dscf-credit 0.4.0 → 0.4.1

checksums.yaml

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

@@ -4,9 +4,11 @@ module Dscf::Credit
     include Dscf::Core::ReviewableController
     include Dscf::Core::AuditableController
 
-    auditable associated: :reviews,
-              only: [ :status ],
-              on: %i[approve reject request_modification resubmit]
+    auditable associated: [ :reviews ],
+              on: %i[approve submit reject request_modification resubmit]
+
+    auditable on: %i[create],
+              associated: { reviews: { only: [ :status ] } }
 
     def create
       super do

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

@@ -7,13 +7,14 @@ module Dscf::Credit
     before_action :set_object, only: %i[ show update activate deactivate]
 
     auditable associated: [ :reviews ],
-              on: %i[approve reject request_modification resubmit]
+              on: %i[approve submit reject request_modification resubmit]
 
     auditable only: [ :active ],
               on: %i[activate deactivate]
 
     auditable on: %i[create],
               associated: { reviews: { only: [ :status ] } }
+
     def create
       super do
         scoring_parameter = @clazz.new(model_params)

data/lib/dscf/credit/version.rb

@@ -1,5 +1,5 @@
 module Dscf
   module Credit
-    VERSION = "0.4.0"
+    VERSION = "0.4.1"
   end
 end

metadata

@@ -1,13 +1,13 @@
 --- !ruby/object:Gem::Specification
 name: dscf-credit
 version: !ruby/object:Gem::Version
-  version: 0.4.0
+  version: 0.4.1
 platform: ruby
 authors:
 - Adoniyas
 bindir: bin
 cert_chain: []
-date: 2025-11-17 00:00:00.000000000 Z
+date: 2025-12-24 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: dscf-core
@@ -393,8 +393,6 @@ files:
 - app/services/dscf/credit/credit_limit_calculation_service.rb
 - app/services/dscf/credit/credit_scoring_engine.rb
 - app/services/dscf/credit/disbursement_service.rb
-- app/services/dscf/credit/facilitator_additional_info_service.rb
-- 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
@@ -402,7 +400,6 @@ files:
 - 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
 - app/views/dscf/credit/bank_staff_welcome_mailer/welcome_email.html.erb
 - app/views/dscf/credit/bank_staff_welcome_mailer/welcome_email.text.erb
 - app/views/dscf/credit/facilitator_mailer/additional_info_received.html.erb

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

@@ -1,50 +0,0 @@
-module Dscf::Credit
-  class FacilitatorAdditionalInfoService
-    def submit_info(facilitator_id, additional_info)
-      facilitator = Dscf::Credit::Facilitator.find(facilitator_id)
-
-      performance = facilitator.facilitator_performances.current.first
-
-      if performance&.input_data&.present? && performance.input_data["additional_info_submitted"]
-        raise StandardError, "Additional information has already been submitted for this facilitator"
-      end
-
-      if performance
-        updated_data = performance.input_data || {}
-        updated_data.merge!(additional_info)
-        updated_data["additional_info_submitted"] = true
-        updated_data["submission_date"] = Time.current.iso8601
-
-        performance.update!(
-          input_data: updated_data,
-          updated_at: Time.current
-        )
-      else
-        input_data = additional_info.dup
-        input_data["additional_info_submitted"] = true
-        input_data["submission_date"] = Time.current.iso8601
-
-        performance = facilitator.facilitator_performances.create!(
-          total_outstanding_loans: 0,
-          total_outstanding_amount: 0.0,
-          approval_required: false,
-          input_data: input_data,
-          created_by_type: "System",
-          created_by_id: nil
-        )
-      end
-
-      begin
-        FacilitatorMailer.additional_info_received(facilitator).deliver_now
-      rescue => e
-        Rails.logger.error "Failed to send additional info confirmation email: #{e.message}"
-      end
-
-      {
-        facilitator: facilitator,
-        performance: performance,
-        message: "Additional information submitted successfully"
-      }
-    end
-  end
-end

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

@@ -1,88 +0,0 @@
-module Dscf::Credit
-  class FacilitatorApprovalService
-    attr_reader :facilitator, :approver
-
-    def initialize(facilitator, approver)
-      @facilitator = facilitator
-      @approver = approver
-    end
-
-    def approve
-      ActiveRecord::Base.transaction do
-        facilitator.update!(
-          kyc_status: "approved",
-          kyc_reviewed_by: approver
-        )
-
-        token = generate_additional_info_token
-
-        begin
-          FacilitatorMailer.approval_notification(facilitator, token).deliver_now
-        rescue => e
-          Rails.logger.error "Failed to send approval email: #{e.message}"
-        end
-
-        update_facilitator_performance
-
-        facilitator
-      end
-    end
-
-    def reject(review_feedback = nil)
-      ActiveRecord::Base.transaction do
-        facilitator.update!(
-          kyc_status: "rejected",
-          kyc_reviewed_by: approver,
-          review_feedback: review_feedback
-        )
-
-        begin
-          FacilitatorMailer.rejection_notification(facilitator, review_feedback).deliver_now
-        rescue => e
-          Rails.logger.error "Failed to send rejection email: #{e.message}"
-        end
-
-        facilitator
-      end
-    end
-
-    def set_limit(total_limit)
-      facilitator.update!(total_limit: total_limit)
-
-      begin
-        FacilitatorMailer.limit_update_notification(facilitator).deliver_now
-      rescue => e
-        Rails.logger.error "Failed to send limit update email: #{e.message}"
-      end
-
-      facilitator
-    end
-
-    private
-
-    def generate_additional_info_token
-      payload = {
-        facilitator_id: facilitator.id,
-        purpose: "additional_info",
-        exp: 30.days.from_now.to_i
-      }
-
-      Rails.application.message_verifier("additional_info").generate(payload)
-    end
-
-    def update_facilitator_performance
-      performance = facilitator.facilitator_performances.current.first
-
-      if performance
-        performance.update!(approval_required: false)
-      else
-        facilitator.facilitator_performances.create!(
-          total_outstanding_loans: 0,
-          total_outstanding_amount: 0.0,
-          approval_required: false,
-          created_by: approver
-        )
-      end
-    end
-  end
-end

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

@@ -1,297 +0,0 @@
-module Dscf::Credit
-  class ScoringService
-    attr_reader :loan_profile
-
-    def initialize(loan_profile)
-      @loan_profile = loan_profile
-    end
-
-    # Calculate credit score for a loan profile using the eligibility category scoring table
-    # @param external_scoring_data [Hash] Optional external scoring input data
-    # @return [Hash] Result containing score, total_limit, and success status
-    def calculate_credit_score(external_scoring_data = nil)
-      eligibility_category = find_eligibility_category
-      return error_result("Eligibility category not found") unless eligibility_category
-
-      scoring_tables = eligibility_category.scoring_tables.active.includes(:scoring_parameter)
-      return error_result("No active scoring parameters found for eligibility category") if scoring_tables.empty?
-
-      scoring_data = get_scoring_data(external_scoring_data)
-      score = calculate_weighted_score(scoring_tables, scoring_data)
-      facility_limit = calculate_facility_limit(score, scoring_data)
-
-      success_result(score, facility_limit)
-    rescue StandardError => e
-      error_result("Score calculation failed: #{e.message}")
-    end
-
-    private
-
-    def get_scoring_data(external_scoring_data)
-      if external_scoring_data.present?
-        external_scoring_data
-      else
-        extract_scoring_data_from_profile
-      end
-    end
-
-    def extract_scoring_data_from_profile
-      latest_spec = loan_profile.loan_profile_scoring_specs.order(created_at: :desc).first
-
-      if latest_spec&.scoring_input_data.present? && !latest_spec.scoring_input_data.empty?
-        default_data = prepare_scoring_data
-        default_data.merge(latest_spec.scoring_input_data.symbolize_keys)
-      else
-        prepare_scoring_data
-      end
-    end
-
-    def find_eligibility_category
-      Dscf::Credit::Category.find_by(type: "eligibility", name: "default") ||
-        Dscf::Credit::Category.find_by(type: "eligibility")
-    end
-
-    def prepare_scoring_data
-      {
-        average_daily_purchase: extract_average_daily_purchase,
-        years_at_location: extract_years_at_location,
-        marital_status: extract_marital_status,
-        dependents_count: extract_dependents_count,
-        education_level: extract_education_level,
-        bill_payment_timing: extract_bill_payment_timing,
-        other_accounts: extract_other_accounts,
-        money_preference: extract_money_preference,
-        business_license: extract_business_license,
-        bank_statements: extract_bank_statements,
-        transaction_frequency: extract_transaction_frequency,
-        purchase_volume: extract_purchase_volume,
-        cancellation_rate: extract_cancellation_rate,
-        reliability_score: extract_reliability_score
-      }
-    end
-
-    # Calculate weighted score based on scoring parameters
-    def calculate_weighted_score(scoring_tables, scoring_data)
-      total_score = 0.0
-      total_weight = 0.0
-
-      scoring_tables.each do |table|
-        parameter = table.scoring_parameter
-        raw_value = find_parameter_value(parameter, scoring_data)
-
-        next if raw_value.nil?
-
-        normalized_score = normalize_parameter_value(parameter, raw_value)
-        weighted_score = normalized_score * table.weight
-
-        total_score += weighted_score
-        total_weight += table.weight
-      end
-
-      return 0.0 if total_weight.zero?
-
-      (total_score / total_weight) * 100
-    end
-
-    # Find parameter value from scoring data using flexible key matching
-    def find_parameter_value(parameter, scoring_data)
-      param_name = parameter.name
-
-      # Try exact match first
-      if scoring_data.key?(param_name.to_sym)
-        return scoring_data[param_name.to_sym]
-      end
-
-      if scoring_data.key?(param_name)
-        return scoring_data[param_name]
-      end
-
-      # Try snake_case version
-      snake_case_name = param_name.downcase.gsub(/\s+/, "_")
-      if scoring_data.key?(snake_case_name.to_sym)
-        return scoring_data[snake_case_name.to_sym]
-      end
-
-      if scoring_data.key?(snake_case_name)
-        return scoring_data[snake_case_name]
-      end
-
-      # Try common mappings
-      case param_name.downcase
-      when "monthly income"
-        scoring_data[:monthly_income] || scoring_data["monthly_income"]
-      when "credit history score"
-        scoring_data[:credit_history_score] || scoring_data["credit_history_score"]
-      when "employment type"
-        scoring_data[:employment_type] || scoring_data["employment_type"]
-      else
-        nil
-      end
-    end
-
-    # Calculate facility limit based on score and business metrics
-    def calculate_facility_limit(score, scoring_data)
-      return 0 if score < 50 # Below 50% score = no facility
-
-      average_daily_purchase = scoring_data[:average_daily_purchase] || 0
-
-      credit_line_multiplier = get_default_credit_line_multiplier
-
-      base_limit = average_daily_purchase * credit_line_multiplier * (score / 100.0)
-
-      apply_limit_constraints(base_limit)
-    end
-
-    # Get default credit line multiplier from the bank's approved credit line specs
-    def get_default_credit_line_multiplier
-      return 30.0 unless loan_profile.bank
-
-      credit_line_spec = loan_profile.bank.credit_lines.approved
-                                     .joins(:credit_line_specs)
-                                     .merge(Dscf::Credit::CreditLineSpec.active)
-                                     .select("dscf_credit_credit_line_specs.credit_line_multiplier")
-                                     .first&.credit_line_specs&.active&.first
-
-      credit_line_spec&.credit_line_multiplier || 30.0
-    end
-
-    def apply_limit_constraints(base_limit)
-      min_limit = get_bank_config("min_credit_limit", 0)
-      max_limit = get_bank_config("max_credit_limit", 1000000)
-
-      return 0 if base_limit < min_limit
-      return max_limit if base_limit > max_limit
-
-      base_limit
-    end
-
-    # Get bank configuration value from system configs
-    def get_bank_config(config_key, default_value)
-      return default_value unless loan_profile.bank
-
-      config_definition = loan_profile.bank.system_config_definitions
-                                          .find_by(config_key: config_key)
-      return default_value unless config_definition
-
-      system_config = Dscf::Credit::SystemConfig.approved
-                                                .find_by(config_definition: config_definition)
-
-      if system_config&.config_value
-        numeric_value = system_config.config_value.to_f
-        numeric_value > 0 ? numeric_value : default_value
-      else
-        default_value
-      end
-    end
-
-    # Normalize parameter value to 0-1 scale
-    def normalize_parameter_value(parameter, raw_value)
-      case parameter.data_type
-      when "boolean"
-        raw_value ? 1.0 : 0.0
-      when "integer", "decimal"
-        normalize_numeric_value(parameter, raw_value.to_f)
-      when "string"
-        normalize_string_value(parameter, raw_value)
-      else
-        0.5 # Default neutral score
-      end
-    end
-
-    def normalize_numeric_value(parameter, value)
-      min_val = parameter.min_value || 0
-      max_val = parameter.max_value || 100
-
-      return 0.0 if value < min_val
-      return 1.0 if value > max_val
-
-      (value - min_val) / (max_val - min_val)
-    end
-
-    def normalize_string_value(parameter, value)
-      normalizer = parameter.parameter_normalizers.find { |n| n.raw_value == value }
-      return normalizer.normalized_value if normalizer
-
-      case value.downcase
-      when "excellent", "high", "good" then 1.0
-      when "fair", "medium", "average" then 0.7
-      when "poor", "low", "bad" then 0.3
-      else 0.5
-      end
-    end
-
-    def extract_average_daily_purchase
-      5000.0 # Default average daily purchase
-    end
-
-    def extract_years_at_location
-      2 # Default years at current location
-    end
-
-    def extract_marital_status
-      "single" # Default marital status
-    end
-
-    def extract_dependents_count
-      0 # Default number of dependents
-    end
-
-    def extract_education_level
-      "bachelor" # Default education level
-    end
-
-    def extract_bill_payment_timing
-      "on_time" # Default payment timing
-    end
-
-    def extract_other_accounts
-      false # Default: no other active accounts
-    end
-
-    def extract_money_preference
-      "save" # Default money preference
-    end
-
-    def extract_business_license
-      false # Default: no business license
-    end
-
-    def extract_bank_statements
-      true # Default: bank statements available
-    end
-
-    def extract_transaction_frequency
-      15 # Default monthly transaction frequency
-    end
-
-    def extract_purchase_volume
-      50000.0 # Default monthly purchase volume
-    end
-
-    def extract_cancellation_rate
-      0.05 # Default 5% cancellation rate
-    end
-
-    def extract_reliability_score
-      75.0 # Default reliability score (0-100)
-    end
-
-    def success_result(score, facility_limit)
-      {
-        success: true,
-        score: score.round(2),
-        facility_limit: facility_limit.round(2),
-        message: "Credit score calculated successfully"
-      }
-    end
-
-    def error_result(message)
-      {
-        success: false,
-        score: 0,
-        facility_limit: 0,
-        error: message
-      }
-    end
-  end
-end