dscf-credit 0.3.7 → 0.3.9

checksums.yaml

@@ -1,7 +1,7 @@
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data/app/controllers/dscf/credit/credit_lines_controller.rb

@@ -2,19 +2,31 @@ module Dscf::Credit
   class CreditLinesController < ApplicationController
     include Dscf::Core::Common
     include Dscf::Core::ReviewableController
+    include Dscf::Core::AuditableController
+
+    auditable associated: :reviews,
+              only: [ :status ],
+              on: %i[approve reject request_modification resubmit]
 
     def create
       super do
         credit_line = @clazz.new(model_params)
         credit_line.created_by = current_user
-        credit_line.reviews.build(
-          status: "pending",
-          context: "default",
-        )
+        credit_line.reviews.build(status: "draft", context: "default")
         credit_line
       end
     end
 
+    def update
+      unless @obj.editable?
+        return render_error(
+          errors: [ "Cannot update credit line after submission. Use modification request workflow instead." ],
+          status: :unprocessable_entity
+        )
+      end
+      super
+    end
+
     private
 
     def model_params
@@ -32,7 +44,8 @@ module Dscf::Credit
       [
         :bank, :category, :created_by, :loans, :eligible_credit_lines,
         credit_line_specs: :base_scoring_parameter,
-        reviews: { reviewed_by: :user_profile }
+        reviews: { reviewed_by: :user_profile },
+        audit_logs: :actor
       ]
     end
 
@@ -46,7 +59,8 @@ module Dscf::Credit
         show: [
           :bank, :category, :created_by, :loans, :eligible_credit_lines,
           credit_line_specs: :base_scoring_parameter,
-          reviews: { reviewed_by: :user_profile }
+          reviews: { reviewed_by: :user_profile },
+          audit_logs: :actor
         ],
         create: [ :bank, :category, :created_by, :reviews ],
         update: [

data/app/controllers/dscf/credit/facilitator_applications_controller.rb

@@ -2,6 +2,11 @@ module Dscf::Credit
   class FacilitatorApplicationsController < ApplicationController
     include Dscf::Core::Common
     include Dscf::Core::ReviewableController
+    include Dscf::Core::AuditableController
+
+    auditable associated: [ :reviews ],
+              only: [ :status ],
+              on: %i[approve reject request_modification resubmit]
 
     def create
       super do
@@ -9,12 +14,22 @@ module Dscf::Credit
 
         user = Dscf::Core::User.find(model_params[:user_id])
         facilitator_application.user = user
-        facilitator_application.reviews.build(context: "default", status: "pending")
+        facilitator_application.reviews.build(context: "default", status: "draft")
 
         facilitator_application
       end
     end
 
+    def update
+      unless @obj.editable?
+        return render_error(
+          errors: [ "Cannot update facilitator application after submission. Use modification request workflow instead." ],
+          status: :unprocessable_entity
+        )
+      end
+      super
+    end
+
     def bulk_create
       if params[:facilitator_applications].blank?
         return render_error(
@@ -102,7 +117,7 @@ module Dscf::Credit
     end
 
     def eager_loaded_associations
-      [ :user, :bank, { user: { businesses: :business_type } }, reviews: { reviewed_by: :user_profile } ]
+      [ :user, :bank, { user: { businesses: :business_type } }, reviews: { reviewed_by: :user_profile }, audit_logs: :actor ]
     end
 
     def allowed_order_columns
@@ -111,7 +126,8 @@ module Dscf::Credit
 
     def default_serializer_includes
       {
-        default: [ :user, :bank, { user: { businesses: :business_type } }, reviews: { reviewed_by: :user_profile } ]
+        default: [ :user, :bank, { user: { businesses: :business_type } }, reviews: { reviewed_by: :user_profile } ],
+        show: [ :user, :bank, { user: { businesses: :business_type } }, reviews: { reviewed_by: :user_profile }, audit_logs: :actor ]
       }
     end
   end

data/app/controllers/dscf/credit/facilitators_controller.rb

@@ -3,6 +3,24 @@ module Dscf::Credit
     include Dscf::Core::Common
     include Dscf::Core::ReviewableController
 
+    def create
+      super do
+        facilitator = @clazz.new(model_params)
+        facilitator.reviews.build(status: "draft", context: "default")
+        facilitator
+      end
+    end
+
+    def update
+      unless @obj.editable?
+        return render_error(
+          errors: [ "Cannot update facilitator after submission. Use modification request workflow instead." ],
+          status: :unprocessable_entity
+        )
+      end
+      super
+    end
+
     private
 
     def model_params

data/app/controllers/dscf/credit/loan_applications_controller.rb

@@ -2,14 +2,22 @@ module Dscf::Credit
   class LoanApplicationsController < ApplicationController
     include Dscf::Core::Common
     include Dscf::Core::ReviewableController
+    include Dscf::Core::AuditableController
+
+    auditable associated: [ :reviews ],
+              only: [ :status ],
+              on: %i[approve reject request_modification resubmit]
+
     reviewable_context :default,
-      statuses: %w[pending approved rejected modify],
-      initial_status: "pending",
+      statuses: %w[draft pending approved rejected modify],
+      initial_status: "draft",
       transitions: {
+        "draft" => [ "pending" ],
         "pending" => %w[approved rejected modify],
         "modify" => [ "pending" ]
       },
     actions: {
+      submit: { status: "pending" },
       approve: {
         status: "approved",
         after: ->(review) {
@@ -27,12 +35,22 @@ module Dscf::Credit
       super do
         loan_application = @clazz.new(model_params)
         loan_application.user = current_user
-        loan_application.reviews.build(context: "default", status: "pending")
+        loan_application.reviews.build(context: "default", status: "draft")
 
         loan_application
       end
     end
 
+    def update
+      unless @obj.editable?
+        return render_error(
+          errors: [ "Cannot update loan application after submission. Use modification request workflow instead." ],
+          status: :unprocessable_entity
+        )
+      end
+      super
+    end
+
     def update_bank_info
       loan_application = @clazz.find(params[:id])
       if loan_application.update(bank_info: bank_info_params)
@@ -264,7 +282,8 @@ module Dscf::Credit
     def eager_loaded_associations
       [
         :bank, :user, :backer, :review_branch, :loan_profile,
-        reviews: { reviewed_by: :user_profile }
+        reviews: { reviewed_by: :user_profile },
+        audit_logs: :actor
       ]
     end
 
@@ -280,7 +299,8 @@ module Dscf::Credit
         ],
         show: [
           :bank, :user, :backer, :review_branch, :loan_profile,
-          reviews: { reviewed_by: :user_profile }
+          reviews: { reviewed_by: :user_profile },
+          audit_logs: :actor
         ],
         create: [
           :bank, :user, :backer, :review_branch, :loan_profile, :reviews

data/app/controllers/dscf/credit/loan_profiles_controller.rb

@@ -7,13 +7,23 @@ module Dscf::Credit
       super do
         loan_profile = @clazz.new(model_params)
         loan_profile.reviews.build(
-          status: "pending",
+          status: "draft",
           context: "default",
         )
         loan_profile
       end
     end
 
+    def update
+      unless @obj.editable?
+        return render_error(
+          errors: [ "Cannot update loan profile after submission. Use modification request workflow instead." ],
+          status: :unprocessable_entity
+        )
+      end
+      super
+    end
+
 
     def calculate_facility_limits
       loan_profile = @clazz.find(params[:id])

data/app/controllers/dscf/credit/loan_transactions_controller.rb

@@ -0,0 +1,34 @@
+module Dscf::Credit
+  class LoanTransactionsController < ApplicationController
+    include Dscf::Core::Common
+
+    private
+
+    def model_params
+      params.require(:loan_transaction).permit(
+        :loan_id,
+        :transaction_type,
+        :amount,
+        :transaction_reference,
+        :status
+      )
+    end
+
+    def eager_loaded_associations
+      [ :loan ]
+    end
+
+    def allowed_order_columns
+      %w[id transaction_type amount transaction_reference status created_at updated_at]
+    end
+
+    def default_serializer_includes
+      {
+        index: [ :loan ],
+        show: [ :loan ],
+        create: [ :loan ],
+        update: [ :loan ]
+      }
+    end
+  end
+end

data/app/controllers/dscf/credit/loans_controller.rb

@@ -28,7 +28,7 @@ module Dscf::Credit
     def default_serializer_includes
       {
         index: [ :loan_profile, :credit_line ],
-        show: [ :loan_profile, :credit_line, :loan_accruals ],
+        show: [ :loan_profile, :credit_line, :loan_accruals, :loan_transactions ],
         create: [ :loan_profile, :credit_line ],
         update: [ :loan_profile, :credit_line ]
       }

data/app/controllers/dscf/credit/scoring_parameters_controller.rb

@@ -2,12 +2,17 @@ module Dscf::Credit
   class ScoringParametersController < ApplicationController
     include Dscf::Core::Common
     include Dscf::Core::ReviewableController
+    include Dscf::Core::AuditableController
+
+    auditable associated: [ :reviews ],
+              only: [ :status ],
+              on: %i[approve reject request_modification resubmit]
 
     def create
       super do
         scoring_parameter = @clazz.new(model_params)
         scoring_parameter.created_by = current_user
-        scoring_parameter.reviews.build(context: "default", status: "pending")
+        scoring_parameter.reviews.build(context: "default", status: "draft")
 
         if validate_scoring_param_type_weight_limit(scoring_parameter)
           scoring_parameter
@@ -20,6 +25,13 @@ module Dscf::Credit
     end
 
     def update
+      unless @obj.editable?
+        return render_error(
+          errors: [ "Cannot update scoring parameter after submission. Use modification request workflow instead." ],
+          status: :unprocessable_entity
+        )
+      end
+
       unless validate_scoring_param_type_weight_limit(@obj, exclude_current: true)
         @obj.errors.add(:weight, "would exceed the total weight limit of 1.0 for this scoring parameter type")
         render_error(errors: @obj.errors.full_messages, status: :unprocessable_entity)
@@ -52,7 +64,8 @@ module Dscf::Credit
     def eager_loaded_associations
       [
         :bank, :category, :created_by, :scoring_param_type, :previous_version, :parameter_normalizers,
-        reviews: { reviewed_by: :user_profile }
+        reviews: { reviewed_by: :user_profile },
+        audit_logs: :actor
       ]
     end
 
@@ -65,7 +78,8 @@ module Dscf::Credit
         index: [ :bank, :category, :parameter_normalizers, :scoring_param_type, reviews: { reviewed_by: :user_profile } ],
         show: [
           :bank, :category, :created_by, :scoring_param_type, :previous_version, :parameter_normalizers,
-          reviews: { reviewed_by: :user_profile }
+          reviews: { reviewed_by: :user_profile },
+          audit_logs: :actor
         ],
         create: [ :bank, :category, :created_by, :scoring_param_type ],
         update: [

data/app/controllers/dscf/credit/system_configs_controller.rb

@@ -7,13 +7,20 @@ module Dscf::Credit
       super do
         obj = @clazz.new(model_params)
         obj.last_updated_by = current_user
-        obj.reviews.build(context: "default", status: "pending")
+        obj.reviews.build(context: "default", status: "draft")
 
         obj
       end
     end
 
     def update
+      unless @obj.editable?
+        return render_error(
+          errors: [ "Cannot update system config after submission. Use modification request workflow instead." ],
+          status: :unprocessable_entity
+        )
+      end
+
       super do
         obj = set_object
         obj.last_updated_by = current_user

data/app/models/dscf/credit/credit_line.rb

@@ -3,6 +3,7 @@ module Dscf::Credit
     self.table_name = "dscf_credit_credit_lines"
 
     include Dscf::Core::ReviewableModel
+    include Dscf::Core::AuditableModel
 
     belongs_to :bank, class_name: "Dscf::Credit::Bank", foreign_key: "bank_id"
     belongs_to :category, class_name: "Dscf::Credit::Category", foreign_key: "category_id"

data/app/models/dscf/credit/facilitator_application.rb

@@ -3,6 +3,7 @@ module Dscf::Credit
     self.table_name = "dscf_credit_facilitator_applications"
 
     include Dscf::Core::ReviewableModel
+    include Dscf::Core::AuditableModel
 
     belongs_to :user, class_name: "Dscf::Core::User", foreign_key: "user_id"
     belongs_to :bank, class_name: "Dscf::Credit::Bank", foreign_key: "bank_id"
@@ -13,7 +14,7 @@ module Dscf::Credit
     end
 
     def self.ransackable_associations(auth_object = nil)
-      %w[user bank reviews]
+      %w[user bank reviews audit_logs]
     end
   end
 end

data/app/models/dscf/credit/loan_application.rb

@@ -3,6 +3,7 @@ module Dscf::Credit
     self.table_name = "dscf_credit_loan_applications"
 
     include Dscf::Core::ReviewableModel
+    include Dscf::Core::AuditableModel
 
     belongs_to :bank, class_name: "Dscf::Credit::Bank", foreign_key: "bank_id"
     if defined?(Dscf::Core::User)
@@ -24,7 +25,7 @@ module Dscf::Credit
     end
 
     def self.ransackable_associations(auth_object = nil)
-      %w[bank user backer review_branch loan_profile reviews]
+      %w[bank user backer review_branch loan_profile reviews audit_logs]
     end
   end
 end

data/app/models/dscf/credit/loan_transaction.rb

@@ -6,12 +6,22 @@ module Dscf::Credit
 
     validates :transaction_type, :amount, :transaction_reference, :status, presence: true
     validates :amount, numericality: { greater_than: 0 }
-    validates :transaction_type, inclusion: { in: %w[disbursement repayment interest_accrual penalty fee_charge] }
+    validates :transaction_type, inclusion: { in: %w[disbursement repayment interest_accrual penalty fee_charge reversal adjustment] }
     validates :status, inclusion: { in: %w[pending processing completed failed reversed] }
     validates :transaction_reference, uniqueness: true
 
     scope :by_status, ->(status) { where(status: status) }
+    scope :completed, -> { where(status: "completed") }
+    scope :pending, -> { where(status: "pending") }
     scope :disbursements, -> { where(transaction_type: "disbursement") }
     scope :repayments, -> { where(transaction_type: "repayment") }
+
+    def self.ransackable_attributes(auth_object = nil)
+      %w[id transaction_type amount transaction_reference status created_at updated_at]
+    end
+
+    def self.ransackable_associations(auth_object = nil)
+      %w[loan]
+    end
   end
 end

data/app/models/dscf/credit/scoring_parameter.rb

@@ -3,6 +3,7 @@ module Dscf::Credit
     self.table_name = "dscf_credit_scoring_parameters"
 
     include Dscf::Core::ReviewableModel
+    include Dscf::Core::AuditableModel
 
     belongs_to :bank, class_name: "Dscf::Credit::Bank", foreign_key: "bank_id"
     belongs_to :category, class_name: "Dscf::Credit::Category", foreign_key: "category_id"
@@ -23,7 +24,7 @@ module Dscf::Credit
     end
 
     def self.ransackable_associations(auth_object = nil)
-      %w[bank created_by scoring_param_type previous_version parameter_normalizers categories reviews]
+      %w[bank created_by scoring_param_type previous_version parameter_normalizers categories reviews audit_logs]
     end
   end
 end

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

@@ -10,5 +10,6 @@ module Dscf::Credit
     has_many :loans, serializer: Dscf::Credit::LoanSerializer
     has_many :eligible_credit_lines, serializer: Dscf::Credit::EligibleCreditLineSerializer
     has_many :reviews, serializer: Dscf::Core::ReviewSerializer
+    has_many :audit_logs, serializer: Dscf::Core::AuditLogSerializer
   end
 end

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

@@ -4,4 +4,5 @@ class Dscf::Credit::FacilitatorApplicationSerializer < ActiveModel::Serializer
   belongs_to :user, serializer: Dscf::Core::UserSerializer
   belongs_to :bank, serializer: Dscf::Credit::BankSerializer
   has_many :reviews, serializer: Dscf::Core::ReviewSerializer
+  has_many :audit_logs, serializer: Dscf::Core::AuditLogSerializer
 end

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

@@ -8,5 +8,6 @@ module Dscf::Credit
     belongs_to :backer, polymorphic: true
     belongs_to :review_branch, serializer: Dscf::Credit::BankBranchSerializer
     has_many :reviews, serializer: Dscf::Core::ReviewSerializer
+    has_many :audit_logs, serializer: Dscf::Core::AuditLogSerializer
   end
 end

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

@@ -10,5 +10,6 @@ module Dscf::Credit
     belongs_to :previous_version, serializer: Dscf::Credit::ScoringParameterSerializer
     has_many :parameter_normalizers, serializer: Dscf::Credit::ParameterNormalizerSerializer
     has_many :reviews, serializer: Dscf::Core::ReviewSerializer
+    has_many :audit_logs, serializer: Dscf::Core::AuditLogSerializer
   end
 end

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

@@ -31,8 +31,9 @@ module Dscf::Credit
         loan = create_loan_record(credit_line)
         update_credit_line_limits(loan)
         lock_other_credit_lines(loan_profile, credit_line)
+        loan_transaction = create_disbursement_transaction(loan)
 
-        success_result(loan)
+        success_result(loan, loan_transaction)
       end
     rescue StandardError => e
       error_result("Disbursement processing failed: #{e.message}")
@@ -132,7 +133,16 @@ module Dscf::Credit
       eligible_credit_line.update!(available_limit: [ new_available_limit, 0 ].max)
     end
 
-    def success_result(loan)
+    def create_disbursement_transaction(loan)
+      transaction_service = LoanTransactionCreatorService.new(loan)
+      transaction_service.create_transaction(
+        transaction_type: "disbursement",
+        amount: loan.principal_amount,
+        status: "completed"
+      )
+    end
+
+    def success_result(loan, loan_transaction)
       # Reload to get associated accruals
       loan.reload
 
@@ -144,12 +154,14 @@ module Dscf::Credit
       {
         success: true,
         loan: loan,
+        loan_transaction: loan_transaction,
         disbursement_details: {
           principal_amount: loan.principal_amount.to_f,
           facilitation_fee: facilitation_fee,
           total_loan_amount: total_amount,
           due_date: loan.due_date,
-          disbursed_at: loan.disbursed_at
+          disbursed_at: loan.disbursed_at,
+          transaction_reference: loan_transaction.transaction_reference
         },
         message: "Disbursement processed successfully"
       }

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

@@ -0,0 +1,71 @@
+module Dscf::Credit
+  # Service for creating loan transaction records
+  # Handles transaction creation with automatic reference generation
+  #
+  # @example Disbursement transaction
+  #   service = LoanTransactionCreatorService.new(loan)
+  #   transaction = service.create_transaction(
+  #     transaction_type: "disbursement",
+  #     amount: 50000.00,
+  #     status: "completed"
+  #   )
+  #
+  # @example Repayment transaction
+  #   service = LoanTransactionCreatorService.new(loan)
+  #   transaction = service.create_transaction(
+  #     transaction_type: "repayment",
+  #     amount: 5000.00,
+  #     status: "completed"
+  #   )
+  class LoanTransactionCreatorService
+    attr_reader :loan
+
+    # Transaction type prefixes for reference generation
+    TRANSACTION_PREFIXES = {
+      "disbursement" => "DSB",
+      "repayment" => "RPY",
+      "interest_accrual" => "INT",
+      "penalty" => "PEN",
+      "fee_charge" => "FEE",
+      "reversal" => "REV",
+      "adjustment" => "ADJ"
+    }.freeze
+
+    def initialize(loan)
+      @loan = loan
+    end
+
+    # Create a loan transaction record
+    #
+    # @param transaction_type [String] Type of transaction (disbursement, repayment, etc.)
+    # @param amount [Numeric] Transaction amount
+    # @param status [String] Transaction status (pending, completed, failed, etc.)
+    # @return [Dscf::Credit::LoanTransaction] Created transaction record
+    def create_transaction(transaction_type:, amount:, status: "completed")
+      transaction_reference = generate_transaction_reference(transaction_type)
+
+      Dscf::Credit::LoanTransaction.create!(
+        loan: loan,
+        transaction_type: transaction_type,
+        amount: amount,
+        transaction_reference: transaction_reference,
+        status: status
+      )
+    end
+
+    private
+
+    # Generate unique transaction reference
+    # Format: PREFIX-LOAN_ID-TIMESTAMP-RANDOM
+    #
+    # @param transaction_type [String] Type of transaction
+    # @return [String] Generated reference
+    def generate_transaction_reference(transaction_type)
+      prefix = TRANSACTION_PREFIXES[transaction_type]
+      timestamp = Time.current.to_i
+      random = SecureRandom.hex(4)
+
+      "#{prefix}-#{loan.id}-#{timestamp}-#{random}"
+    end
+  end
+end

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

@@ -85,7 +85,9 @@ module Dscf::Credit
 
         reactivate_facilities_if_paid_off
 
-        success_result(payment_allocation)
+        loan_transaction = create_repayment_transaction(payment_allocation)
+
+        success_result(payment_allocation, loan_transaction)
       end
     rescue StandardError => e
       error_result("Repayment processing failed: #{e.message}")
@@ -345,11 +347,25 @@ module Dscf::Credit
       Rails.logger.info "Updated loan profile #{loan_profile.id} total limit to #{total_available_limit}"
     end
 
+    # Create a loan transaction record for the repayment
+    #
+    # @param allocation [Hash] The allocation hash with payment details
+    # @return [Dscf::Credit::LoanTransaction] The created transaction record
+    def create_repayment_transaction(allocation)
+      transaction_service = LoanTransactionCreatorService.new(loan)
+      transaction_service.create_transaction(
+        transaction_type: "repayment",
+        amount: payment_amount,
+        status: "completed"
+      )
+    end
+
     # Build success result hash
     #
     # @param allocation [Hash] The allocation hash with payment details
+    # @param loan_transaction [Dscf::Credit::LoanTransaction] The created transaction record
     # @return [Hash] Success response with loan, payment details, and message
-    def success_result(allocation)
+    def success_result(allocation, loan_transaction)
       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)
@@ -358,6 +374,7 @@ module Dscf::Credit
       {
         success: true,
         loan: loan,
+        loan_transaction: loan_transaction,
         payment_details: {
           payment_amount: payment_amount,
           allocation: allocation,
@@ -366,7 +383,8 @@ module Dscf::Credit
           remaining_balance: pending_facilitation_fee +
                            pending_penalty +
                            pending_interest +
-                           (loan.remaining_amount || 0)
+                           (loan.remaining_amount || 0),
+          transaction_reference: loan_transaction.transaction_reference
         },
         message: loan.status == "paid" ? "Loan fully paid off" : "Payment processed successfully"
       }

data/config/locales/en.yml

@@ -61,6 +61,7 @@ en:
       show: "Scoring parameter details retrieved successfully"
       create: "Scoring parameter created successfully"
       update: "Scoring parameter updated successfully"
+      submit: "Scoring parameter submitted for review successfully"
       approve: "Scoring parameter approved successfully"
       reject: "Scoring parameter rejected successfully"
       request_modification: "Modification requested for scoring parameter successfully"
@@ -71,6 +72,7 @@ en:
       show: "Failed to retrieve scoring parameter details"
       create: "Failed to create scoring parameter"
       update: "Failed to update scoring parameter"
+      submit: "Failed to submit scoring parameter for review"
       approve: "Failed to approve scoring parameter"
       reject: "Failed to reject scoring parameter"
       request_modification: "Failed to request modification for scoring parameter"
@@ -83,6 +85,7 @@ en:
       show: "Loan profile details retrieved successfully"
       create: "Loan profile created successfully"
       update: "Loan profile updated successfully"
+      submit: "Loan profile submitted for review successfully"
       approve: "Loan profile approved successfully"
       reject: "Loan profile rejected successfully"
       request_modification: "Modification requested for loan profile successfully"
@@ -94,6 +97,7 @@ en:
       show: "Failed to retrieve loan profile details"
       create: "Failed to create loan profile"
       update: "Failed to update loan profile"
+      submit: "Failed to submit loan profile for review"
       approve: "Failed to approve loan profile"
       reject: "Failed to reject loan profile"
       request_modification: "Failed to request modification for loan profile"
@@ -124,6 +128,18 @@ en:
       generate: "Failed to generate loan accruals"
       statistics: "Failed to retrieve loan accrual statistics"
 
+  loan_transaction:
+    success:
+      index: "Loan transactions retrieved successfully"
+      show: "Loan transaction details retrieved successfully"
+      create: "Loan transaction created successfully"
+      update: "Loan transaction updated successfully"
+    errors:
+      index: "Failed to retrieve loan transactions"
+      show: "Failed to retrieve loan transaction details"
+      create: "Failed to create loan transaction"
+      update: "Failed to update loan transaction"
+
   loan:
     success:
       index: "Loans retrieved successfully"
@@ -156,6 +172,7 @@ en:
       show: "Facilitator details retrieved successfully"
       create: "Facilitator created successfully"
       update: "Facilitator updated successfully"
+      submit: "Facilitator submitted for review successfully"
       approve: "Facilitator approved successfully"
       reject: "Facilitator rejected successfully"
       request_modification: "Modification requested for facilitator successfully"
@@ -165,6 +182,7 @@ en:
       show: "Failed to retrieve facilitator details"
       create: "Failed to create facilitator"
       update: "Failed to update facilitator"
+      submit: "Failed to submit facilitator for review"
       approve: "Failed to approve facilitator"
       reject: "Failed to reject facilitator"
       request_modification: "Failed to request modification for facilitator"
@@ -191,6 +209,7 @@ en:
       show: "Credit line details retrieved successfully"
       create: "Credit line created successfully"
       update: "Credit line updated successfully"
+      submit: "Credit line submitted for review successfully"
       approve: "Credit line approved successfully"
       reject: "Credit line rejected successfully"
       destroy: "Credit line deleted successfully"
@@ -201,6 +220,7 @@ en:
       show: "Failed to retrieve credit line details"
       create: "Failed to create credit line"
       update: "Failed to update credit line"
+      submit: "Failed to submit credit line for review"
       approve: "Failed to approve credit line"
       reject: "Failed to reject credit line"
       destroy: "Failed to delete credit line"
@@ -242,6 +262,7 @@ en:
       show: "System config details retrieved successfully"
       create: "System config created successfully"
       update: "System config updated successfully"
+      submit: "System config submitted for review successfully"
       approve: "System config approved successfully"
       reject: "System config rejected successfully"
       request_modification: "Modification requested for system config successfully"
@@ -252,6 +273,7 @@ en:
       show: "Failed to retrieve system config details"
       create: "Failed to create system config"
       update: "Failed to update system config"
+      submit: "Failed to submit system config for review"
       approve: "Failed to approve system config"
       reject: "Failed to reject system config"
       request_modification: "Failed to request modification for system config"
@@ -299,6 +321,7 @@ en:
       update_bank_info: "Bank information updated successfully"
       update_facilitator_info: "Facilitator information updated successfully"
       update_field_assessment: "Field assessment updated successfully"
+      submit: "Loan application submitted for review successfully"
       calculate_credit_score: "Credit score calculated successfully"
       apply_risk_factor: "Risk factor applied successfully"
       approve: "Loan application approved successfully"
@@ -313,10 +336,10 @@ en:
       update_bank_info: "Failed to update bank information"
       update_facilitator_info: "Failed to update facilitator information"
       update_field_assessment: "Failed to update field assessment"
+      submit: "Failed to submit loan application for review"
       calculate_credit_score: "Failed to calculate credit score"
       apply_risk_factor: "Failed to apply risk factor"
       invalid_risk_percentage: "Invalid risk percentage provided"
-      no_loan_profile: "No loan profile found for this application"
       approve: "Failed to approve loan application"
       reject: "Failed to reject loan application"
       request_modification: "Failed to request modification for loan application"
@@ -329,6 +352,7 @@ en:
       show: "Facilitator application details retrieved successfully"
       create: "Facilitator application created successfully"
       update: "Facilitator application updated successfully"
+      submit: "Facilitator application submitted for review successfully"
       approve: "Facilitator application approved successfully"
       reject: "Facilitator application rejected successfully"
       request_modification: "Modification requested for facilitator application successfully"
@@ -339,6 +363,7 @@ en:
       show: "Failed to retrieve facilitator application details"
       create: "Failed to create facilitator application"
       update: "Failed to update facilitator application"
+      submit: "Failed to submit facilitator application for review"
       approve: "Failed to approve facilitator application"
       reject: "Failed to reject facilitator application"
       request_modification: "Failed to request modification for facilitator application"

data/config/routes.rb

@@ -13,6 +13,7 @@ Dscf::Credit::Engine.routes.draw do
 
   resources :facilitators do
     member do
+      patch "submit"
       patch "approve"
       patch "reject"
       patch "request_modification"
@@ -22,8 +23,11 @@ Dscf::Credit::Engine.routes.draw do
 
   resources :loan_profiles do
     member do
+      patch "submit"
       patch "approve"
       patch "reject"
+      patch "request_modification"
+      patch "resubmit"
       post "calculate_facility_limits"
     end
   end
@@ -35,6 +39,7 @@ Dscf::Credit::Engine.routes.draw do
   end
   resources :scoring_parameters do
     member do
+      patch "submit"
       patch "approve"
       patch "reject"
       patch "request_modification"
@@ -44,6 +49,7 @@ Dscf::Credit::Engine.routes.draw do
   resources :parameter_normalizers
   resources :system_configs do
     member do
+      patch "submit"
       patch "approve"
       patch "reject"
       patch "request_modification"
@@ -53,6 +59,7 @@ Dscf::Credit::Engine.routes.draw do
   resources :system_config_definitions
   resources :credit_lines do
     member do
+      patch "submit"
       patch "approve"
       patch "reject"
       patch "request_modification"
@@ -73,8 +80,10 @@ Dscf::Credit::Engine.routes.draw do
   resources :credit_limit_calculations, only: [ :create ]
   resources :disbursements, only: [ :create ]
   resources :repayments, only: [ :create ]
+  resources :loan_transactions
   resources :loan_applications do
     member do
+      patch "submit"
       patch "approve"
       patch "reject"
       patch "request_modification"
@@ -92,6 +101,7 @@ Dscf::Credit::Engine.routes.draw do
     end
 
     member do
+      patch "submit"
       patch "approve"
       patch "reject"
       patch "request_modification"

data/db/migrate/20250822091527_create_dscf_credit_credit_line_specs.rb

@@ -8,7 +8,9 @@ class CreateDscfCreditCreditLineSpecs < ActiveRecord::Migration[8.0]
       t.decimal :penalty_rate, precision: 5, scale: 4, null: false
       t.decimal :facilitation_fee_rate, precision: 5, scale: 4, null: false
       t.decimal :tax_rate, precision: 5, scale: 4, null: false
-      t.decimal :credit_line_multiplier, precision: 5, scale: 2, null: false, default: 30.0
+      t.decimal :credit_line_multiplier, precision: 5, scale: 2, null: false
+      t.references :base_scoring_parameter, foreign_key: { to_table: :dscf_credit_scoring_parameters }
+      t.integer :credit_line_divider
       t.integer :max_penalty_days, null: false
       t.integer :loan_duration, null: false
       t.string :interest_frequency, null: false

data/lib/dscf/credit/version.rb

@@ -1,5 +1,5 @@
 module Dscf
   module Credit
-    VERSION = "0.3.7"
+    VERSION = "0.3.9"
   end
 end

metadata

@@ -1,13 +1,13 @@
 --- !ruby/object:Gem::Specification
 name: dscf-credit
 version: !ruby/object:Gem::Version
-  version: 0.3.7
+  version: 0.3.9
 platform: ruby
 authors:
 - Adoniyas
 bindir: bin
 cert_chain: []
-date: 2025-10-16 00:00:00.000000000 Z
+date: 2025-11-06 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: dscf-core
@@ -15,14 +15,14 @@ dependencies:
     requirements:
     - - "~>"
       - !ruby/object:Gem::Version
-        version: 0.2.0
+        version: 0.2.6
   type: :runtime
   prerelease: false
   version_requirements: !ruby/object:Gem::Requirement
     requirements:
     - - "~>"
       - !ruby/object:Gem::Version
-        version: 0.2.0
+        version: 0.2.6
 - !ruby/object:Gem::Dependency
   name: active_model_serializers
   requirement: !ruby/object:Gem::Requirement
@@ -328,6 +328,7 @@ files:
 - 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/loan_transactions_controller.rb
 - app/controllers/dscf/credit/loans_controller.rb
 - app/controllers/dscf/credit/parameter_normalizers_controller.rb
 - app/controllers/dscf/credit/repayments_controller.rb
@@ -398,6 +399,7 @@ files:
 - 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/loan_transaction_creator_service.rb
 - app/services/dscf/credit/repayment_service.rb
 - app/services/dscf/credit/risk_application_service.rb
 - app/services/dscf/credit/scoring_service.rb
@@ -419,11 +421,11 @@ files:
 - db/migrate/20250822091015_create_dscf_credit_banks.rb
 - db/migrate/20250822091055_create_dscf_credit_bank_branches.rb
 - db/migrate/20250822091131_create_dscf_credit_credit_lines.rb
+- db/migrate/20250822091525_create_dscf_credit_scoring_param_types.rb
+- db/migrate/20250822091526_create_dscf_credit_scoring_parameters.rb
 - db/migrate/20250822091527_create_dscf_credit_credit_line_specs.rb
 - db/migrate/20250822091744_create_dscf_credit_system_config_definitions.rb
 - db/migrate/20250822091820_create_dscf_credit_system_configs.rb
-- db/migrate/20250822092040_create_dscf_credit_scoring_param_types.rb
-- db/migrate/20250822092050_create_dscf_credit_scoring_parameters.rb
 - db/migrate/20250822092225_create_dscf_credit_parameter_normalizers.rb
 - db/migrate/20250822092236_create_dscf_credit_loan_applications.rb
 - db/migrate/20250822092246_create_dscf_credit_loan_profiles.rb
@@ -440,9 +442,6 @@ files:
 - 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/migrate/20251011202425_add_base_scoring_parameter_to_dscf_credit_credit_line_specs.rb
-- db/migrate/20251012100039_add_credit_line_divider_to_dscf_credit_credit_line_specs.rb
-- db/migrate/20251012115159_remove_default_from_credit_line_multiplier_in_credit_line_specs.rb
 - db/seeds.rb
 - lib/dscf/credit.rb
 - lib/dscf/credit/engine.rb

data/db/migrate/20251011202425_add_base_scoring_parameter_to_dscf_credit_credit_line_specs.rb

@@ -1,5 +0,0 @@
-class AddBaseScoringParameterToDscfCreditCreditLineSpecs < ActiveRecord::Migration[8.0]
-  def change
-    add_reference :dscf_credit_credit_line_specs, :base_scoring_parameter, null: true, foreign_key: { to_table: :dscf_credit_scoring_parameters }, index: true
-  end
-end

data/db/migrate/20251012100039_add_credit_line_divider_to_dscf_credit_credit_line_specs.rb

@@ -1,5 +0,0 @@
-class AddCreditLineDividerToDscfCreditCreditLineSpecs < ActiveRecord::Migration[8.0]
-  def change
-    add_column :dscf_credit_credit_line_specs, :credit_line_divider, :integer, null: true
-  end
-end

data/db/migrate/20251012115159_remove_default_from_credit_line_multiplier_in_credit_line_specs.rb

@@ -1,5 +0,0 @@
-class RemoveDefaultFromCreditLineMultiplierInCreditLineSpecs < ActiveRecord::Migration[8.0]
-  def change
-    change_column_default :dscf_credit_credit_line_specs, :credit_line_multiplier, from: 30.0, to: nil
-  end
-end