dscf-credit 0.3.7 → 0.3.8

checksums.yaml

@@ -1,7 +1,7 @@
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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/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/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

@@ -124,6 +124,18 @@ 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"

data/config/routes.rb

@@ -73,6 +73,7 @@ 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 "approve"

data/lib/dscf/credit/version.rb

@@ -1,5 +1,5 @@
 module Dscf
   module Credit
-    VERSION = "0.3.7"
+    VERSION = "0.3.8"
   end
 end

metadata

@@ -1,13 +1,13 @@
 --- !ruby/object:Gem::Specification
 name: dscf-credit
 version: !ruby/object:Gem::Version
-  version: 0.3.7
+  version: 0.3.8
 platform: ruby
 authors:
 - Adoniyas
 bindir: bin
 cert_chain: []
-date: 2025-10-16 00:00:00.000000000 Z
+date: 2025-10-30 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: dscf-core
@@ -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