dscf-credit 0.1.7 → 0.1.8

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

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 = "0.1.7"
+    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: 0.1.7
+  version: 0.1.8
 platform: ruby
 authors:
 - Adoniyas
 bindir: bin
 cert_chain: []
-date: 2025-10-02 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