscf::Credit::SystemConfig.find_or_create_by(config_definition: config_def1) do |config|
   config.config_value = '500000.00'
-  config.status = 'approved'
-  config.reviewed_by = admin_user
-  config.review_date = Time.current
   config.last_updated_by = admin_user
 end
 
-Dscf::Credit::SystemConfig.find_or_create_by(config_definition: config_def2) do |config|
+# Create approved review for system_config1
+Dscf::Core::Review.find_or_create_by(
+  reviewable: system_config1,
+  reviewed_by: admin_user
+) do |review|
+  review.status = 'approved'
+  review.reviewed_at = Time.current
+end
+
+system_config2 = Dscf::Credit::SystemConfig.find_or_create_by(config_definition: config_def2) do |config|
   config.config_value = 'daily'
-  config.status = 'approved'
-  config.reviewed_by = admin_user
-  config.review_date = Time.current
   config.last_updated_by = admin_user
 end
 
-Dscf::Credit::SystemConfig.find_or_create_by(config_definition: config_def3) do |config|
+# Create approved review for system_config2
+Dscf::Core::Review.find_or_create_by(
+  reviewable: system_config2,
+  reviewed_by: admin_user
+) do |review|
+  review.status = 'approved'
+  review.reviewed_at = Time.current
+end
+
+system_config3 = 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
 
+# Create pending review for system_config3
+Dscf::Core::Review.find_or_create_by(
+  reviewable: system_config3,
+  reviewed_by: bank_admin
+) do |review|
+  review.status = 'pending'
+  review.reviewed_at = Time.current
+end
+
 # 4.5. Categories (independent)
 puts "Seeding categories..."
 sme_category = Dscf::Credit::Category.find_or_create_by(type: 'credit_line', name: 'SME') do |category|
@@ -374,33 +387,25 @@ 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|
+credit_line1 = Dscf::Credit::CreditLine.find_or_create_by(bank: bunna_bank, name: 'SME Credit Line') do |line|
   line.category = sme_category
-  line.code = 'CBE-SME-001'
+  line.code = 'BUN-SME-001'
   line.description = 'Credit line for Small and Medium Enterprises'
-  line.status = 'approved'
   line.created_by = admin_user
-  line.reviewed_by = bank_admin
-  line.review_date = 1.week.ago
 end
 
-credit_line2 = Dscf::Credit::CreditLine.find_or_create_by(bank: bank1, name: 'Personal Credit Line') do |line|
+credit_line2 = Dscf::Credit::CreditLine.find_or_create_by(bank: bunna_bank, name: 'Personal Credit Line') do |line|
   line.category = personal_category
-  line.code = 'CBE-PER-002'
+  line.code = 'BUN-PER-002'
   line.description = 'Personal credit line for individuals'
-  line.status = 'approved'
   line.created_by = admin_user
-  line.reviewed_by = bank_admin
-  line.review_date = 5.days.ago
 end
 
-Dscf::Credit::CreditLine.find_or_create_by(bank: bank2, name: 'Agricultural Credit Line') do |line|
+Dscf::Credit::CreditLine.find_or_create_by(bank: bunna_bank, name: 'Agricultural Credit Line') do |line|
   line.category = agricultural_category
-  line.code = 'AWB-AGR-001'
+  line.code = 'BUN-AGR-001'
   line.description = 'Credit line for agricultural sector'
-  line.status = 'pending'
   line.created_by = bank_admin
-  line.reviewed_by = admin_user
 end
 
 # 6. Credit Line Specs (depends on credit lines)
@@ -443,10 +448,10 @@ Dscf::Credit::CreditLineSpec.find_or_create_by(credit_line: credit_line2) do |sp
   spec.created_by = admin_user
 end
 
-# 7. Scoring Parameters (depends on banks)
+# 7. Scoring Parameters
 puts "Seeding scoring parameters..."
 scoring_param1 = Dscf::Credit::ScoringParameter.find_or_create_by(
-  bank: bank1,
+  bank: bunna_bank,
   name: 'Monthly Income'
 ) do |param|
   param.description = 'Monthly income of the applicant'
@@ -455,17 +460,24 @@ 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.category = personal_category
   param.source = 'internal'
   param.scoring_param_type = consumer_type
   param.document_reference = 'DOC-SP-001'
 end
 
+# Create approved review for scoring_param1
+Dscf::Core::Review.find_or_create_by(
+  reviewable: scoring_param1,
+  reviewed_by: admin_user
+) do |review|
+  review.status = 'approved'
+  review.reviewed_at = Time.current
+end
+
 scoring_param2 = Dscf::Credit::ScoringParameter.find_or_create_by(
-  bank: bank1,
+  bank: bunna_bank,
   name: 'Credit History Score'
 ) do |param|
   param.description = 'Credit history score from credit bureau'
@@ -474,36 +486,50 @@ 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.category = personal_category
   param.source = 'external'
   param.scoring_param_type = consumer_type
   param.document_reference = 'DOC-SP-002'
 end
 
+# Create approved review for scoring_param2
+Dscf::Core::Review.find_or_create_by(
+  reviewable: scoring_param2,
+  reviewed_by: admin_user
+) do |review|
+  review.status = 'approved'
+  review.reviewed_at = Time.current
+end
+
 scoring_param3 = Dscf::Credit::ScoringParameter.find_or_create_by(
-  bank: bank1,
+  bank: bunna_bank,
   name: 'Employment Type'
 ) do |param|
   param.description = 'Type of employment (permanent, contract, self-employed)'
   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.category = personal_category
   param.source = 'internal'
   param.scoring_param_type = consumer_type
   param.document_reference = 'DOC-SP-003'
 end
 
+# Create approved review for scoring_param3
+Dscf::Core::Review.find_or_create_by(
+  reviewable: scoring_param3,
+  reviewed_by: bank_admin
+) do |review|
+  review.status = 'approved'
+  review.reviewed_at = Time.current
+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')
+employment_param = Dscf::Credit::ScoringParameter.find_by(bank: bunna_bank, name: 'Employment Type')
 
 Dscf::Credit::ParameterNormalizer.find_or_create_by(
   scoring_parameter: employment_param,
@@ -532,131 +558,217 @@ Dscf::Credit::ParameterNormalizer.find_or_create_by(
   normalizer.normalized_value = 0.6
 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(
-    category: sme_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: sme_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: sme_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
-
-# Create scoring tables for credit_line2 (Personal Credit Line)
-if monthly_income_param
-  Dscf::Credit::ScoringTable.find_or_create_by(
-    category: personal_category,
-    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(
-    category: personal_category,
-    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(
-    category: personal_category,
-    scoring_parameter: employment_param
-  ) do |scoring_table|
-    scoring_table.weight = 0.2
-    scoring_table.active = true
-    scoring_table.created_by = admin_user
-  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 loan applications)
+puts "Seeding loan profiles..."
+# Note: Loan profiles will be created after loan applications are seeded
+# For now, we'll create them with placeholder loan_application_id and update later
 
-# 9. Loan Profiles (depends on banks and users)
+# 10. Loan Profile Scoring Specs (depends on loan profiles)
+puts "Seeding loan profile scoring specs..."
+# Note: This will be moved after loan profiles are created
+
+# 10.5. Loan Applications (depends on banks, users, and bank branches)
+puts "Seeding loan applications..."
+loan_application1 = Dscf::Credit::LoanApplication.find_or_create_by(
+  bank: bunna_bank,
+  user_id: user2.id,
+  review_branch: bunna_head_office
+) do |application|
+  application.backer = user1
+  application.bank_statement_source = "internal"
+  application.user_info = {
+    name: "Jane Smith",
+    phone: "+251922334455",
+    email: "jane.smith@example.com",
+    address: "123 Main St, Addis Ababa",
+    id_number: "ID123456789",
+    date_of_birth: "1985-05-15"
+  }
+  application.facilitator_info = {
+    business_name: "ABC Trading Company",
+    license_number: "LIC001234",
+    business_type: "retail",
+    years_in_business: 5,
+    monthly_turnover: 150000.00
+  }
+  application.bank_info = {
+    account_number: "123456789012",
+    account_holder: "Jane Smith",
+    bank_name: "Bunna Bank",
+    branch_name: "Head Office"
+  }
+  application.field_assessment = {
+    credit_score: 720,
+    risk_level: "medium",
+    recommendation: "approved",
+    assessed_by: "Field Officer A",
+    assessment_date: Time.current.iso8601
+  }
+end
+
+# Create approved review for loan_application1
+Dscf::Core::Review.find_or_create_by(
+  reviewable: loan_application1,
+  reviewed_by: admin_user
+) do |review|
+  review.status = 'approved'
+  review.reviewed_at = Time.current
+end
+
+loan_application2 = Dscf::Credit::LoanApplication.find_or_create_by(
+  bank: bunna_bank,
+  user_id: user3.id,
+  review_branch: bunna_merkato_branch
+) do |application|
+  application.backer = user1
+  application.bank_statement_source = "external"
+  application.user_info = {
+    name: "Mike Johnson",
+    phone: "+251933445566",
+    email: "mike.johnson@example.com",
+    address: "456 Oak Ave, Addis Ababa",
+    id_number: "ID987654321",
+    date_of_birth: "1980-12-10"
+  }
+  application.facilitator_info = {
+    business_name: "XYZ Wholesale",
+    license_number: "LIC005678",
+    business_type: "wholesale",
+    years_in_business: 8,
+    monthly_turnover: 500000.00
+  }
+  application.bank_info = {
+    account_number: "987654321098",
+    account_holder: "Mike Johnson",
+    bank_name: "Commercial Bank",
+    branch_name: "Main Branch"
+  }
+  application.field_assessment = {
+    credit_score: 650,
+    risk_level: "high",
+    recommendation: "conditional_approval",
+    assessed_by: "Field Officer B",
+    assessment_date: Time.current.iso8601
+  }
+  application.score = 65.0
+end
+
+# Create pending review for loan_application2
+Dscf::Core::Review.find_or_create_by(
+  reviewable: loan_application2,
+  reviewed_by: bank_admin
+) do |review|
+  review.status = 'pending'
+  review.reviewed_at = Time.current
+end
+
+# 10.6. Facilitator Applications (depends on users and banks)
+puts "Seeding facilitator applications..."
+facilitator_application1 = Dscf::Credit::FacilitatorApplication.find_or_create_by(
+  user: user4,
+  bank: bunna_bank
+) do |application|
+  application.facilitator_info = {
+    business_name: "Global Trade Solutions",
+    contact_person: "Ahmed Hassan",
+    phone: "+251911223344",
+    email: "ahmed@globaltrade.et",
+    address: "789 Commerce St, Addis Ababa",
+    business_type: "import_export",
+    license_number: "LIC789012",
+    years_in_business: 7,
+    monthly_turnover: 200000.00,
+    number_of_employees: 15,
+    business_registration_date: "2017-03-15",
+    tax_identification_number: "TIN123456789",
+    bank_account_details: {
+      bank_name: "Bunna Bank",
+      account_number: "555666777888",
+      account_holder: "Global Trade Solutions"
+    }
+  }
+end
+
+# Create approved review for facilitator_application1
+Dscf::Core::Review.find_or_create_by(
+  reviewable: facilitator_application1,
+  reviewed_by: admin_user
+) do |review|
+  review.status = 'approved'
+  review.reviewed_at = Time.current
+end
+
+facilitator_application2 = Dscf::Credit::FacilitatorApplication.find_or_create_by(
+  user: user3,
+  bank: bunna_bank
+) do |application|
+  application.facilitator_info = {
+    business_name: "Ethiopian Commodities Ltd",
+    contact_person: "Sara Mengistu",
+    phone: "+251922334455",
+    email: "sara@ethcommodities.et",
+    address: "321 Market Ave, Addis Ababa",
+    business_type: "commodities_trading",
+    license_number: "LIC345678",
+    years_in_business: 5,
+    monthly_turnover: 150000.00,
+    number_of_employees: 8,
+    business_registration_date: "2019-08-22",
+    tax_identification_number: "TIN987654321",
+    bank_account_details: {
+      bank_name: "Commercial Bank",
+      account_number: "111222333444",
+      account_holder: "Ethiopian Commodities Ltd"
+    }
+  }
+end
+
+# Create pending review for facilitator_application2
+Dscf::Core::Review.find_or_create_by(
+  reviewable: facilitator_application2,
+  reviewed_by: bank_admin
+) do |review|
+  review.status = 'pending'
+  review.reviewed_at = Time.current
+end
+
+# 10.7. Facilitators (depends on facilitator applications)
+puts "Seeding facilitators..."
+facilitator1 = Dscf::Credit::Facilitator.find_or_create_by(
+  facilitator_application: facilitator_application1
+) do |facilitator|
+  facilitator.total_limit = 500000.00
+end
+
+# Create approved review for facilitator1
+Dscf::Core::Review.find_or_create_by(
+  reviewable: facilitator1,
+  reviewed_by: admin_user
+) do |review|
+  review.status = 'approved'
+  review.reviewed_at = Time.current
+end
+
+# 11. Loan Profiles (depends on loan applications)
 puts "Seeding loan profiles..."
 loan_profile1 = Dscf::Credit::LoanProfile.find_or_create_by(
-  bank: bank1,
-  user: user2
+  loan_application: loan_application1
 ) do |profile|
-  profile.status = 'approved'
-  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
+  profile.code = "BB000001"
+  profile.score = 78.5
+  profile.total_limit = 100000.00
 end
 
-# 10. Loan Profile Scoring Specs (depends on loan profiles)
+# Create approved review for loan_profile1
+Dscf::Core::Review.find_or_create_by(
+  reviewable: loan_profile1,
+  reviewed_by: admin_user
+) do |review|
+  review.status = 'approved'
+  review.reviewed_at = Time.current
+end
+
+# 12. Loan Profile Scoring Specs (depends on loan profiles)
 puts "Seeding loan profile scoring specs..."
 Dscf::Credit::LoanProfileScoringSpec.create!(
   loan_profile: loan_profile1,
@@ -836,4 +948,5 @@ 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}"
+puts "- Loan Applications: #{Dscf::Credit::LoanApplication.count}"
+puts "- Facilitator Applications: #{Dscf::Credit::FacilitatorApplication.count}"