Replaces the in-memory mock (LOAN_APPLICATIONS array + seeded RNG, reset on
every refresh) with real Fineract-backed persistence: a new
LoanOriginationService for CRUD plus one API call per stage transition, a
loan-fineract-bridge that creates a real loan account (create + approve +
disburse) at disbursement for Existing Customers, and file uploads through
Fineract's generic document store keyed by a stable checklist slot so
"On file"/View controls survive a reload.
Also fixes several gaps found while verifying full-cycle persistence:
- CIC charge-account selection never saved (missing persist() call)
- Co-borrower relationship/monthly income lived in local-only component state
instead of on the application, so they reset on refresh
- Field Investigation "View Full Details" showed local-session photos only;
stored photos are now downloaded and shown as real thumbnails
- "Assign Field Officer" was free text; now a dropdown of real CBS loan
officers pulled from /staff
- site photos and cheque/signature images now open in the same zoomable,
pannable lightgallery viewer used elsewhere in the app
Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
- New Application: add Product Type (Term Loan/Overdraft) driven by product eligibility.
- KYC: 3-year ITR capture with exceptions, product-specific document checklists with officer-added
custom docs, Housing Loan co-owner Aadhaar/PAN capture+verify in a popup dialog.
- Income & Affordability: editable income/amount/tenure with product bounds validation, 40% EMI
rule, and a full co-borrower flow (relationship, salary slips, combined-income eligibility).
- Bank Statement upload auto-opens a full CSV-driven cash-flow/FOIR/risk analysis dialog.
- CIC report upload auto-opens a bureau-style credit report analysis (score gauge, accounts,
DPD history, enquiries) generated from the application's own credit score.
- Field Investigation reworked into per-address cards (Home/Office/Property/Shop) with officer
assignment, 48-hour SLA tracking, GPS + multi-photo capture, verify/reject with remarks, a
full-detail popup, real Fineract addresses for existing clients, and a calculated property
valuation (market/guideline/realizable value, LTV).
- Personal Discussion: meeting scheduler (date/time/mode/officer) gating the discussion report,
plus a full Application Summary Report PDF (KYC, CIC, FI, valuation, stage history) for the
meeting.
Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
niteshandClaude Sonnet 5