feat(ai): loan eligibility demo screen

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

src/app/loan-eligibility/loan-eligibility.service.ts

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+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Injectable } from '@angular/core';
+import { Observable, delay, of, throwError } from 'rxjs';
+import { demoBorrower, demoBorrowers, demoSummary } from './loan-eligibility.mock';
+
+export type BorrowerCategory = 'GOOD' | 'WATCH' | 'BAD';
+
+export interface LoanStageRow {
+  stage: string;
+  label: string;
+  dpdRange: string;
+  group: 'PERFORMING' | 'NPA' | 'CLOSED';
+  loans: number;
+  outstanding: number;
+  overdue: number;
+}
+
+export interface LoanProductRow {
+  productId: number;
+  productName: string;
+  activeLoans: number;
+  performingLoans: number;
+  npaLoans: number;
+  outstanding: number;
+  npaOutstanding: number;
+}
+
+/** Loan book health as on the business date (RBI asset classes, products, borrowers). */
+export interface LoanEligibilitySummary {
+  asOnDate: string;
+  activeLoans: number;
+  activeOutstanding: number;
+  performingLoans: number;
+  performingOutstanding: number;
+  npaLoans: number;
+  npaOutstanding: number;
+  grossNpaPct: number;
+  closedLoans: number;
+  writtenOffLoans: number;
+  writtenOffAmount: number;
+  /** Share linking to borrowing across members with running loans. */
+  shareRequired: number;
+  shareHeld: number;
+  shareShortMembers: number;
+  shareShortfall: number;
+  goodBorrowers: number;
+  watchBorrowers: number;
+  badBorrowers: number;
+  stages: LoanStageRow[];
+  products: LoanProductRow[];
+  notes: string[];
+}
+
+export interface BorrowerLoan {
+  loanId: number;
+  accountNo: string;
+  productName: string;
+  status: string;
+  stage: string;
+  dpd: number;
+  emisPaid: number;
+  emisLate: number;
+  disbursed: number;
+  outstanding: number;
+  overdue: number;
+  sharePct: number;
+  shareRequired: number;
+}
+
+export interface AccountMonth {
+  month: string;
+  credits: number;
+  debits: number;
+  avgBalance: number;
+  returns: number;
+}
+
+/** Savings / current account statement, month by month. */
+export interface BorrowerAccount {
+  type: 'Savings' | 'Current';
+  accountNo: string;
+  months: AccountMonth[];
+}
+
+export interface ProductEligibility {
+  productId: number;
+  productName: string;
+  eligible: boolean;
+  eligibleAmount?: number;
+  sharePct: number;
+  /** Shares to be taken with this loan (incl. any existing shortfall). */
+  shareToBuy?: number;
+  netInHand?: number;
+  minAmount?: number;
+  maxAmount?: number;
+  passed: string[];
+  failed: string[];
+  notes: string[];
+}
+
+export interface Borrower {
+  clientId: number;
+  clientName: string;
+  clientAccountNo: string;
+  category: BorrowerCategory;
+  activeLoans: number;
+  closedLoans: number;
+  writtenOffLoans: number;
+  outstanding: number;
+  maxDpd: number;
+  worstStage?: string;
+  monthlyIncome?: number;
+  age?: number;
+  depositBalance: number;
+  currentEmi: number;
+  eligibleProducts: number;
+  /** Repayment record over all loans: EMIs fallen due and how many were paid late. */
+  emisPaid: number;
+  emisLate: number;
+  shareHeld: number;
+  shareRequired: number;
+  /** Six-month averages of the operative account. */
+  accountType: 'Savings' | 'Current';
+  avgCredits: number;
+  avgDebits: number;
+  returns: number;
+  accounts?: BorrowerAccount[];
+  loans?: BorrowerLoan[];
+  eligibility?: ProductEligibility[];
+}
+
+/** Loan Eligibility (AI / Intelligence – Lending & Risk): demo data, worked out on the eligibility rules. */
+@Injectable({ providedIn: 'root' })
+export class LoanEligibilityService {
+  getSummary(): Observable<LoanEligibilitySummary> {
+    return of(demoSummary()).pipe(delay(2800));
+  }
+
+  getBorrowers(category: BorrowerCategory | '', search: string): Observable<Borrower[]> {
+    return of(demoBorrowers(category, search)).pipe(delay(700));
+  }
+
+  getBorrower(clientId: number): Observable<Borrower> {
+    const b = demoBorrower(clientId);
+    return b ? of(b).pipe(delay(900)) : throwError(() => new Error('Borrower not found'));
+  }
+}