dscf-credit 0.1.6 → 0.1.8

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

@@ -1,15 +1,74 @@
 module Dscf::Credit
+  # RepaymentService handles loan repayment processing with automatic payment allocation
+  # across facilitation fees, penalties, interest, and principal.
+  #
+  # @example Basic usage
+  #   loan = Dscf::Credit::Loan.find(loan_id)
+  #   service = Dscf::Credit::RepaymentService.new(loan, 1500.00)
+  #   result = service.process_repayment
+  #
+  #   if result[:success]
+  #     puts "Payment processed: #{result[:message]}"
+  #     puts "Remaining balance: #{result[:payment_details][:remaining_balance]}"
+  #   else
+  #     puts "Error: #{result[:error]}"
+  #   end
+  #
+  # @see docs/REPAYMENT_SERVICE_DOCUMENTATION.md for detailed documentation
   class RepaymentService
-    attr_reader :loan, :payment_amount, :current_user
+    attr_reader :loan, :payment_amount
 
-    def initialize(loan, payment_amount, current_user)
+    # Initialize the repayment service
+    #
+    # @param loan [Dscf::Credit::Loan] The loan to process repayment for
+    # @param payment_amount [Numeric] The amount being paid (converted to float)
+    def initialize(loan, payment_amount)
       @loan = loan
       @payment_amount = payment_amount.to_f
-      @current_user = current_user
     end
 
-    # Process loan repayment by decreasing loan balance and updating related records
-    # @return [Hash] Result containing payment details and updated loan status
+    # Process loan repayment with automatic allocation and status updates
+    #
+    # Payment allocation priority (waterfall method):
+    # 1. Facilitation Fee (from loan_accruals where accrual_type='facilitation_fee' and status='pending')
+    # 2. Penalties (from loan_accruals where accrual_type='penalty' and status='pending')
+    # 3. Interest (from loan_accruals where accrual_type='interest' and status='pending')
+    # 4. Principal (from loan.remaining_amount)
+    #
+    # Process steps:
+    # 1. Calculate payment allocation across loan components
+    # 2. Update loan record (remaining_amount only)
+    # 3. Mark accruals as paid (with splitting for partial payments)
+    # 4. Update loan status based on remaining balance
+    # 5. Reactivate credit facilities if loan fully paid
+    #
+    # @return [Hash] Result hash with the following structure:
+    #   - :success [Boolean] Whether the operation succeeded
+    #   - :loan [Dscf::Credit::Loan, nil] Updated loan object (nil on failure)
+    #   - :payment_details [Hash] Detailed payment allocation information
+    #   - :message [String] Success message
+    #   - :error [String] Error message (only present on failure)
+    #
+    # @example Success response
+    #   {
+    #     success: true,
+    #     loan: #<Dscf::Credit::Loan>,
+    #     payment_details: {
+    #       payment_amount: 1500.00,
+    #       allocation: { ... },
+    #       new_loan_status: "active",
+    #       paid_off: false,
+    #       remaining_balance: 3600.00
+    #     },
+    #     message: "Payment processed successfully"
+    #   }
+    #
+    # @example Error response
+    #   {
+    #     success: false,
+    #     loan: nil,
+    #     error: "Payment amount exceeds total outstanding balance"
+    #   }
     def process_repayment
       return error_result("Loan not found") unless loan
       return error_result("Invalid payment amount") unless payment_amount > 0
@@ -24,8 +83,6 @@ module Dscf::Credit
 
         update_loan_status
 
-        create_payment_transaction(payment_allocation)
-
         reactivate_facilities_if_paid_off
 
         success_result(payment_allocation)
@@ -36,10 +93,23 @@ module Dscf::Credit
 
     private
 
+    # Calculate how the payment should be allocated across loan components
+    #
+    # Uses waterfall allocation: payment is applied in priority order until exhausted.
+    # Queries loan_accruals table for current pending penalties and interest.
+    #
+    # @return [Hash] Allocation details including:
+    #   - :total_outstanding - Total amount owed
+    #   - :payment_amount - Amount being paid
+    #   - :facilitation_payment - Amount applied to facilitation fee
+    #   - :penalty_payment - Amount applied to penalties
+    #   - :interest_payment - Amount applied to interest
+    #   - :principal_payment - Amount applied to principal
+    #   - :remaining_* - Amounts still owed for each component
     def calculate_payment_allocation
-      current_facilitation_fee = loan.facilitation_fee || 0
-      current_penalty = loan.accrued_penalty || 0
-      current_interest = loan.accrued_interest || 0
+      current_facilitation_fee = loan.loan_accruals.pending.by_type("facilitation_fee").sum(:amount)
+      current_penalty = loan.loan_accruals.pending.by_type("penalty").sum(:amount)
+      current_interest = loan.loan_accruals.pending.by_type("interest").sum(:amount)
       current_principal = loan.remaining_amount || 0
 
       total_outstanding = current_facilitation_fee + current_penalty + current_interest + current_principal
@@ -71,86 +141,138 @@ module Dscf::Credit
       }
     end
 
+    # Apply the calculated payment allocation to the loan and accruals
+    #
+    # Updates:
+    # 1. Loan record (remaining_amount only)
+    # 2. Loan accruals (marks facilitation_fee, penalties, and interest as paid)
+    #
+    # @param allocation [Hash] The allocation hash from calculate_payment_allocation
+    # @return [void]
     def process_payment_allocation(allocation)
+      # Update loan record (only remaining_amount now)
       loan.update!(
-        facilitation_fee: allocation[:remaining_facilitation_fee],
-        accrued_penalty: allocation[:remaining_penalty],
-        accrued_interest: allocation[:remaining_interest],
         remaining_amount: allocation[:remaining_principal]
       )
-    end
-
-    def update_loan_status
-      total_remaining = (loan.facilitation_fee || 0) +
-                       (loan.accrued_penalty || 0) +
-                       (loan.accrued_interest || 0) +
-                       (loan.remaining_amount || 0)
-
-      if total_remaining <= 0.01
-        loan.update!(status: "paid")
-      else
-        loan.update!(status: "active") if loan.status == "overdue"
-      end
-    end
-
-    def create_payment_transaction(allocation)
-      Dscf::Credit::LoanTransaction.create!(
-        loan: loan,
-        transaction_type: "repayment",
-        amount: payment_amount,
-        transaction_reference: "REPAY-#{loan.id}-#{Time.current.to_i}",
-        status: "completed"
-      )
-
-      create_allocation_transactions(allocation) if payment_amount > 100 # Only for significant payments
-    end
-
-    def create_allocation_transactions(allocation)
-      transactions = []
 
+      # Mark paid facilitation fee accruals
       if allocation[:facilitation_payment] > 0
-        transactions << {
-          transaction_type: "fee_charge",
-          amount: allocation[:facilitation_payment],
-          reference_suffix: "FEE"
-        }
+        mark_accruals_as_paid("facilitation_fee", allocation[:facilitation_payment])
       end
 
+      # Mark paid penalty accruals
       if allocation[:penalty_payment] > 0
-        transactions << {
-          transaction_type: "penalty",
-          amount: allocation[:penalty_payment],
-          reference_suffix: "PENALTY"
-        }
+        mark_accruals_as_paid("penalty", allocation[:penalty_payment])
       end
 
+      # Mark paid interest accruals
       if allocation[:interest_payment] > 0
-        transactions << {
-          transaction_type: "interest_accrual",
-          amount: allocation[:interest_payment],
-          reference_suffix: "INTEREST"
-        }
+        mark_accruals_as_paid("interest", allocation[:interest_payment])
       end
+    end
+
+    # Mark loan accruals as paid, handling partial payments by splitting accruals
+    #
+    # Processes accruals in chronological order (oldest first by applied_on date).
+    # When payment is insufficient to cover an entire accrual:
+    # 1. Updates the original accrual to "paid" status with the paid amount
+    # 2. Creates a new "pending" accrual for the remaining unpaid amount
+    #
+    # @param accrual_type [String] Type of accrual to pay ('penalty' or 'interest')
+    # @param payment_amount [Float] Amount available to pay towards these accruals
+    # @return [void]
+    #
+    # @example Full payment
+    #   # Accrual: { id: 1, amount: 100, status: 'pending' }
+    #   # Payment: 100
+    #   # Result: { id: 1, amount: 100, status: 'paid' }
+    #
+    # @example Partial payment with split
+    #   # Accrual: { id: 1, amount: 100, status: 'pending' }
+    #   # Payment: 60
+    #   # Result:
+    #   #   { id: 1, amount: 60, status: 'paid' }      # Paid portion
+    #   #   { id: 2, amount: 40, status: 'pending' }   # New accrual for remainder
+    def mark_accruals_as_paid(accrual_type, payment_amount)
+      pending_accruals = loan.loan_accruals.pending.by_type(accrual_type).order(:applied_on)
+      remaining_payment = payment_amount
 
-      if allocation[:principal_payment] > 0
-        transactions << {
-          transaction_type: "repayment",
-          amount: allocation[:principal_payment],
-          reference_suffix: "PRINCIPAL"
-        }
+      pending_accruals.each do |accrual|
+        break if remaining_payment <= 0
+
+        if remaining_payment >= accrual.amount
+          accrual.update!(status: "paid")
+          remaining_payment -= accrual.amount
+        else
+          # Partial payment: split the accrual
+          paid_amount = remaining_payment
+          remaining_amount = accrual.amount - paid_amount
+
+          # Update original accrual to paid status with reduced amount
+          accrual.update!(amount: paid_amount, status: "paid")
+
+          # Create a new pending accrual for the remaining amount
+          Dscf::Credit::LoanAccrual.create!(
+            loan: loan,
+            accrual_type: accrual_type,
+            amount: remaining_amount,
+            applied_on: accrual.applied_on,
+            status: "pending"
+          )
+
+          remaining_payment = 0
+        end
       end
+    end
 
-      transactions.each_with_index do |transaction_data, index|
-        Dscf::Credit::LoanTransaction.create!(
-          loan: loan,
-          transaction_type: transaction_data[:transaction_type],
-          amount: transaction_data[:amount],
-          transaction_reference: "#{transaction_data[:reference_suffix]}-#{loan.id}-#{Time.current.to_i}-#{index}",
-          status: "completed"
-        )
+    # Update loan status based on remaining balance
+    #
+    # Status transitions:
+    # - If total remaining ≤ 0.01 ETB → status: "paid"
+    # - If was "overdue" and balance > 0 → status: "active"
+    # - Otherwise → status unchanged
+    #
+    # Total remaining includes:
+    # - Facilitation fee (from loan_accruals)
+    # - Pending penalties (from loan_accruals)
+    # - Pending interest (from loan_accruals)
+    # - Remaining principal (from loan record)
+    #
+    # @return [void]
+    def update_loan_status
+      pending_facilitation_fee = loan.loan_accruals.pending.by_type("facilitation_fee").sum(:amount)
+      pending_penalty = loan.loan_accruals.pending.by_type("penalty").sum(:amount)
+      pending_interest = loan.loan_accruals.pending.by_type("interest").sum(:amount)
+
+      total_remaining = pending_facilitation_fee +
+                       pending_penalty +
+                       pending_interest +
+                       (loan.remaining_amount || 0)
+
+      if total_remaining <= 0.01
+        loan.update!(status: "paid")
+      else
+        loan.update!(status: "active") if loan.status == "overdue"
       end
     end
 
+    # Reactivate locked credit facilities when loan is fully paid off
+    #
+    # Only runs if loan.status == "paid"
+    #
+    # Process:
+    # 1. Find all eligible credit lines with 0 available_limit (locked)
+    # 2. For each locked line, recalculate available_limit based on:
+    #    - Credit limit (total allowed)
+    #    - Minus current usage from other active loans
+    #
+    # This allows the borrower to access credit again after repayment.
+    #
+    # @return [void]
+    #
+    # @example
+    #   # Before: eligible_line.available_limit = 0 (locked)
+    #   # After payment: eligible_line.available_limit = 7000 (reactivated)
     def reactivate_facilities_if_paid_off
       return unless loan.status == "paid"
 
@@ -166,10 +288,14 @@ module Dscf::Credit
 
         eligible_line.update!(available_limit: new_available_limit)
       end
-
-      update_loan_profile_available_amount(loan_profile)
     end
 
+    # Calculate total current usage for a credit line from all active loans
+    #
+    # Excludes the current loan (the one being paid off) from calculation.
+    #
+    # @param credit_line [Dscf::Credit::CreditLine] The credit line to check
+    # @return [Float] Sum of remaining_amount from active loans
     def calculate_current_usage_for_credit_line(credit_line)
       credit_line.loans
                  .where(status: [ "active", "overdue", "disbursed" ])
@@ -177,34 +303,37 @@ module Dscf::Credit
                  .sum(:remaining_amount)
     end
 
-    def update_loan_profile_available_amount(loan_profile)
-      # Recalculate available amount based on total limit minus current usage
-      total_usage = loan_profile.loans
-                               .where(status: [ "active", "overdue", "disbursed" ])
-                               .sum(:remaining_amount)
-
-      new_available_amount = [ loan_profile.total_amount - total_usage, 0 ].max
-      loan_profile.update!(available_amount: new_available_amount)
-    end
-
+    # Build success result hash
+    #
+    # @param allocation [Hash] The allocation hash with payment details
+    # @return [Hash] Success response with loan, payment details, and message
     def success_result(allocation)
+      loan.reload
+      pending_facilitation_fee = loan.loan_accruals.pending.by_type("facilitation_fee").sum(:amount)
+      pending_penalty = loan.loan_accruals.pending.by_type("penalty").sum(:amount)
+      pending_interest = loan.loan_accruals.pending.by_type("interest").sum(:amount)
+
       {
         success: true,
-        loan: loan.reload,
+        loan: loan,
         payment_details: {
           payment_amount: payment_amount,
           allocation: allocation,
           new_loan_status: loan.status,
           paid_off: loan.status == "paid",
-          remaining_balance: (loan.facilitation_fee || 0) +
-                           (loan.accrued_penalty || 0) +
-                           (loan.accrued_interest || 0) +
+          remaining_balance: pending_facilitation_fee +
+                           pending_penalty +
+                           pending_interest +
                            (loan.remaining_amount || 0)
         },
         message: loan.status == "paid" ? "Loan fully paid off" : "Payment processed successfully"
       }
     end
 
+    # Build error result hash
+    #
+    # @param message [String] Error message describing what went wrong
+    # @return [Hash] Error response with success: false and error message
     def error_result(message)
       {
         success: false,

data/config/locales/en.yml

@@ -102,6 +102,40 @@ en:
       calculate_facility_limits: "Failed to calculate facility limits"
       apply_risk_factor: "Failed to apply risk factor"
 
+  loan_accrual:
+    success:
+      index: "Loan accruals retrieved successfully"
+      show: "Loan accrual details retrieved successfully"
+      create: "Loan accrual created successfully"
+      update: "Loan accrual updated successfully"
+      destroy: "Loan accrual deleted successfully"
+      mark_paid: "Loan accrual marked as paid successfully"
+      generate: "Loan accruals generated successfully"
+      statistics: "Loan accrual statistics retrieved successfully"
+    errors:
+      index: "Failed to retrieve loan accruals"
+      show: "Failed to retrieve loan accrual details"
+      create: "Failed to create loan accrual"
+      update: "Failed to update loan accrual"
+      destroy: "Failed to delete loan accrual"
+      mark_paid: "Failed to mark loan accrual as paid"
+      invalid_accrual_type: "Invalid accrual type"
+      amount_must_be_positive: "Accrual amount must be positive"
+      generate: "Failed to generate loan accruals"
+      statistics: "Failed to retrieve loan accrual statistics"
+
+  loan:
+    success:
+      index: "Loans retrieved successfully"
+      show: "Loan details retrieved successfully"
+      create: "Loan created successfully"
+      update: "Loan updated successfully"
+    errors:
+      index: "Failed to retrieve loans"
+      show: "Failed to retrieve loan details"
+      create: "Failed to create loan"
+      update: "Failed to update loan"
+
   parameter_normalizer:
     success:
       index: "Parameter normalizers retrieved successfully"
@@ -299,6 +333,7 @@ en:
       reject: "Facilitator application rejected successfully"
       request_modification: "Modification requested for facilitator application successfully"
       resubmit: "Facilitator application resubmitted successfully"
+      bulk_create: "Facilitator applications bulk creation completed"
     errors:
       index: "Failed to retrieve facilitator applications"
       show: "Failed to retrieve facilitator application details"
@@ -308,6 +343,7 @@ en:
       reject: "Failed to reject facilitator application"
       request_modification: "Failed to request modification for facilitator application"
       resubmit: "Failed to resubmit facilitator application"
+      bulk_create: "Failed to bulk create facilitator applications"
       not_found: "Facilitator application not found"
 
   # Global messages

data/config/routes.rb

@@ -3,6 +3,12 @@ Dscf::Credit::Engine.routes.draw do
   resources :bank_branches
   resources :payments
   resources :loans
+  resources :loan_accruals do
+    collection do
+      post :generate
+      get :statistics
+    end
+  end
   resources :scoring_param_types
 
   resources :facilitators do
@@ -81,6 +87,10 @@ Dscf::Credit::Engine.routes.draw do
   end
 
   resources :facilitator_applications do
+    collection do
+      post "bulk_create"
+    end
+
     member do
       patch "approve"
       patch "reject"

data/db/migrate/20250822092426_create_dscf_credit_facilitator_applications.rb

@@ -3,7 +3,7 @@ class CreateDscfCreditFacilitatorApplications < ActiveRecord::Migration[8.0]
     create_table :dscf_credit_facilitator_applications do |t|
       t.references :user, null: false, foreign_key: { to_table: :dscf_core_users }
       t.references :bank, null: false, foreign_key: { to_table: :dscf_credit_banks }
-      t.jsonb :facilitator_info, null: false, default: {}
+      t.jsonb :facilitator_info, null: true, default: {}
       t.timestamps
     end
   end

data/db/migrate/20250822092654_create_dscf_credit_loans.rb

@@ -5,10 +5,6 @@ class CreateDscfCreditLoans < ActiveRecord::Migration[8.0]
       t.references :credit_line, null: false, foreign_key: { to_table: :dscf_credit_credit_lines }
       t.string :status, default: 'pending'
       t.decimal :principal_amount, precision: 15, scale: 2, null: false
-      t.decimal :accrued_interest, precision: 15, scale: 2, default: 0
-      t.decimal :accrued_penalty, precision: 15, scale: 2, default: 0
-      t.decimal :facilitation_fee, precision: 15, scale: 2, default: 0
-      t.decimal :total_loan_amount, precision: 15, scale: 2, null: false
       t.decimal :remaining_amount, precision: 15, scale: 2, null: false
       t.date :due_date, null: false
       t.datetime :disbursed_at

data/db/migrate/20251003132939_create_dscf_credit_loan_accruals.rb

@@ -0,0 +1,19 @@
+class CreateDscfCreditLoanAccruals < ActiveRecord::Migration[8.0]
+  def change
+    create_table :dscf_credit_loan_accruals do |t|
+      t.references :loan, null: false, foreign_key: { to_table: :dscf_credit_loans }
+      t.string :accrual_type, null: false
+      t.decimal :amount, precision: 15, scale: 2, null: false
+      t.date :applied_on, null: false
+      t.string :status, default: 'pending', null: false
+
+      t.timestamps
+    end
+
+    add_index :dscf_credit_loan_accruals, :accrual_type
+    add_index :dscf_credit_loan_accruals, :applied_on
+    add_index :dscf_credit_loan_accruals, :status
+    add_index :dscf_credit_loan_accruals, [ :loan_id, :accrual_type ]
+    add_index :dscf_credit_loan_accruals, [ :loan_id, :status ]
+  end
+end

data/db/seeds.rb

@@ -811,16 +811,30 @@ loan1 = Dscf::Credit::Loan.create!(
   credit_line: credit_line1,
   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,
+  remaining_amount: 50000.00,
   due_date: 3.months.from_now.to_date,
   disbursed_at: 1.day.ago,
   active: true
 )
 
+# 12.5. Loan Accruals (depends on loans)
+puts "Seeding loan accruals..."
+Dscf::Credit::LoanAccrual.create!(
+  loan: loan1,
+  accrual_type: 'interest',
+  amount: 250.00,
+  applied_on: 1.month.ago.to_date,
+  status: 'pending'
+)
+
+Dscf::Credit::LoanAccrual.create!(
+  loan: loan1,
+  accrual_type: 'facilitation_fee',
+  amount: 1000.00,
+  applied_on: 1.day.ago.to_date,
+  status: 'paid'
+)
+
 # 13. Loan Transactions (depends on loans)
 puts "Seeding loan transactions..."
 Dscf::Credit::LoanTransaction.create!(
@@ -863,6 +877,7 @@ 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 "- Loan Accruals: #{Dscf::Credit::LoanAccrual.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}"

data/lib/dscf/credit/version.rb

@@ -1,5 +1,5 @@
 module Dscf
   module Credit
-    VERSION = "0.1.6"
+    VERSION = "0.1.8"
   end
 end

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

@@ -0,0 +1,29 @@
+FactoryBot.define do
+  factory :loan_accrual, class: "Dscf::Credit::LoanAccrual" do
+    association :loan, factory: :loan
+    accrual_type { %w[interest penalty tax facilitation_fee late_fee other].sample }
+    amount { Faker::Number.decimal(l_digits: 3, r_digits: 2) }
+    applied_on { Faker::Date.between(from: 1.month.ago, to: Date.current) }
+    status { %w[pending paid cancelled].sample }
+
+    trait :interest do
+      accrual_type { "interest" }
+    end
+
+    trait :penalty do
+      accrual_type { "penalty" }
+    end
+
+    trait :pending do
+      status { "pending" }
+    end
+
+    trait :paid do
+      status { "paid" }
+    end
+
+    trait :cancelled do
+      status { "cancelled" }
+    end
+  end
+end

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

@@ -4,10 +4,6 @@ FactoryBot.define do
     association :credit_line, factory: :credit_line
     status { %w[pending approved disbursed active overdue paid closed].sample }
     principal_amount { Faker::Number.decimal(l_digits: 5, r_digits: 2) }
-    accrued_interest { Faker::Number.decimal(l_digits: 3, r_digits: 2) }
-    accrued_penalty { Faker::Number.decimal(l_digits: 3, r_digits: 2) }
-    facilitation_fee { Faker::Number.decimal(l_digits: 3, r_digits: 2) }
-    total_loan_amount { principal_amount + accrued_interest + facilitation_fee }
     remaining_amount { Faker::Number.decimal(l_digits: 5, r_digits: 2) }
     due_date { Faker::Date.between(from: 1.month.from_now, to: 6.months.from_now) }
     disbursed_at { Faker::Time.between(from: 2.months.ago, to: Time.current) if status.in?(%w[disbursed active overdue paid closed]) }

metadata

@@ -1,13 +1,13 @@
 --- !ruby/object:Gem::Specification
 name: dscf-credit
 version: !ruby/object:Gem::Version
-  version: 0.1.6
+  version: 0.1.8
 platform: ruby
 authors:
 - Adoniyas
 bindir: bin
 cert_chain: []
-date: 2025-10-01 00:00:00.000000000 Z
+date: 2025-10-04 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: dscf-core
@@ -333,6 +333,7 @@ files:
 - app/controllers/dscf/credit/eligible_credit_lines_controller.rb
 - app/controllers/dscf/credit/facilitator_applications_controller.rb
 - app/controllers/dscf/credit/facilitators_controller.rb
+- app/controllers/dscf/credit/loan_accruals_controller.rb
 - app/controllers/dscf/credit/loan_applications_controller.rb
 - app/controllers/dscf/credit/loan_profiles_controller.rb
 - app/controllers/dscf/credit/loans_controller.rb
@@ -344,6 +345,7 @@ files:
 - app/controllers/dscf/credit/system_configs_controller.rb
 - app/controllers/dscf/credit/users_controller.rb
 - app/jobs/dscf/credit/application_job.rb
+- app/jobs/dscf/credit/generate_daily_accruals_job.rb
 - app/mailers/dscf/credit/application_mailer.rb
 - app/mailers/dscf/credit/bank_staff_welcome_mailer.rb
 - app/mailers/dscf/credit/facilitator_mailer.rb
@@ -364,6 +366,7 @@ files:
 - app/models/dscf/credit/facilitator_performance.rb
 - app/models/dscf/credit/failed_operations_log.rb
 - app/models/dscf/credit/loan.rb
+- app/models/dscf/credit/loan_accrual.rb
 - app/models/dscf/credit/loan_application.rb
 - app/models/dscf/credit/loan_profile.rb
 - app/models/dscf/credit/loan_profile_scoring_spec.rb
@@ -390,6 +393,7 @@ files:
 - app/serializers/dscf/credit/facilitator_application_serializer.rb
 - app/serializers/dscf/credit/facilitator_performance_serializer.rb
 - app/serializers/dscf/credit/facilitator_serializer.rb
+- app/serializers/dscf/credit/loan_accrual_serializer.rb
 - app/serializers/dscf/credit/loan_application_serializer.rb
 - app/serializers/dscf/credit/loan_profile_scoring_spec_serializer.rb
 - app/serializers/dscf/credit/loan_profile_serializer.rb
@@ -408,6 +412,7 @@ files:
 - app/services/dscf/credit/facilitator_approval_service.rb
 - app/services/dscf/credit/facilitator_creation_service.rb
 - app/services/dscf/credit/facility_limit_calculation_engine.rb
+- app/services/dscf/credit/loan_accrual_generator_service.rb
 - app/services/dscf/credit/loan_profile_creation_service.rb
 - app/services/dscf/credit/repayment_service.rb
 - app/services/dscf/credit/risk_application_service.rb
@@ -450,6 +455,7 @@ files:
 - db/migrate/20250822092936_create_dscf_credit_accounting_entries.rb
 - db/migrate/20250825231109_create_dscf_credit_bank_staff.rb
 - db/migrate/20250917120000_create_dscf_credit_eligible_credit_lines.rb
+- db/migrate/20251003132939_create_dscf_credit_loan_accruals.rb
 - db/seeds.rb
 - lib/dscf/credit.rb
 - lib/dscf/credit/engine.rb
@@ -469,6 +475,7 @@ files:
 - spec/factories/dscf/credit/facilitator_performances.rb
 - spec/factories/dscf/credit/facilitators.rb
 - spec/factories/dscf/credit/failed_operations_logs.rb
+- spec/factories/dscf/credit/loan_accruals.rb
 - spec/factories/dscf/credit/loan_applications.rb
 - spec/factories/dscf/credit/loan_profile_scoring_specs.rb
 - spec/factories/dscf/credit/loan_profiles.rb