cbsnexora/src/app/loan-origination/application-detail/application-detail.component.ts

/**
 * 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 { Component, OnDestroy, OnInit, inject } from '@angular/core';
import { CommonModule } from '@angular/common';
import { FormsModule } from '@angular/forms';
import { ActivatedRoute, Router, RouterModule } from '@angular/router';
import { Subscription } from 'rxjs';
import { AuthenticationService } from '../../core/authentication/authentication.service';
import {
  ApprovalField,
  BRANCHES,
  BranchMaster,
  DiscrepancyType,
  DISCREPANCY_LABELS,
  EmiScheduleRow,
  LoanApplication,
  LOAN_APPLICATIONS,
  OriginationStage,
  STAGE_LABELS,
  STAGE_ORDER,
  STATUS_LABELS,
  allotShareMembership,
  buildEmiSchedule,
  calcEligibleAmount,
  calculateEmi,
  checkCreditScore,
  cibilBand,
  CIC_BUREAUS,
  clearPersonalDiscussionAndProceed,
  confirmChequeAch,
  decideApproval,
  disburseApplication,
  flagDiscrepancy,
  isRevolvingProduct,
  markCustomerSigned,
  progressPct,
  pushFieldInquiry,
  resolveDiscrepancyAndProceed,
  sanctioningAuthority,
  setMonthlyIncome,
  stageBadgeClass,
  stageIndex,
  proceedToNextStage,
  recordVerification,
  todayDDMMYYYY,
  uploadAgentReport,
  uploadCicReport
} from '../loan-origination-data';

/**
 * A single application's full sanctioning journey — the stage stepper, the current stage's
 * action card (checklist / CIC upload / Field Investigation / Committee-Risk-Legal approval /
 * signing / disbursement), and the complete date-wise audit trail. Every action here mutates the
 * SAME LoanApplication object the Pipeline list reads, so the two screens can never disagree.
 */
@Component({
  selector: 'mifosx-application-detail',
  templateUrl: './application-detail.component.html',
  styleUrls: [
    '../../cashier/cashier-shared.scss',
    '../../investment/investment-shared.scss',
    '../../npa/npa-shared.scss',
    '../loan-origination-shared.scss'
  ],
  standalone: true,
  imports: [
    CommonModule,
    FormsModule,
    RouterModule
  ]
})
export class ApplicationDetailComponent implements OnInit, OnDestroy {
  readonly stageOrder = STAGE_ORDER;
  readonly stageLabels = STAGE_LABELS;
  readonly statusLabels = STATUS_LABELS;
  readonly discrepancyLabels = DISCREPANCY_LABELS;
  asOnDate = todayDDMMYYYY();

  application: LoanApplication | undefined;

  /** Shared remarks box for whichever action card is currently on screen. */
  actionRemarks = '';
  discrepancySelection: DiscrepancyType = 'NONE';
  disbursementMode = 'Account Credit';
  /** KYC stage's Monthly Income entry field — blank until the officer keys it in. */
  monthlyIncomeInput: number | null = null;

  currentUserName = 'Branch User';

  /** True for a Head Office login, which can open any branch's application — a branch-level
   *  login is locked to its own branch, the same split every other report in the app uses. */
  isHeadOffice = false;
  private ownBranchCode: string | null = null;

  private readonly route = inject(ActivatedRoute);
  private readonly router = inject(Router);
  private readonly auth = inject(AuthenticationService);
  private sub?: Subscription;

  ngOnInit(): void {
    const creds = this.auth.getCredentials();
    this.currentUserName = creds?.username || 'Branch User';
    this.isHeadOffice = this.auth.isHeadOfficeUser();
    if (!this.isHeadOffice) {
      const officeName = creds?.officeName || '';
      this.ownBranchCode =
        BRANCHES.find((b: BranchMaster) => officeName.toLowerCase().includes(b.name.toLowerCase()))?.code || null;
    }
    this.sub = this.route.paramMap.subscribe((params) => {
      const applicationNo = params.get('applicationNo');
      const found = LOAN_APPLICATIONS.find((a) => a.applicationNo === applicationNo);
      // A branch-level login can only open applications belonging to its own branch — treated
      // exactly like "not found" rather than a distinct "access denied", so it doesn't reveal
      // that a differently-branched application exists at all.
      this.application = found && !this.isHeadOffice && found.branchCode !== this.ownBranchCode ? undefined : found;
      this.actionRemarks = '';
      this.discrepancySelection = 'NONE';
      this.monthlyIncomeInput = this.application?.monthlyIncome || null;
    });
  }

  ngOnDestroy(): void {
    this.sub?.unsubscribe();
  }

  goBack(): void {
    this.router.navigate(['/loan-origination/pipeline']);
  }

  // -------------------- Stepper --------------------
  stepStatusClass(a: LoanApplication, stage: OriginationStage): string {
    const idx = stageIndex(stage);
    const curIdx = stageIndex(a.currentStage);
    if (stage === a.currentStage && a.overallStatus === 'REJECTED') {
      return 'loan-step loan-step--rejected';
    }
    if (stage === a.currentStage && a.overallStatus === 'ON_HOLD') {
      return 'loan-step loan-step--hold';
    }
    if (idx < curIdx || (idx === curIdx && a.overallStatus === 'DISBURSED')) {
      return 'loan-step loan-step--done';
    }
    if (idx === curIdx) {
      return 'loan-step loan-step--current';
    }
    return 'loan-step';
  }

  stepMarker(a: LoanApplication, stage: OriginationStage): string {
    const idx = stageIndex(stage);
    const curIdx = stageIndex(a.currentStage);
    if (idx < curIdx || (idx === curIdx && a.overallStatus === 'DISBURSED')) {
      return '✓';
    }
    return String(idx + 1);
  }

  progress(a: LoanApplication): number {
    return progressPct(a);
  }

  /** Colours an audit-trail entry's icon badge by what actually happened — a rejection/hold
   *  reads as an alert, everything else (approvals, verifications, uploads, signings) reads
   *  as positive progress. */
  historyToneClass(outcome: string): string {
    if (/reject|hold/i.test(outcome)) {
      return 'npa-timeline-item npa-timeline-item--alert';
    }
    return 'npa-timeline-item npa-timeline-item--positive';
  }

  badgeClass(a: LoanApplication): string {
    return stageBadgeClass(a);
  }

  cibilBandOf(score: number): string {
    return cibilBand(score);
  }

  readonly cicBureaus = CIC_BUREAUS;

  checkCreditScoreNow(a: LoanApplication): void {
    checkCreditScore(a, this.currentUserName);
  }

  sanctioningAuthorityOf(a: LoanApplication): string {
    return sanctioningAuthority(a.requestedAmount);
  }

  // -------------------- Generic stage-advance actions --------------------
  proceed(a: LoanApplication, remarks: string): void {
    proceedToNextStage(a, this.currentUserName, remarks);
  }

  // -------------------- KYC & Documents --------------------
  /** Live preview of what Eligible Loan Amount would be for whatever's currently typed into the
   *  Monthly Income box — before the officer actually commits it via "Assess Income". */
  eligiblePreview(a: LoanApplication): number {
    return calcEligibleAmount(this.monthlyIncomeInput || 0, a.productCode);
  }

  setIncomeNow(a: LoanApplication): void {
    if (!this.monthlyIncomeInput || this.monthlyIncomeInput <= 0) {
      return;
    }
    setMonthlyIncome(a, this.monthlyIncomeInput, this.currentUserName);
  }

  allKycDone(a: LoanApplication): boolean {
    const base =
      a.aadhaarVerified &&
      a.panVerified &&
      a.aadhaarFingerprintCaptured &&
      a.incomeProofSubmitted &&
      a.bankStatementSubmitted &&
      a.electricityBillSubmitted &&
      a.monthlyIncome > 0;
    return a.secured ? base && a.propertyDetailsSubmitted && a.taxReceiptSubmitted : base;
  }

  // -------------------- Field Investigation --------------------
  fiComplete(a: LoanApplication): boolean {
    const addressOk = a.addressVerification.status === 'VERIFIED';
    const officeOk = a.officeVerification.status === 'VERIFIED';
    const propertyOk = !a.secured || a.propertyVerification.status === 'VERIFIED';
    return addressOk && officeOk && propertyOk;
  }

  completeFi(a: LoanApplication): void {
    const agent = 'Field Verification Team';
    const keys: Array<'addressVerification' | 'officeVerification' | 'propertyVerification'> = [
      'addressVerification',
      'officeVerification',
      'propertyVerification'
    ];
    for (const key of keys) {
      if (a[key].status !== 'PENDING') {
        recordVerification(
          a,
          key,
          a[key].status,
          agent,
          a[key].remarks === '—' ? `${key} recorded on FI visit.` : a[key].remarks
        );
      }
    }
    this.proceed(a, 'Field Investigation completed — Agent Report filed.');
  }

  // -------------------- Personal Discussion --------------------
  clearPersonalDiscussion(a: LoanApplication): void {
    clearPersonalDiscussionAndProceed(
      a,
      this.currentUserName,
      this.actionRemarks.trim() || 'No discrepancy found — cleared to proceed to Loan Committee.'
    );
    this.actionRemarks = '';
  }

  flagPersonalDiscussion(a: LoanApplication): void {
    const notes =
      this.actionRemarks.trim() ||
      `${this.discrepancyLabels[this.discrepancySelection]} flagged during personal discussion — held pending resolution.`;
    flagDiscrepancy(a, this.discrepancySelection, this.currentUserName, notes);
    this.actionRemarks = '';
    this.discrepancySelection = 'NONE';
  }

  resolveDiscrepancy(a: LoanApplication): void {
    resolveDiscrepancyAndProceed(
      a,
      this.currentUserName,
      this.actionRemarks.trim() || 'Discrepancy resolved on further review — cleared to proceed.'
    );
    this.actionRemarks = '';
  }

  // -------------------- Share Membership --------------------
  allotMembership(a: LoanApplication): void {
    allotShareMembership(a, this.currentUserName);
  }

  // -------------------- Approvals (Credit Committee / Risk / Legal / Post-Check) --------------------
  approveStage(a: LoanApplication, field: ApprovalField, approverRole: string): void {
    decideApproval(
      a,
      field,
      'APPROVED',
      this.currentUserName,
      approverRole,
      this.actionRemarks.trim() || 'Reviewed and approved.'
    );
    this.actionRemarks = '';
  }

  rejectStage(a: LoanApplication, field: ApprovalField, approverRole: string): void {
    decideApproval(
      a,
      field,
      'REJECTED',
      this.currentUserName,
      approverRole,
      this.actionRemarks.trim() || 'Declined on review.'
    );
    this.actionRemarks = '';
  }

  exceptionApprove(a: LoanApplication): void {
    decideApproval(
      a,
      'postCheckApproval',
      'EXCEPTION_APPROVED',
      this.currentUserName,
      'Post-Disbursement Check',
      this.actionRemarks.trim() || 'Approved on exception — minor gap noted and accepted.'
    );
    this.actionRemarks = '';
  }

  legalChecklistDone(a: LoanApplication): boolean {
    return a.feesAndAccountOpened && (!a.secured || a.mortgageCreated) && a.legalStampDone && a.fileFilingDone;
  }

  committeeReportsReady(a: LoanApplication): boolean {
    return (
      a.cicReportUploaded &&
      a.backgroundCheckDone &&
      (!a.secured || a.cersaiSearchDone) &&
      a.aadhaarVerified &&
      a.panVerified &&
      a.incomeProofSubmitted &&
      this.fiComplete(a) &&
      a.managerMeetingDone
    );
  }

  riskChecklistReady(a: LoanApplication): boolean {
    return (
      a.addressVerification.status === 'VERIFIED' &&
      a.incomeProofSubmitted &&
      a.previousLoanDeclarationDone &&
      (!a.secured || (a.propertySearchReportDone && a.valuationReportConfirmed)) &&
      this.fiComplete(a) &&
      a.backgroundCheckDone
    );
  }

  postCheckSignaturesDone(a: LoanApplication): boolean {
    return (
      a.signedByAgent && a.signedByManager && a.signedByCommittee && a.signedByRiskApproval && a.signedByLegalApproval
    );
  }

  // -------------------- CIC Upload --------------------
  onCicFileSelected(event: Event, a: LoanApplication): void {
    const input = event.target as HTMLInputElement;
    const file = input.files?.[0];
    if (!file) {
      return;
    }
    uploadCicReport(a, file.name, this.currentUserName);
    input.value = '';
  }

  pushFieldInquiryNow(a: LoanApplication): void {
    pushFieldInquiry(a, 'Field Verification Team', this.currentUserName);
  }

  onAgentReportFileSelected(event: Event, a: LoanApplication): void {
    const input = event.target as HTMLInputElement;
    const file = input.files?.[0];
    if (!file) {
      return;
    }
    uploadAgentReport(a, file.name, this.currentUserName);
    input.value = '';
  }

  // -------------------- Signing / Cheque-ACH / Disbursement --------------------
  markSigned(a: LoanApplication): void {
    markCustomerSigned(a, a.applicantName);
  }

  confirmChequeAndProceed(a: LoanApplication): void {
    confirmChequeAch(a, this.currentUserName);
  }

  disburseNow(a: LoanApplication): void {
    disburseApplication(a, this.currentUserName, this.disbursementMode);
  }

  // -------------------- EMI Repayment Schedule (once disbursed) --------------------
  isRevolving(a: LoanApplication): boolean {
    return isRevolvingProduct(a.productCode);
  }

  emiAmountFor(a: LoanApplication): number {
    return calculateEmi(a.requestedAmount, a.interestRate, a.tenureMonths);
  }

  emiScheduleFor(a: LoanApplication): EmiScheduleRow[] {
    return buildEmiSchedule(a.requestedAmount, a.interestRate, a.tenureMonths, a.disbursementDate);
  }

  totalInterestFor(a: LoanApplication): number {
    return this.emiScheduleFor(a).reduce((s, r) => s + r.interestComponent, 0);
  }

  totalPayableFor(a: LoanApplication): number {
    return a.requestedAmount + this.totalInterestFor(a);
  }
}