dscf-credit 0.2.6 → 0.2.7

checksums.yaml

@@ -1,7 +1,7 @@
 ---
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+  data.tar.gz: d84818826abcfb81ad715806b7383c1ed3aa64672e7e58460af664e65c46ca0f
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data/app/serializers/dscf/credit/loan_profile_serializer.rb

@@ -1,6 +1,10 @@
 module Dscf::Credit
   class LoanProfileSerializer < ActiveModel::Serializer
-    attributes :id, :code, :score, :total_limit, :created_at, :updated_at
+    attributes :id, :code, :score, :total_limit, :created_at, :updated_at, :user_id
+
+    attribute :user_id do
+      object.loan_application.user_id
+    end
 
     belongs_to :loan_application, serializer: Dscf::Credit::LoanApplicationSerializer
 

data/app/serializers/dscf/credit/loan_serializer.rb

@@ -12,9 +12,14 @@ module Dscf::Credit
                :total_facilitation_fee,
                :total_outstanding,
                :active,
+               :user_id,
                :created_at,
                :updated_at
 
+    attribute :user_id do
+      object.loan_profile.loan_application.user_id
+    end
+
     belongs_to :loan_profile, serializer: LoanProfileSerializer
     belongs_to :credit_line, serializer: CreditLineSerializer
     has_many :loan_transactions, serializer: LoanTransactionSerializer

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

@@ -82,9 +82,6 @@ module Dscf::Credit
       # Create facilitator fee accrual
       create_facilitator_fee_accrual(loan, loan_terms[:facilitation_fee])
 
-      # Create VAT accrual if applicable
-      create_vat_accrual(loan, loan_terms[:vat_amount]) if loan_terms[:vat_amount] > 0
-
       loan
     end
 
@@ -99,18 +96,15 @@ module Dscf::Credit
       end
 
       facilitation_rate = credit_line_spec.facilitation_fee_rate
-      vat_rate = credit_line_spec.vat
       loan_duration = credit_line_spec.loan_duration
 
       facilitation_fee = principal * facilitation_rate
-      vat_amount = facilitation_fee * vat_rate
-      total_amount = principal + facilitation_fee + vat_amount
+      total_amount = principal + facilitation_fee
 
       due_date = Date.current + loan_duration.days
 
       {
         facilitation_fee: facilitation_fee.round(2),
-        vat_amount: vat_amount.round(2),
         total_amount: total_amount.round(2),
         due_date: due_date
       }
@@ -128,23 +122,10 @@ module Dscf::Credit
       )
     end
 
-    def create_vat_accrual(loan, vat_amount)
-      return if vat_amount <= 0
-
-      Dscf::Credit::LoanAccrual.create!(
-        loan: loan,
-        accrual_type: "tax",
-        amount: vat_amount,
-        applied_on: Date.current,
-        status: "pending"
-      )
-    end
-
     def update_credit_line_limits(loan)
-      # Calculate total amount from accruals: principal + facilitation_fee + vat
+      # Calculate total amount from accruals: principal + facilitation_fee
       facilitation_fee = loan.loan_accruals.find_by(accrual_type: "facilitation_fee")&.amount || 0
-      vat = loan.loan_accruals.find_by(accrual_type: "tax")&.amount || 0
-      total_amount = loan.principal_amount + facilitation_fee + vat
+      total_amount = loan.principal_amount + facilitation_fee
 
       new_available_limit = eligible_credit_line.available_limit - total_amount
       eligible_credit_line.update!(available_limit: [ new_available_limit, 0 ].max)
@@ -155,11 +136,9 @@ module Dscf::Credit
       loan.reload
 
       facilitation_fee_accrual = loan.loan_accruals.find_by(accrual_type: "facilitation_fee")
-      vat_accrual = loan.loan_accruals.find_by(accrual_type: "tax")
 
       facilitation_fee = facilitation_fee_accrual&.amount&.to_f || 0.0
-      vat_amount = vat_accrual&.amount&.to_f || 0.0
-      total_amount = loan.principal_amount.to_f + facilitation_fee + vat_amount
+      total_amount = loan.principal_amount.to_f + facilitation_fee
 
       {
         success: true,
@@ -167,7 +146,6 @@ module Dscf::Credit
         disbursement_details: {
           principal_amount: loan.principal_amount.to_f,
           facilitation_fee: facilitation_fee,
-          vat_amount: vat_amount,
           total_loan_amount: total_amount,
           due_date: loan.due_date,
           disbursed_at: loan.disbursed_at

data/lib/dscf/credit/version.rb

@@ -1,5 +1,5 @@
 module Dscf
   module Credit
-    VERSION = "0.2.6"
+    VERSION = "0.2.7"
   end
 end

metadata

@@ -1,13 +1,13 @@
 --- !ruby/object:Gem::Specification
 name: dscf-credit
 version: !ruby/object:Gem::Version
-  version: 0.2.6
+  version: 0.2.7
 platform: ruby
 authors:
 - Adoniyas
 bindir: bin
 cert_chain: []
-date: 2025-10-08 00:00:00.000000000 Z
+date: 2025-10-09 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: dscf-core